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RIA comparison · SEC Form ADV

Aptus Capital Advisors, LLC vs Coldstream Wealth Management

Two independent wealth managers side by side: assets, clients, staff, services and fees, from each firm’s own filing.

The short answer

Aptus Capital Advisors, LLC is the larger of the two, with $14B in regulatory assets to $14B at Coldstream Wealth Management, 2% more than its rival, by their latest Form ADV filings. Aptus Capital Advisors, LLC reports more individual clients (12,693 vs 4,199), while Coldstream Wealth Management’s clients hold more on average (about $2.9 million each against $840,000). Aptus Capital Advisors, LLC is based in Fairhope, Alabama and Coldstream Wealth Management in Bellevue, Washington.

FigureAptus Capital Advisors, LLCColdstream Wealth Management
Regulatory AUM$14B$14B
National rank#66#68
HeadquartersFairhope, AlabamaBellevue, Washington
Individual clients12,6934,199
High-net-worth clients2,3582,393
Average client assets$840,000$2.9 million
Accounts12,7074,386
Discretionary90% of AUM98% of AUM
Employees40207
Advisory staff26166
Clients per advisory employee48825
Offices1810
Form ADV filed2026-09-242026-08-19

Aptus Capital Advisors, LLC

Full profile →

Services

  • Financial planning
  • Portfolio management for individuals and small businesses
  • Portfolio management for investment companies
  • Other services

How it’s paid

  • A percentage of assets under management
  • Fixed fees

Coldstream Wealth Management

Full profile →

Services

  • Financial planning
  • Portfolio management for individuals and small businesses
  • Portfolio management for pooled investment vehicles
  • Portfolio management for businesses and institutions
  • Pension consulting
  • Selecting other advisers
  • Educational seminars and workshops

How it’s paid

  • A percentage of assets under management
  • Hourly charges
  • Fixed fees
  • Performance-based fees
  • Other

Questions

Which is bigger, Aptus Capital Advisors, LLC or Coldstream Wealth Management?

Aptus Capital Advisors, LLC, with $14B in regulatory assets under management against $14B at Coldstream Wealth Management. Nationally they rank #66 and #68 among 5,657 independent wealth management RIAs.

How many clients do Aptus Capital Advisors, LLC and Coldstream Wealth Management have?

Aptus Capital Advisors, LLC reports 12,693 individual clients (2,358 high-net-worth) with 26 advisory employees; Coldstream Wealth Management reports 4,199 (2,393 high-net-worth) with 166 advisory employees.

How do Aptus Capital Advisors, LLC and Coldstream Wealth Management charge clients?

Only Coldstream Wealth Management lists hourly charges; performance-based fees; other forms of compensation on Form ADV. Fee schedules and minimums are in each firm’s Form ADV Part 2A brochure.

What services do Aptus Capital Advisors, LLC and Coldstream Wealth Management offer?

Aptus Capital Advisors, LLC lists portfolio management for investment companies; other services, which Coldstream Wealth Management does not. Coldstream Wealth Management lists portfolio management for pooled investment vehicles; portfolio management for businesses and institutions; pension consulting; selecting other advisers; educational seminars and workshops, which Aptus Capital Advisors, LLC does not. Both offer financial planning; portfolio management for individuals and small businesses.

More comparisons

Where these numbers come from

Every figure is the firm’s own answer on its latest Form ADV, from the SEC’s registered-adviser list as of October 1, 2026: regulatory assets and accounts (Item 5.F), clients by type (5.D), employees (5.A and 5.B), compensation (5.E) and services (5.G). Average client assets divide the assets held for individual and high-net-worth clients by their number. Ranks compare each firm with all US-based independent wealth management RIAs, the same field as The Largest RIAs. Figures can lag recent deals and market moves.

Not an endorsement or a recommendation of either firm. Before hiring an adviser, read its Form ADV Part 2A brochure and check its record on the SEC’s adviser search: Aptus Capital Advisors, LLC ↗, Coldstream Wealth Management ↗. How to check a financial advisor →