CAPA Financial

CAPA Financial Financial security begins with understanding. At CAPA Financial, education is the foundation of every client relationship. Conduct research and prevent fraud.

You deserve to know how your money works, what risks you face, and how your strategy impacts your future.� We prioritize your privacy and are dedicated to protecting the information you share with us. This document outlines how we handle the Personal Information collected through our website, applications, and services (referred to collectively as "Services"). It does not extend to the content pro

cessed on behalf of our API customers, which is covered by separate agreements.




1. Collection of Personal Information
We gather Personal Information about you in the following ways: Directly from You: When you create an account, use our Services, or communicate with us, we collect: Account Information: Your name, contact details, account credentials, payment information, and transaction history. Content: Personal Information in your inputs, uploads, or feedback to our Services. Communication Information: If you contact us, we collect your name, contact details, and message contents. Social Media Information: Interacting with our social media accounts may result in us collecting your contact details. The social media platforms may also provide us with aggregated user interaction data. Automatically Collected Information: As you navigate and interact with our Services, we collect:


Technical Information: Browser/device data, IP addresses, usage patterns, and cookies to enhance your experience and improve our Services.


2. Use of Personal Information
We use your Personal Information to:


Deliver and improve our Services. Communicate with you about updates and offerings. Comply with legal obligations and protect our rights.


3. Disclosure of Personal Information
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted.


4. Your Rights
Depending on location, individuals may have certain statutory rights in relation to their Personal Information. For example, you may have the right to:


Access your Personal Information and information relating to how it is processed. Delete your Personal Information from our records. Rectify or update your Personal Information. Transfer your Personal Information to a third party (right to data portability).Restrict how we process your Personal Information. Withdraw your consent—where we rely on consent as the legal basis for processing at any time. Object to how we process your Personal Information. You can exercise these rights by contacting us at CAPA Financial


5. Children’s Privacy
Our Services do not target children under 13. We do not knowingly collect information from children under this age. We will investigate any notification and if appropriate, delete the Personal Information from our systems. If you are 13 or older, but under 18, you must have permission from your parent or guardian to use our Services.


6. Third-Party Websites
Our Service may link to external sites not governed by this Privacy Policy. We recommend reviewing their privacy policies independently.


7. Security and Retention
We employ measures to protect your Personal Information but cannot guarantee absolute security. We retain your data as necessary for service provision and compliance with legal obligations.


8. International Users
Your Personal Information may be processed and stored in the United States and other jurisdictions, under the legal bases outlined for our international operations.


9. Policy Updates
We may periodically update this Privacy Policy. Changes will be posted on our website, along with the effective date.


10. Contact Us
For any questions or concerns regarding this policy, please reach out to our support team at [email protected]


Consent to Communication
Scope of Consent: By submitting your personal information on our website, including your name, telephone number, and email address, you agree that CAPA Financial, its subsidiaries, affiliates, and our trusted third-party partners may contact you by various communication methods, including but not limited to emails, phone calls, text messages, and postal mail. This communication may be aimed at informing you about new products, services, promotions, and offers that you might find valuable. Automated Calls and Messages: You acknowledge that consent includes receiving autodialed and prerecorded messages or calls delivered via automated technology, to the phone number you provided. We will obtain separate, express consent for telemarketing calls as required by law. Third-Party Communication: You agree that we may share your personal information with trusted third parties for them to contact you with relevant offers and services. However, your information will be shared in accordance with our Privacy Policy and applicable laws concerning data protection and privacy. Voluntary Nature of Consent: Providing your consent is completely voluntary, and you may withdraw your consent at any time. To withdraw your consent, please follow the opt-out instructions provided in our communications or contact our customer service. Data Protection and Privacy
Use of Information: We use the information you provide to tailor our communication with you, improving your experience with our products and services. We also use your information for internal analytics, market research, and compliance with legal obligations. Sharing and Disclosure: We do not sell your personal data. We only share your data with trusted third parties who adhere to our data protection standards or when required by law. Our third-party partners are obligated to protect your information and are prohibited from using your data for purposes other than those specified by CAPA Financial

Data Security: We are committed to keeping your personal data secure. We implement appropriate technical and organizational measures to protect against unauthorized or unlawful processing and against accidental loss, destruction, or damage. Rights of Individuals: You have rights regarding your personal data, including the right to access, correct, delete, or restrict the processing of your data. You also have the right to object to processing and the right to data portability. To exercise these rights, please contact us.

Most financial plans aren't built to fail — they're just built around outdated assumptions. Market risk. Compounding fee...
08/31/2026

Most financial plans aren't built to fail — they're just built around outdated assumptions. Market risk. Compounding fees. Taxes that quietly grow larger the longer you wait to deal with them.

At CAPA Financial, we do things differently.

We're an independent financial strategy firm helping high-income professionals, business owners, and families move from tax-deferred uncertainty to tax-free financial security — using the same legal strategies wealthy families have relied on for decades.

Everything we do is built around our ERFT philosophy: Eliminate Risk, Fees, and Taxes.

Instead of starting with products, we start with your actual financial picture — identifying the inefficiencies, blind spots, and gaps most traditional plans overlook. Then we build a strategy designed to:

Grow your wealth tax-free. Protect your savings from market volatility (with a guaranteed floor of zero loss). Eliminate the hidden fees quietly eating into your retirement. Create tax-free income you can't outlive

Who we work with: W-2 earners and high-income professionals tired of overpaying the IRS - Business owners looking for smarter entity, compensation, and succession strategies - Pre-retirees who want retirement income they can't outlive - Families who've outgrown generic, one-size-fits-all financial planning

For business owners specifically, we go even further - building strategies around business tax reduction, executive and key-employee benefit plans, and funded succession/exit planning. Because a business without a funded transition plan is a liability, not an asset, and over 70% of owners don't have one.

Led by founder Josh Kaburick, CAPA Financial was built on a simple belief: financial planning shouldn't be about selling products — it should be about building systems that actually work for you, not against you. After more than a decade in the insurance and transportation industries, Josh saw firsthand how many hardworking people were following "traditional" advice while still exposed to unnecessary risk, rising taxes, and fees they didn't even know they were paying.

That's the gap CAPA Financial was built to close.

If you've ever looked at your 401(k), IRA, or investment statements and wondered how much of that money will actually be yours after taxes, fees, and market losses — that question is exactly where we start.

Ready to see where you stand? Book a free Discovery Call, and let's map out where your current plan may be leaking money and how a more structured, tax-efficient approach could change your financial future.

Learn more by calling (314) 329-1399 or bybooking your call using the following link:

https://capafinancial.com/opt-in

Are your life insurance beneficiaries going to receive proceeds tax-free? Not in every case. Call us today @ (314) 329-1...
07/07/2026

Are your life insurance beneficiaries going to receive proceeds tax-free? Not in every case. Call us today @ (314) 329-1399 for a free policy review, and we'll explain to you why or why not.

07/04/2026
Our office will be closed on July 3rd - 5th to celebrate Independence Day. We will be back on July 6th at 9:00 am. Have ...
07/02/2026

Our office will be closed on July 3rd - 5th to celebrate Independence Day. We will be back on July 6th at 9:00 am. Have a great holiday weekend!

AAdvantage Insurance Group is now CAPA Financial. We offer a wide variety of Tax Mitigation strategies for your unique r...
07/01/2026

AAdvantage Insurance Group is now CAPA Financial. We offer a wide variety of Tax Mitigation strategies for your unique retirement options and solutions. Call us today at (314) 329-1399.

We are excited to announce that we have found a new home! Our new address is 530 Maryville Centre Dr, Suite 410, St. Lou...
07/01/2026

We are excited to announce that we have found a new home! Our new address is 530 Maryville Centre Dr, Suite 410, St. Louis, MO 63141.

Call (314) 329-1399
Text (618) 692-4440
Fax (618) 692-4447

Are you both covered with a life   policy?Call us today at (314) 329-1399, and we can review your current coverages and,...
06/29/2026

Are you both covered with a life policy?

Call us today at (314) 329-1399, and we can review your current coverages and, if needed, design a plan that best fits your unique situation.

Today, we recognize Juneteenth - a day that marks freedom, resilience, and the continued pursuit of equality.June 19th i...
06/19/2026

Today, we recognize Juneteenth - a day that marks freedom, resilience, and the continued pursuit of equality.

June 19th is not only a celebration of emancipation, but also a reminder of the importance of reflection, progress, and unity. As we honor this historic day, we stand in support of freedom, opportunity, and respect for all.

Happy Juneteenth. Our office will be closed in honor of this historic day.

All gave some. Some gave all. In honor of the sacrifices made by the brave men and women in our armed forces, our office...
05/22/2026

All gave some. Some gave all.

In honor of the sacrifices made by the brave men and women in our armed forces, our office will close at noon today and reopen on 5/26 at 9am.

Address

530 Maryville Centre Drive, Suite 410
St. Louis, MO
63141

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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