Your Happiness In Retirement Starts With The Right Plan

Our advisors find customized solutions
for your purpose-driven life.

Your Happiness In Retirement Starts With The Right Plan

Our advisors find customized solutions for your purpose-driven life.

As Featured In

Personalized Wealth Management Guidance for Every Stage of Life

We work with individuals and families who want a clear strategy for building, protecting, and enjoying their wealth. From professionals growing their portfolios to those approaching retirement, and families planning for the next generation, we develop thoughtful financial plans and disciplined investment strategies designed to support long-term goals.

We commonly serve:

Professionals & Executives
Business Owners & Entrepreneurs
Retirees & Pre-Retirees
Multi-Generational Families
Young Individuals & Growing Families

Our Services

Wealth Management

Customized, income-focused portfolio strategies built with your goals and timeline in mind

Solutions designed to help support a happy retirement by focusing on sustainable income and long-term financial security

A coordinated process connecting your goals, assets, and decisions

Year-round approach focused on improving tax efficiency over time

Guidance to help align asset transfer strategies with your wishes, across generations

Independent evaluation of coverage options from an advisor who does not sell products

Thoughtful strategies designed to support what you care about while focusing on enhancing tax efficiency

Collaborate with elder care consultants to provide senior living options and support for family decision-making

Planning strategies that connect business success to long-term personal financial goals

Our services work together to create a coordinated strategy designed to grow, protect, and support your wealth over time.

Why Work With Us?

Your Happiness is the Center of Planning

Professional Experienced Team

Customized Portfolios for Your Family's Needs

Fully Integrated, Simplified Approach

Ready to Start the
Conversation?

Helping Families Retire Happy Since 1996

team members across 5 locations

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years in
business

assets under
management

$ 0 B

families
served

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as of June 4th 2026

Atlanta’s 25 Largest Money Managers

per Atlanta Business Chronicle September 2025

Atlanta’s 25 Largest Financial Planning and Advisory Firms

per Atlanta Business Chronicle September 2025

Top 10 Financial Advisor Firms in Atlanta

per SmartAsset June 2025

CIA thanks these publications for the accolade. No compensation was paid to be considered for these awards.
Please click on each ranking for important details regarding how the firm was selected and/or ranked.

With the help of Wes Moss' books, Unlock the Secrets of a Happy Retirement!

New book from Wes Moss

Pre-order The Retire Sooner Method

In his new book, Wes Moss gives you a research-backed framework for thinking through your retirement timeline, income strategy, and life after work.

Releases in

Available September 1, 2026

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Pre-order the book today

Available now at Amazon, Barnes & Noble, and wherever books are sold.
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Claim your exclusive bonus

Visit retiresoonermethod.com with your pre-order receipt to unlock the bonus package.

Wes Moss

Chief Investment Strategist

Tools to Help Plan Your Happy Retirement

EBook

Roth Conversions: a smart tax move, or an expensive mistake?

A clear, no-pressure guide to deciding whether converting pre-tax retirement savings to a Roth may fit your situation.

101 Trips To Take In Retirement Happy Retirement Planner Core Pursuit Finder Podcasts Money & Happiness - Quiz Wes Moss Books

Hear From Our Happy Retirees

Client Spotlight

Adventure After Retirement: Hiking the Tour du Mont Blanc

Some retirement dreams take shape over decades. For one of our clients, David Scott, his lifelong love of backpacking led to a 100-mile trek through the Alps and an unforgettable journey around Western Europe’s highest mountain: Mont Blanc.

Client Spotlight

They Almost Didn’t Retire, Now They’re Exploring Scotland

Charles and Dawn Norfolk were originally hesitant to retire, but because they had the means and the desire, Jason Gove, one of our Phoenix team members, encouraged them to make the leap. One of their customers purchased their business, providing a clear path to step away. They stayed on for four years to help ease the transition, then moved from Texas to Tennessee.

Client Spotlight

From Fords to Ferraris- Frank Harms’ Guide to Driving Your Retirement Dreams

With each opportunity to spotlight a client's achievements, we inevitably learn something valuable. The hope is to spread that knowledge and joy to inspire others in their own retirement journeys. Today, the spotlight shines upon Frank Harms and his love for cars.

Client Spotlight

A Nordic Journey with Bonnie & Joe

Of course, some people go to work every day without ever feeling inspired by the families they serve. To us, that’s almost unimaginable, and clients like Bonnie and Joe make that inspiration abundantly clear. Joe retired from AT&T Bell Labs in 2007 after 35 years of dedicated service. Bonnie joined him two years later after being SE division manager for Cigna—presiding over the call center, case management, and physical building operations. And not for nothing, but she was also a crackerjack tennis player, winning more than her share of ALTA city championships.

Client Spotlight

Tigers, Temples & Travel Triumphs: Matt and Donna Explore India & Nepal

From career goals to bucket list adventures, each retiree's journey is uniquely their own. At Capital Investment Advisors, we love spotlighting retirees who are embracing the freedom, joy, and fulfillment that retirement can offer. Today, we’re thrilled to share the story of Matt and Donna—two spirited travelers who recently checked off two major destinations from their retirement wish list: India and Nepal.

Client Spotlight

From Boardrooms to Bookshelves: How Gerald Turned Retirement into a Creative Renaissance

A native Georgian who grew up in the Atlanta suburb of Decatur, Gerald received a BBA from the University of Georgia (Go Dawgs!) and then signed up for three years of service as an artillery officer in the U.S. Marine Corps. Along the way, he achieved his MBA from the University of Tampa and went to work for companies such as Coca-Cola Enterprises and Genuine Parts Company.

Client Spotlight

Writing, Retirement, and Southern Soul – The Inspiring Encore of Chris Jones

If you cross-checked Capital Investment Advisors’ client list with a roster of extraordinary citizens who stand out in their respective communities, there would be plenty of overlap. Today’s spotlight shines on one such happy retiree—Chris Jones. Born in Alma, the blueberry capital of Georgia, his first job was as a high school radio DJ, which led to a stint as a news and sports reporter. In what he now refers to as a forty-year detour, he spent most of his career in corporate public affairs. Retiring from that world of politics and legislation in 2015 finally freed him up to rediscover his journalistic roots.

Client Spotlight

Kyle & Russ’s Month-Long Adventure Out West

Our job is to help retirees find happiness. When they do, we celebrate the news to help inspire others to pursue their core pursuits. Today, the spotlight is on Kyle and Russ. Kyle is a retired English professor. Russ mostly retired from IT management and Process Improvement in 2016 but maintains a small portfolio of consulting work to minimize nest egg withdrawals. With their newfound freedom, they decided to hop in a convertible Mustang and head west for a month-long, unforgettable road trip to visit family in the West Coast and complete the California Coast Highway.

Client Spotlight

To Iceland And Beyond

Retirement often marks the end of a career, but for Jerry and his wife Cherie, it was the beginning of something extraordinary—a chance to turn their lifelong dreams into unforgettable experiences. From dogsledding in Norway, chasing Atlantic puffins under Iceland’s misty skies to marveling at wild bears in the heart of Mount Rainier, their adventures remind us all that retirement is not only a retreat but a launchpad.

Client Spotlight

Dallas And Lisa’s Cherished Italian Adventure

Lisa retired from the Bell System in 2006 and Dallas a year later, timing that was influenced by an early package offer after the “new” AT&T bought out the company. No longer tied to their desks, they jumped at an invitation from their daughter Candice for an Italian adventure. Candice and her husband Collins had honeymooned there nearly 20 years prior and had always wanted to return with Dallas and Lisa.

Client Spotlight

A New Chapter of Service for These Happy Retirees

Retiring after a successful career as a chemical coating sales representative and over 30 years in healthcare management, Lloyd and Vickie were ready to get started on their core pursuits: community service and leadership. The two moved to Lake Oconee near Greensboro, Georgia. Wasting no time, Lloyd became Homeowners Association (HOA) President of their new community and then joined the Greene County Volunteer Fire Department, where he spent a decade ensuring the safety and well-being of his neighbors.

Client Spotlight

Elayne & Randy Visit All 63 National Parks in the U.S.

When it comes to traveling, Elayne and Randy prefer outdoor settings and enjoy hiking, so the national parks were a natural fit. The idea to visit them all came on a whim, and they said, “Why not?” The freedom to make that choice is one of the benefits of a happy and financially secure retirement.

Client Spotlight

Liz & David’s Dream Trip to Iceland

Our readers know that from time to time, we like to swing the spotlight around, off of us, so that the light can shine brightly upon our clients. Today, we need two lights—one for our clients and one for the Travel and Cruise Authority who helped them plan the trip of a lifetime.

Client Spotlight

Barbi’s Cowgirl Escapade & Living the Colorado Dream

We’ve all got that dream that’s been creepin’ and crawlin’ around in the back of our minds for years. Perhaps it’s something we’ve always wanted to do but never got the chance or had the nerve.

Client Spotlight

Ingrid’s Second-Act Career as a Travel Agent in Retirement

There’s a ubiquitous saying in American culture: If you can’t beat ‘em, join ‘em. Ingrid Reckard didn’t want to beat ‘em, but she certainly joined ‘em.

Client Spotlight

A Happy Retiree’s Hobby Restoring Classic Cars in Retirement (1970 Ford Bronco)

Much of the recent financial news has been laser-focused on inflation, and rightfully so. When prices go up, quality of life doesn’t often follow. At Capital Investment Advisors, we might have up-to-the-minute analysis on the Federal Reserve’s latest rate hike, but that doesn’t mean we’re paying any less for eggs at the grocery store.

Client Spotlight

Rafting the Colorado River Through the Grand Canyon in Retirement

When you spend most of your time helping folks plan for the happy retirements they deserve, it’s rewarding to stop and enjoy the ones who get there. What could’ve been a one-off article has become a running series of spotlights because so many of our clients are out there living out their dream retirement life.

Client Spotlight

A Happy Retiree’s Bucket List Trip to the Cathedral of Siena

One of the most rewarding aspects of working in portfolio management and retirement planning is seeing positive results in real-time. At our firm, we believe strongly in the principles we preach, but it’s up to our clients to go out there and live life to the fullest. One client, Janet, recently did just that with a visit to the Siena Cathedral located in Italy.

Client Spotlight

Hidden WWII Letters Help This Retiree Discover More About His Family

When finding happiness in retirement, our clients take many different paths. From time to time, we like to shine a light on the road a particular person has traveled. We’ve covered a lot of territory, but today’s spotlight illuminates more hallowed ground.

Client Spotlight

A Happy Retiree Couple’s Volunteer Opportunity at Olympic National Park

At Capital Investment Advisors, our team is lucky enough to work with a stellar group of clients. However, even amongst that group par excellence, Cyndi and Chelsy Cross stand out.

Client Spotlight

A Happy Retiree Couple’s Journey Along The Appalachian Trail

My job is to help folks find a path to happiness in retirement. Time, experience, and curiosity have accumulated into knowledge that I try to impart to my firm’s financial clients, radio and podcast listeners, and readers. One of my rewards is hearing the stories told by the people who take this advice to the next level.

Client Spotlight

The Story Of How Two Happy Retirees Played At Carnegie Hall

How do you get to Carnegie Hall? I always took 7th Ave but it never got me onto the stage. Making it that far requires practice.

When Should Married Couples File for Social Security?

Your Social Security filing strategy for married couples isn't just about timing, it's about protecting the surviving spouse. See the break-even math and learn why delaying the higher earner's benefit can make a significant difference for life.

How Should You Organize Your Retirement Portfolio? The Four-Bucket Approach Explained

The four-bucket system — Cash, Income, Growth, and Alternative Income — is designed to help you see how your money works for safety, income, and growth.

What Is Dry Powder In Investing? How Much Cash Retirees May Need To Weather Market Downturns

What Is Dry Powder? A Simple Definition For Retirees: three years of spending needs not covered by reliable income sources like Social Security or pensions.

Do You Know Your Marginal Tax Bracket?

Taxes are confusing. The Form 1040 is confusing. Marginal tax brackets are confusing. Sometimes those of us who work around these things every day forget that most people only look at their tax return once a year, hand it to their CPA, sign where they are told to sign, and move on with life.

Can I Use My Retirement Account to Help My Child Buy a House?

A common question in retirement planning is how to help adult children with a home down payment when most savings are in 401(k)s or other retirement accounts. The key issue is simple: withdrawals from traditional retirement accounts are generally taxed as ordinary income. That means money typically must pass through the Internal Revenue Service before it can be gifted.

Roth Conversion Strategy: Tax Brackets, Medicare Premiums, and Hidden Retirement Planning Risks

A Roth conversion can be a valuable tax strategy, or a very expensive lesson in unintended consequences. A Roth IRA is a retirement account funded with after-tax dollars, where investments can grow tax-free and qualified withdrawals in retirement are generally tax-free. There is a lot of Roth conversion FOMO (fear of missing out) out there. Like if you are not converting retirement assets into a Roth IRA, you are somehow missing the boat.