When it comes to financial planning, most people expect to juggle multiple professionals: an advisor for investments, a CPA for taxes, an attorney for estate planning, and an insurance broker for protection. This fragmentation has long been the norm. Greater Pacific Northwest residents now have access to a model that is transforming how comprehensive wealth management is delivered, thanks to a professional alliance spearheaded by Heritage Wealth Advisors (formerly AGP Wealth Advisors) of Renton, Washington and Bend’s Capstone Accounting and Tax.
These companies call their approach to clients Coordinated Financial Care; it puts clients at the center of a seamlessly integrated strategy. Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, LLC, and Capstone, one of the Northwest’s largest CPA firms, work hand-in-hand with estate planning attorneys and insurance specialists to create a unified approach on behalf of each client.
“This world is often very fragmented,” said Matthew Swank, business development director and managing partner at Heritage Wealth Advisors. “As you work with wealth advisors, CPAs, estate attorneys, and insurance folks, it’s spread across the city or beyond. One of the biggest challenges is collaborating effectively on a client’s behalf. What we’ve done is bring all these services together in one strategic alliance.”
From Fragmentation to Coordination
The model evolved organically. Swank, whose career began in the medical device industry, was recruited into wealth management more than a decade ago by AGP’s CEO, Randy Linde who recently merged his practice into Heritage Wealth Advisors making it one of the largest wealth advisory practices within Ameriprise. His mission quickly became clear: build partnerships across disciplines to better serve clients. That vision took shape when Heritage (formerly AGP Wealth Advisors) formed a professional alliance with Capstone Accounting and Tax (formerly Capstone CPAs) of Bend in 2019.
Swank remembers their first meeting well, laughing at how a college lacrosse rivalry broke the ice with Capstone founder and managing partner Lance Brant. (Both men’s sons played for the University of Montana and College of Idaho at the same time and frequently battled on the field.)
The deeper business connection was philosophical. “We knew that this was a chance for us to be different from our competitors,” Swank recalled. “If I hadn’t found Lance and Greg Lankston (Capstone partner), and those guys didn’t have the same vision we had, none of us would be where we are today.”
Together, AGP and Capstone coined and implemented Coordinated Financial Care as a model designed to align tax, legal, insurance and investment strategies in one orchestrated approach.
What Clients Can Expect
The alliance begins with a comprehensive assessment of a client’s goals, risks, and opportunities. From there, a customized financial plan is built and continuously refined through ongoing collaboration between professionals.
Heritage Wealth Advisors provides the investment strategy, behavioral financial guidance, and retirement planning experience. Capstone contributes deep tax strategy and accounting capabilities. eLegacy, a dedicated estate planning law firm, ensures that clients’ legacy and family governance needs are addressed.
This cross-disciplinary structure ensures that clients don’t get stuck in the middle, shuttling information between professionals. Instead, their advisors sit at the same table, literally or virtually, to coordinate solutions.
As Swank explained: “We call this coordinated financial care. Ninety-five percent of the industry does not do this. That’s what sets us apart from everybody else.”
Serving Every Stage of Wealth
While the coordinated financial care model scales most dramatically for households with $2.5 million or more in investable assets, Swank emphasized that its foundation is universal: financial planning.
“There’s not a minimum (amount of investable wealth required),” he said. “One of the requirements is that you do financial planning, because that’s where it all starts. The foundation of what we build over time really begins with understanding your tax situation, your estate, and your protection needs.”
For higher-net-worth families, the alliance incorporates specialized services like legacy planning and multi-generational education. “Legacy planning is huge,” Swank added. “We make sure families understand how hard mom and dad, or grandma and grandpa, worked for that money. Our job is to preserve those assets and create the perpetuity the family deserves.”
Insurance also plays a pivotal role. Many clients assume they are covered through employer policies, but as Swank noted, the fine print often tells a different story.
“I thought I had disability insurance, but it was only covering my salary, not my commissions,” he recalled from his earlier career in medical device sales. “That’s the disconnect so many people have. Our insurance specialist digs into those details to make sure your family and business are truly protected.”
An Alliance with Clients at the Forefront
It is important to note that Heritage Wealth Advisors and Capstone maintain their independence. Their relationship is classified as a professional alliance. Both bring unique strengths: Heritage Wealth Advisors’ recognition on national wealth management rankings and Capstone’s two decades of tax expertise with a combined 200 years of professional experience.
The shared client experience is intentionally seamless. “We’re creating brand standards,” Swank said. “It’s like walking into Starbucks; you know what you’re getting. Whether you’re in a Heritage Wealth Advisors office or a Capstone office, you know there will be a team working hard for you, pulling in the best resources, and creating the best strategies.”
As financial lives become increasingly complex, the alliance between Heritage Wealth Advisors and Capstone represents a significant evolution in the professional services landscape. Clients benefit from coordinated specialization, seamless collaboration, and a strategy designed to last across generations.
Or as Swank summarized: “Coordinated financial care allows an amazing experience for the clients, as opposed to them chasing down service providers and trying to make sure everyone’s communicating. We do that in one place via our coordinated model.”
For families and businesses seeking clarity and confidence in their financial future, that may be the most valuable service of all.
Coordinated Financial Care is a brand name used by Heritage Wealth Advisors, Capstone CPAs, and eLegacy and is not a separate legal entity. eLegacy provides estate planning services, Capstone CPAs provides accounting services and Heritage Wealth Advisors provides securities and advisory services. These entities have a professional alliance but are separate entities and not affiliated with each other.
Capstone CPAs and eLegacy have alliance with Heritage Wealth Advisors, a private wealth advisory practice of Ameriprise Financial Services, LLC (“AFS”) and refer potential clients who may benefit from Ameriprise Financial’s services. These entities receive payment for referrals, which presents a conflict of interest. Heritage Wealth Advisors offers products and services that are appropriate for clients’ individual circumstances and objectives.
AFS, its affiliates and Heritage Wealth Advisors are separate entities and are not affiliated with Capstone CPAs and eLegacy. However, Randall Linde, the Chief Executive Officer of Heritage Wealth Advisors, has an ownership interest in eLegacy.
AFS, its affiliates and Heritage Wealth Advisors are separate entities and are not affiliated with Capstone CPAs.
AFS, its affiliates, employees and Heritage Wealth Advisors, do not provide tax or legal advice.
AFS and Heritage Wealth Advisors make no guarantee as to future results or that an individual’s investment objectives will be achieved. Client experiences may vary.
Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.
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