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Capital Investment Advisors (CIA) has a unique approach to help you plan for retirement. While most portfolio management focuses on hypothetical rates of return, CIA focus on a target “yield” and “income production” from your investments. Our financial advice focuses on retirement income planning, helping to ensure that your spending needs will be met over multiple decades, even with future inflation.
CIA calls this system “Filling the Gap” analysis as it pertains to fulfilling your spending needs that are not covered by Social Security and pensions. This analysis helps determine how much of your retirement portfolio should be invested towards generating monthly income.
If your spending needs are met through current income, pensions or Social Security, our retirement planning will focus on reinvesting portfolio income and developing a growth-oriented strategy for capital appreciation. At Capital Investment Advisors, we offer financial advice you can trust.