# Capital Investment Advisors: Capital Investment Advisors is an Atlanta\-based fee\-only investment management firm that specializes in retirement income planning\.

> Fee\-only advisors helping families retire happy since 1996\. Customized income portfolios, retirement planning, and tax strategy\. Schedule a conversation\.

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## Pages
- [About Us](https://www.yourwealth.com/about/)
- [Schedule Appointment](https://www.yourwealth.com/contact/schedule-appointment/)
- [Terms of Use](https://www.yourwealth.com/terms-of-use/)
- [Privacy Policy](https://www.yourwealth.com/privacy-policy/)
- [Wealth Management](https://www.yourwealth.com/services/wealth-management/)
- [Atlanta](https://www.yourwealth.com/contact/atlanta/)
- [Tampa](https://www.yourwealth.com/contact/tampa/)
- [Denver](https://www.yourwealth.com/contact/denver/)
- [Dallas](https://www.yourwealth.com/contact/dallas/)
- [Phoenix](https://www.yourwealth.com/contact/phoenix/)
- [Resources](https://www.yourwealth.com/resources/)

## Posts
- [How Should You Organize Your Retirement Portfolio? The Four\-Bucket Approach Explained](https://www.yourwealth.com/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\.
- [Predictions for the Market in 2023](https://www.yourwealth.com/predictions-for-the-market-in-2023/)
- [Stop Working When You Reach 25x In The Bank](https://www.yourwealth.com/stop-working-when-you-reach-25x-in-the-bank/)
- [101 Retirement Tips](https://www.yourwealth.com/101-retirement-tips/)
- [IRAs for Education](https://www.yourwealth.com/iras-for-education/)

## Testimonials
- [Happy Retirees Volunteer At Olympic National Park](https://www.yourwealth.com/testimonials/maximizing-your-social-security-with-mary-beth-franklin-part-one/): At the young age of 55, Cyndi and Chelsy Cross embarked on a new chapter of their lives\. Managing their wealth wisely over the years allowed them the freedom to pursue their passions\. Discover their inspiring journey as they immerse themselves in a unique volunteer opportunity, monitoring marmots at Olympic National Park\. Witness their love for nature and lifelong learning, showcasing the boundless adventures that retirement can bring\.
- [Happy Retirees Volunteer At Olympic National Park](https://www.yourwealth.com/testimonials/a-happy-retiree-couples-volunteer-opportunity-at-olympic-national-park/): At the young age of 55, Cyndi and Chelsy Cross embarked on a new chapter of their lives\. Managing their wealth wisely over the years allowed them the freedom to pursue their passions\. Discover their inspiring journey as they immerse themselves in a unique volunteer opportunity, monitoring marmots at Olympic National Park\. Witness their love for nature and lifelong learning, showcasing the boundless adventures that retirement can bring\.
- [Happy Retirees Volunteer At Olympic National Park](https://www.yourwealth.com/testimonials/a-happy-retiree-couples-volunteer-opportunity-at-olympic-national-park-2/): At the young age of 55, Cyndi and Chelsy Cross embarked on a new chapter of their lives\. Managing their wealth wisely over the years allowed them the freedom to pursue their passions\. Discover their inspiring journey as they immerse themselves in a unique volunteer opportunity, monitoring marmots at Olympic National Park\. Witness their love for nature and lifelong learning, showcasing the boundless adventures that retirement can bring\.

## Team Members
- [Miller Majors, CPA, CFP®](https://www.yourwealth.com/team/miller-majors/)
- [Holly Evans Mallory, IACCP®](https://www.yourwealth.com/team/holly-mallory/)
- [Ricky Yang, CFP®, CHFC®, RICP®](https://www.yourwealth.com/team/ricky-yang/)
- [Jay Gardner, CPA](https://www.yourwealth.com/team/jay-gardner-cpa/)
- [Remington Hasty](https://www.yourwealth.com/team/remington-hasty/)

## FAQs
- [What are the pros and cons of fixed annuities?](https://www.yourwealth.com/pla_faq/what-are-the-pros-and-cons-of-fixed-annuities/)
- [I have considering putting money into a Roth IRA recently\. I was looking at Vanguard’s VTSMX Total Stock Market Index\. Basically I want to invest the $3,000 initially, and then about $500 per month\.  But now, our company's 401\(k\) is giving us a Roth option\. I am 48 and contribute about $10,000 per year to my current 401\(k\)\. I have changed my 401k so that I am now paying 60% Roth and 40% traditional 401k\. Does this approach make sense? How does the 401\(k\) Roth work? Does your company offer retirement reviews?](https://www.yourwealth.com/pla_faq/i-have-considering-putting-money-into-a-roth-ira-recently-i-was-looking-at-vanguards-vtsmx-total-stock-market-index-basically-i-want-to-invest-the-3000-initially-and-then-about-500-per/)
- [For a retirement income portfolio with moderate risk, what are good products to invest in?](https://www.yourwealth.com/pla_faq/for-a-retirement-income-portfolio-with-moderate-risk-what-are-good-products-to-invest-in/)
- [I have a question about asset location\. I currently have 85% in equity and 15% in bond allocation\. I understand that bonds are not tax\-efficient and that it's best to keep them in tax\-advantaged accounts\. I have a much larger percentage of my portfolio that is taxable, so that means that my tax\-deferred accounts are almost entirely in bonds\. That means that my tax\-deferred accounts will most likely grow at a much lower rate than my taxable which is all equities\. This doesn't sit well with me\. Is this the proper approach?](https://www.yourwealth.com/pla_faq/i-have-a-question-about-asset-location-i-currently-have-85-in-equity-and-15-in-bond-allocation-i-understand-that-bonds-are-not-tax-efficient-and-that-its-best-to-keep-them-in-tax-advantaged-accoun/)
- [What is a 26f program? Are funds that are stated to be 26f, such as Vanguard Wellington, good investments in an IRA or are they better in a taxable account?](https://www.yourwealth.com/pla_faq/what-is-a-26f-program-are-funds-that-are-stated-to-be-26f-such-as-vanguard-wellington-good-investments-in-an-ira-or-are-they-better-in-a-taxable-account/)

## Resources
- [Retirement Calculator](https://www.yourwealth.com/pla_resource/retirement-calculator/)
- [Happy Retirement Quiz](https://www.yourwealth.com/pla_resource/ebook/)
- [Dry Powder Calculator](https://www.yourwealth.com/pla_resource/faqs/)
- [Podcasts](https://www.yourwealth.com/pla_resource/retire-sooner-podcast/)
- [101 Retirement Tips eBook](https://www.yourwealth.com/pla_resource/101-retirement-tips-ebook/)

## Locations
- [Phoenix](https://www.yourwealth.com/locations/phoenix/)
- [Denver](https://www.yourwealth.com/locations/denver/)
- [Dallas](https://www.yourwealth.com/locations/dallas/)
- [Tampa](https://www.yourwealth.com/locations/tampa/)
- [Atlanta](https://www.yourwealth.com/locations/atlanta/)

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- [Happiest Retiree](https://www.yourwealth.com/category/happiest-retiree/)

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- [Retirement Planning](https://www.yourwealth.com/pla_faq_category/retirement/)
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