What does fee-only mean?

Fee-only means The Capeloto & Hedrick Co is compensated solely by the fees clients pay directly. We do not earn commissions, referral fees, or any other compensation from third parties. This structure eliminates conflicts of interest and ensures our advice is always aligned with your best interests.

What is a fiduciary financial advisor?

A fiduciary financial advisor is legally and ethically obligated to act in your best interest at all times. At The Capeloto & Hedrick Co, our fiduciary duty means we put your interests first in every recommendation, every portfolio decision, and every piece of advice we provide.

What is the minimum investment to work with The Capeloto & Hedrick Co?

We work with individuals and families across a range of asset levels. Please contact us directly to discuss whether our services are a good fit for your situation.

Where is The Capeloto & Hedrick Co located?

We are based in Seattle, Washington and serve clients throughout the Puget Sound region and across Washington State. As an SEC-registered adviser, we can also serve clients in other states where we are appropriately registered.

Who custodies client assets?

All client assets are held at Charles Schwab, one of the largest and most respected custodians in the industry. We never take possession of client funds. Schwab provides independent account statements, online access, and robust security for your investments.

What services does The Capeloto & Hedrick Co offer?

We provide comprehensive financial planning, investment management, retirement planning, tax planning, estate planning coordination, divorce financial planning, employer benefits analysis, and life transition planning. Our approach is holistic, covering all aspects of your financial life.

Is The Capeloto & Hedrick Co registered with the SEC?

Yes. Foster Point Capital, LLC (doing business as The Capeloto & Hedrick Co) is registered with the Securities and Exchange Commission as an investment adviser. Our CRD number is 312356 and our registration can be verified on the SEC's Investment Adviser Public Disclosure (IAPD) website.

Frequently Asked Questions About Divorce and Money

What does a divorce financial planner do?

A divorce financial planner analyzes the long-term financial impact of settlement options — asset division, support, taxes, and retirement — so you negotiate with facts instead of guesses. Attorneys handle the law; we model what each proposed settlement actually means for your future, often finding that a "50/50" split is far from equal after taxes and liquidity.

What is a CDFA®, and how is it different from a CFP®?

A CDFA® (Certified Divorce Financial Analyst) is trained specifically in the financial mechanics of divorce — property division, support calculations, QDROs, and divorce taxation. A CFP® covers comprehensive financial planning. Betty Hedrick holds both, which means the divorce analysis connects directly to your post-divorce financial plan.

When should I bring in a financial planner during divorce?

As early as possible — ideally before filing or at the start of negotiations. Early involvement shapes what you ask for; late involvement can only react to what's already on the table. Many costly mistakes (keeping the wrong assets, ignoring tax basis) are locked in early.

Is Washington a community property state?

Yes. Washington is one of nine community property states, so most assets and debts acquired during the marriage are presumed jointly owned and subject to equitable division. What counts as separate versus community property — and how tax basis travels with each asset — is where analysis matters most.

Should I keep the house in a divorce?

Often no — but it depends on what you give up to keep it. The house is illiquid, costly to carry, and its equity may come at the expense of retirement assets that grow tax-deferred. We model "keep vs. sell" side by side over 10–20 years so the decision is financial, not just emotional.

How are retirement accounts divided?

Through specific legal instruments — typically a QDRO for 401(k)s and pensions — and mistakes are expensive and sometimes irreversible. IRAs, 401(k)s, pensions, and RSUs each divide differently and carry different tax treatment. This is the single most error-prone area of divorce finance.

What does working with you look like?

We work alongside your attorney — analyzing settlement proposals, modeling long-term outcomes, and preparing you for a confident financial life after divorce. Many clients stay on after the divorce as full financial planning clients; that transition is seamless because the plan already exists.