Today we’d like to introduce you to Roxanne Theodoropoulos.
Alright, so thank you so much for sharing your story and insight with our readers. To kick things off, can you tell us a bit about how you got started?
I was raised in West Texas in a migrant family, and every summer we worked twelve-hour days, six days a week, in the cotton fields. My family was loving and supportive, but money was always tight. Those early years shaped me. I knew I never wanted to work that hard again without having something bigger to show for it. That conviction pushed me toward education and discipline.
I dedicated myself to school, graduated from Texas Tech University, and built a strong career in financial planning. For a long time, I never imagined becoming a business owner. The fear of financial scarcity ran deep, and taking that kind of risk felt impossible. But life shifted. Between COVID, family illness, and difficult professional experiences, I was forced to make a decision about my future.
I had tried partnering with others, and what I found—too often—was a lack of integrity. That became the breaking point. It was clear that God was pushing me to step into the calling He had placed on my life. I finally realized I was worthy, I was knowledgeable, and I was an expert in my field. That clarity gave me the courage to go fully independent.
With my daughter, Alexis Villarreal, and my husband, George Theodoropoulos, we launched CapstoneWealth in one of the most competitive markets in the United States: Central Florida. We built it from the ground up, with faith, honesty, and a commitment to serving retirees with excellence.
We have since surpassed goals we once only dreamed of. We have helped families restructure their financial lives, make confident decisions, and step into retirement with peace of mind. Many of our clients were powerful decision-makers in their earlier years, and today we serve as their “CFO,” helping them navigate a new season that sometimes requires a little more guidance.
Every day, I wake up grateful for the life I get to live, the purpose God has given me, and the clients who trust us. Florida has been a blessing to our family, and CapstoneWealth has become far more than a business—it’s a mission.
I am honored to share my story and hope it inspires others who come from humble beginnings to trust that discipline, faith, and courage truly can change the course of a life.
Would you say it’s been a smooth road, and if not what are some of the biggest challenges you’ve faced along the way?
There were seasons in my life when everything fell apart. At one point, my daughter and I were living in a homeless shelter, unsure of what our future would look like. I fought my way out of that chapter and worked my way up to opportunities I never imagined — including working alongside four-star generals in Washington, D.C. to CEO of CapstoneWealth.
But life tested me again. I faced serious health challenges that completely wiped out everything I had built. After years of sacrifice and climbing my way to a stable life, I suddenly had to start over from scratch. The setback was devastating, and the road back felt impossible. But I did it. I rebuilt. And every part of that journey made me stronger, more grounded, and more determined to help others overcome their own challenges.
Alright, so let’s switch gears a bit and talk business. What should we know?
CapstoneWealth is a financial planning firm built for retirees who want clarity, confidence, and a trusted partner to help them live richly in the years ahead. We operate as the “CFO” for our clients-people who spent their lives working hard, building careers, raising families, and making sacrifices. When they reach retirement, they deserve more than basic investment advice; they deserve strategy, precision, and a team that truly knows what they’re doing.
We specialize exclusively in retirement planning, including:
• Income planning
• Tax and Roth conversion strategies
• Investment management
• Estate and legacy planning
• Social Security and pension optimization
• Risk management and long-term care solutions
Every plan is customized. Every recommendation is strategic. We don’t use cookie-cutter models or generic portfolios — everything is engineered to give clients the highest probability of long-term success with the lowest amount of stress.
CapstoneWealth is known for three core things:
1. Straightforward, no-nonsense advice — We tell the truth. No fluff. No confusion.
2. Advanced planning expertise — Structured notes, tax optimization, estate planning, trust design, and everything retirees actually need.
3. A deeply personal client experience — Our clients become family. We know their kids, their goals, and their fears. They trust us because we show up for them.
What Sets Us Apart
Most firms focus on accumulation. We specialize in distribution, which is an entirely different skill set. It’s one thing to grow money; it’s another to protect it, structure it, and turn it into income that lasts for decades while minimizing taxes and maximizing enjoyment.
We are also one of the only independent firms in Central Florida that blends high-level financial planning with in-house estate planning, tax strategy, and behavioral coaching — all delivered through a modern, high-touch, luxury service model called The Capstone Experience™.
What We Are Most Proud Of
Brand-wise, I’m most proud that CapstoneWealth stands for integrity, expertise, and heart. We built this firm to serve, not to sell. We created an atmosphere where retirees feel respected, heard, and supported — not overwhelmed or talked down to.
Our clients tell us all the time:
“I finally feel like someone is watching out for me.”
That is the highest compliment we can receive.
What I Want Readers to Know
CapstoneWealth is more than a financial firm — it’s a mission. We help retirees stop living in fear, stop hoarding their savings, and finally enjoy the life they worked so hard to create. From the first meeting to the last handshake, our goal is simple:
Help you live rich, not die rich.
If you are nearing retirement, already retired, or simply want a second opinion from true experts, our team is here to guide you every step of the way.
We love surprises, fun facts and unexpected stories. Is there something you can share that might surprise us?
I am a wannabe TikTok star😂
Contact Info:
- Website: https://MyCapstoneWealth.com
- Instagram: https://www.instagram.com/mycapstonewealth
- Facebook: https://www.facebook.com/share/1CkaNtTYPd/
Image Credits
AVY and Maven film and photo
