Wealth Management for Families at Every Stage of Life
Fee-Only
Fiduciary
8B+ AUM
Nearly 30 Years of Experience
Wealth Management for Families at Every Stage of Life
What is Wealth Management?
Wealth management is a comprehensive approach to your financial life, integrating investment management, retirement income planning, tax strategy, estate planning, and risk management into one cohesive strategy. Instead of treating each area separately, wealth management focuses on how every financial decision works together to help support your long-term well-being. It is beneficial for families who want help:
- Managing investments with a long-term, income-focused strategy
- Planning for a retirement they can truly enjoy
- Improving tax efficiency over time
- Making informed, complex financial decisions
- Seeking to preserve and transfer wealth to the people and causes they care about
How We Work With You
Step 1
Understand Your Full Picture
We begin with what matters most, your goals, priorities, income sources, and concerns, so the strategy we build reflects your life, not just your numbers.
Step 2
Build a Coordinated Strategy
We align your investments, retirement income plan, and tax strategy into one integrated approach, so decisions can be made in the context of your complete financial picture.
Step 3
Ongoing Guidance and Adjustments
We monitor your plan, proactively communicating and adjusting as markets shift and your life evolves.
Wealth Management Services
Each service is designed to connect the separate parts of your financial life into one comprehensive, personalized plan.
Investment Management
Customized, income-focused portfolio strategies built with your goals and timeline in mind.
Retirement Planning
Solutions designed to help support a happy retirement by focusing on sustainable income and long-term financial security.
Financial Planning
A coordinated process connecting your goals, assets, and decisions.
Tax and Accounting
Year-round approach focused on improving tax efficiency over time.
Estate Planning Guidance
Guidance to help align asset transfer strategies with your wishes, across generations.
Insurance & Healthcare Guidance
Independent evaluation of coverage options from an advisor who does not sell products.
Charitable Giving
Thoughtful strategies designed to support what you care about while focusing on enhancing tax efficiency.
Senior Living and Elder Care
Collaborate with elder care consultants to provide senior living options and support for family decision making.
Business
Planning strategies that connect business success to long-term personal financial goals.
Financial Questions We Help You Navigate
- Can I retire now, or should I wait?
- How do I structure my portfolio to support retirement income needs?
- Should I do a Roth conversion, and if so, when?
- When is the right time to claim Social Security?
- Should I pay off my mortgage or stay invested?
- How can I improve tax efficiency in retirement?
- How should my investment strategy evolve over time?
Who We Work With
We serve a wide range of families and individuals united by a desire for a more thoughtful, coordinated approach to their financial lives.
Families approaching or living in retirement who want a clear, sustainable income strategy designed to support their long-term needs
High-net-worth and multigenerational families navigating complex, multi-dimensional financial situations
Business owners, executives, and professionals managing equity compensation, variable income, or liquidity events
Families experiencing major transitions, such as inheritance, divorce, the sale of a business, or the loss of a spouse
Individuals earlier in the wealth-building journey who want to establish a strong financial foundation for the future
Frequently Asked Questions
Ready for a More Coordinated Path Forward?
Start with a conversation about your goals, questions, and how a holistic plan could simplify your financial life.
Schedule a ConsultationCapital Investment Advisors, LLC (“CIA”) is a registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. The information presented on this website is for informational purposes only and should not be construed as personalized investment, legal, or tax advice. You should consult your financial advisor, attorney, or tax professional regarding your individual situation before making any financial decisions. All investing involves risk, including the possible loss of principal. Past performance is not indicative of future results, and there can be no assurance that any investment strategy will be successful. Any references to investment strategies, asset allocation, or financial planning concepts are provided for illustrative purposes only and may not be appropriate for all investors. Any opinions expressed are subject to change without notice and are based on current market conditions. Forward-looking statements are not guarantees of future performance and involve certain risks and uncertainties. CIA does not provide tax or legal advice. Tax and estate planning services are offered in coordination with a client’s independent tax and legal advisors. Information presented regarding the firm, including assets under management, number of clients, and years of experience, is believed to be accurate as of the date indicated but is subject to change. For additional information about Capital Investment Advisors, including fees and services, please review our Form ADV Part 2A, which is available upon request or at https://adviserinfo.sec.gov/firm/summary/158055.
