Our Story
We started Ludgate Capital to build the kind of advisory firm that we would want for our own family.
Too often, financial advice is fragmented, product-driven, or overly complicated. Clients are sold investments instead of being guided through the bigger picture of their financial lives.
Ludgate Capital was built on a different model - one centered on alignment, simplicity, and long-term thinking. We provide fully integrated portfolio management and financial planning under a transparent Assets Under Management (AUM) model.
We work with a select number of families and professionals who:
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Want clarity, structure, and discipline around their financial life
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Prefer a long-term advisory relationship over transactional advice
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Have $500k+ in investible assets
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Earn $150k+ annually
Who We Work With
Our Philosophy
We believe successful investing is not about chasing returns or reacting to short-term noise.
It's about:
Evidence-Based Portfolio Construction
Broad Diversification
Long-Term Orientation
Tax Awareness
Risk Management Through Discipline, Not Prediction
Our role is to help you stay focused, avoid costly mistakes, and make better long-term decisions.
Ludgate Capital Leadership
Michael Ludgate, Founder & Managing Partner
Michael Ludgate is the Founder & Managing Partner at Ludgate Capital LLC. Michael is responsible for overseeing the firm's investment strategy, client relationships, and overall direction of the business. He works closely with a select group of families and professionals to provide clear, disciplined guidance across their entire financial life - helping them build, manage, and preserve wealth over the long term.
Prior to founding Ludgate Capital, Michael built his career in insurance, banking, and sales leadership within the technology and cybersecurity sectors, where he advised organizations on risk management and long-term strategic planning. He brings that same structured, analytical approach to wealth management, with a focus on simplicity, transparency, and consistent execution.
Michael founded Ludgate Capital to create a more personalized, high-touch advisory service - one centered on alignment, trust, and long-term partnership rather than transactional advice.
