Real planning needs judgment, not just projections
HOW WE WORK
When you work with Cabildo Capital, you work with the Founder and Chief Investment Officer, Michael Sonza. Not a team you've never met. Not a junior advisor who escalates your questions.
Michael manages your portfolio, answers your calls, and thinks carefully about what comes next - personally, every time.
Personalized Wealth Guidance for Life’s Big Moments
HOW WE WORK
We work with a limited number of clients precisely because each relationship demands real attention. Significant financial moments — a business sale, an inheritance, a career change — call for judgment built over time, not standardized advice delivered at scale.
Fee-Only
Financial Planning
Fiduciary
Legal Standard
Washington, DC
Metro Area
What We Address
We don't hand work off to a team you've never met. Every area below is something Michael thinks through with you directly — coordinated, not siloed.
Portfolio Construction
Disciplined portfolio construction aligned with your risk tolerance, time horizon, and long-term financial objectives.
Income Planning
Sustainable income structures across career transitions and into and through retirement.
Estate & Tax Strategies
Investment decisions made in full view of your tax situation and estate plan, not in isolation from it.
Generational Wealth
Family governance, trust structures, and legacy planning that endures beyond the first generation.
Capital Preservation
Tax-sensitive strategies to protect what you've built in volatile or uncertain markets.
Liquidity Events
Thoughtful deployment of capital after a business sale, IPO, or inheritance - without haste.
Most Clients Come to Us
at an Inflection Point
These moments call for clear thinking, not urgency.
We take the time to understand your full picture, before making any recommendations.
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After a business sale or liquidity event
Capital that needs a deliberate home, not a rushed allocation.
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Upon receiving an inheritance
Wealth that arrives with responsibility, not just opportunity.
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Following a senior career transition
Income structure and priorities that need to be rebuilt from scratch.
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After years with a large advisory firm
Attention and judgment you've been paying for but not receiving.
If this sounds like your circumstance,
we welcome the inquiry.
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MAY 2026 · 8 MIN READ
Navigating Uncertainty for Investors
Patient investors outperform those swayed by short-term headlines.....
Read article →
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MAR 2026 · 5 MIN READ
The Conversation Your Family Needs to Have About Wealth
Legacy planning extends far beyond documents. Families who discuss values, expectations, and intentions preserve both wealth and relationships across generations.
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MAR 2026 · 5 MIN READ
Securing Income for Decades: A Framework for Retirement
Sustainable income in retirement requires more than savings targets. We explore distribution strategies that protect purchasing power over a 30-year horizon.
