# Bonnie Smallwood

> Bonnie Smallwood is a fee-only financial advisor at Tone Capital in Richmond, Virginia. Tone Capital reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/bonnie-smallwood/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Tone Capital
- **Based in:** Richmond, Virginia
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $118.3M across 320 accounts
- **CRD:** 1899290 (https://adviserinfo.sec.gov/individual/summary/1899290)
- **SEC registration:** Investment adviser representative in VA
- **Exams passed:** Series 63 (1989), Series 65 (2018)
- **Firm size:** 4 employees
- **Disclosures:** None reported
- **Website:** https://www.tonecapital.com

## Frequently asked questions

### Is Bonnie Smallwood a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Bonnie holds no broker registration, and Tone Capital reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Bonnie charge for financial advice?

Bonnie's firm, Tone Capital, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is Bonnie Smallwood based?

Bonnie Smallwood is based in Richmond, Virginia.

### Is Bonnie Smallwood registered with the SEC?

Yes. Bonnie Smallwood is registered as an investment adviser representative in VA (CRD 1899290), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Tone Capital manage?

Tone Capital reports $118.3M across 320 accounts in assets under management.

### How do I contact Bonnie Smallwood?

Through Bonnie's website, www.tonecapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/1899290): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.