How We Work With You

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American Capital Planning, LLC

FEE-ONLY - Fee-only means we limit conflicts of interest.  If we were to be paid by selling you products (insurance, annuities, loaded mutual funds, etc.) don’t you think you’d walk out of our offices with those so we could eat?  Being paid only by the client for honest advice means we can speak objectively for your highest benefit.  We do not accept commissions or compensation from any source except clients.

FLAT FEE - Flat Fee means we charge based on the complexity and scope of work involved with working on your behalf.  If we charged a percentage of assets and we both agreed it was best for you to pay off your home, but doing so meant the firm would take in less income as your portfolio was reduced to pay off your home, shouldn’t you wonder if our advice is colored by that outcome?  We charge flat fees because after 25 years working with clients we know how much work is involved and your flat fee will only be raised over time when additions to your plan or accounts increase complexity, or our business costs rise materially.

FIDUCIARY - Fiduciary means we put your interests first.  Period.


The Story of American Capital Planning, LLC

There is no marquee advisor as the firm name because the founder, Bonnie Ashby Sewell, believes good advice should be delivered at the firm level from everyone connected to ACP.  Bonnie grew up in Clarendon Hills, Illinois and was the third generation of her family to attend Hinsdale schools.  Growing up in a wealthy area, her mom struggled to single handedly raise her and her two siblings.  Bonnie learned a work ethic early and the value of a dollar no matter how many you have.  As a young mom herself, Bonnie pursued business interests including a tax practice, eventually pursuing the Certified Financial Planner™ certificate and a master’s degree in financial planning.  After working for other accomplished planners, she opened her first practice in Georgia in 2001 and sold it in 2008.  After a short stint in another firm, she opened American Capital Planning in historic Leesburg, VA in 2009 with the determination to serve clients at the highest level and as an important personal distinction, include working with families going through difficult transitions such as divorce, which Bonnie has been through as well.  We are successfully serving clients around the country at a concierge level while making a difference.

Things which matter most, can never be at the mercy of things which matter least.
– Johann Wolfgang Von Goethe