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Est. 2026The front page of wealth managementNew York

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RIA comparison · SEC Form ADV

Coldstream Wealth Management vs Sapient Capital LLC

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

The short answer

Coldstream Wealth Management is the larger of the two, with $14B in regulatory assets to $14B at Sapient Capital LLC, 1% more than its rival, by their latest Form ADV filings. Coldstream Wealth Management reports more individual clients (4,199 vs 980), while Sapient Capital LLC’s clients hold more on average (about $12 million each against $2.9 million). Coldstream Wealth Management is based in Bellevue, Washington and Sapient Capital LLC in Indianapolis, Indiana.

FigureColdstream Wealth ManagementSapient Capital LLC
Regulatory AUM$14B$14B
National rank#68#69
HeadquartersBellevue, WashingtonIndianapolis, Indiana
Individual clients4,199980
High-net-worth clients2,393691
Average client assets$2.9 million$12 million
Accounts4,3866,681
Discretionary98% of AUM81% of AUM
Employees20759
Advisory staff16630
Clients per advisory employee2533
Offices105
Form ADV filed2026-08-192026-08-31

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

Sapient Capital LLC

Full profile →

Services

  • Financial planning
  • Portfolio management for individuals and small businesses
  • Selecting other advisers
  • Other services

How it’s paid

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

Questions

Which is bigger, Coldstream Wealth Management or Sapient Capital LLC?

Coldstream Wealth Management, with $14B in regulatory assets under management against $14B at Sapient Capital LLC. Nationally they rank #68 and #69 among 5,657 independent wealth management RIAs.

How many clients do Coldstream Wealth Management and Sapient Capital LLC have?

Coldstream Wealth Management reports 4,199 individual clients (2,393 high-net-worth) with 166 advisory employees; Sapient Capital LLC reports 980 (691 high-net-worth) with 30 advisory employees.

How do Coldstream Wealth Management and Sapient Capital LLC charge clients?

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

What services do Coldstream Wealth Management and Sapient Capital LLC offer?

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

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: Coldstream Wealth Management ↗, Sapient Capital LLC ↗. How to check a financial advisor →