Helping Families Find Happiness In Retirement
At Capital Investment Advisors, we believe that well-balanced, multi-asset income-producing portfolios are a cornerstone to helping our families work towards their retirement goals. Our financial advisors specialize in developing and maintaining portfolios that are custom-tailored to fit the client’s lifestyle, goals, and needs. We aim to help families generate a steady stream of income from their retirement savings while also advising on a wider array of areas in financial planning. The investment advising that our team offers serves our ultimate goal: helping families find happiness in retirement.
Retire Sooner
As a seasoned finance professional, best-selling author, broadcaster, and teacher, Wes has done extensive research on the habits of the happiest retirees. On this podcast Wes shares key lifestyle and money habits you can implement now to prepare for a secure future while not depriving yourself of happiness in the present. In addition to leveraging his 20+ years of knowledge as an investment advisor, Wes brings in guests, specialists and our team of financial professionals to teach you how to set and work towards your financial and lifestyle objectives.
With over 1.3 million downloads and counting, the mission of the Retire Sooner Podcast is to provide real-life lifestyle goals without weighing listeners down with financial jargon and unrealistic money goals.
Submit Your Financial Question for an Upcoming Episode:
Call 800-805-6301 and leave a voicemail with your financial question for a chance to be featured on an upcoming episode.
If you’re interested in being a guest on the podcast, submit your contact information and preferred topic here.
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All Episodes
#286 – Clark Howard Joins Retire Sooner to Break Down Buffett, Markets, and 2026 Themes
- 43 Mins
285 – Retirement Planning, Investing Trade-Offs, and Household Risk Explained
- 43 Mins
#284 – Inside the Research: Happiness, Jobs Data, and Retirement Questions
- 43 Mins
#283 – Healthcare, Social Security, and Rate Cuts: Retirement Planning in Today’s Economy
- 43 Mins
#282 – Roth Conversions and Withdrawal Frameworks: Retirement Income Planning
- 43 Mins
#281 – The Saver-to-Spender Shift: Behavioral Drivers of Thoughtful Retirement Planning
- 43 Mins
#280 – Your Guide to Today’s Highly Searched Retirement Questions
- 43 Mins
#279 – Retirement Catalysts: The Moments That Can Shift Your Financial Future
- 43 Mins
#278 – Planning Clarity: Family Support, Tax Rules, and the Workforce of Tomorrow
- 43 Mins
Learn more about Capital Investment Advisors
Sustainability of a 4% Withdrawal Rate
Studies have found that historically, a retiree could withdraw 4% of their initial retirement assets, and increase that amount every year to account for inflation, assuming a 50% to 75% portfolio allocation to stocks. Based on research, we typically use 4% as a guideline when planning withdrawals from portfolios.
Our Approach to Financial Planning
CIA focuses on a target yield and income production from investments. Our financial advice focuses on retirement income planning, striving to meet a family’s spending needs over multiple decades.
Our Multi-Asset Class Income Strategy
Utilizing our multi-asset class strategy allows us to build a diversified portfolio using historical yields as a guide.
Our Investing Style
CIA’s goal is to deliver income while prudently managing risks.
CIA in the Press
On September 12, 2025, Barron’s listed Capital Investment Advisors, LLC (“CIA”) as #77 of Top 100 RIA Firms
Capital Investment Advisors is proud to announce that Barron’s has named Capital Investment Advisors, LLC as one of the 2025 top 100 RIA Firms. On
Jeff Lloyd Featured in MarketWatch
Recently, Wes Moss was featured in a MarketWatch article on secrets to successfully taking RMDs – and minimizing taxes while doing it. Read the excerpted
On September 5th, 2025, Atlanta Business Chronicle ranked Capital Investment Advisors #13 on their Atlanta’s 25 Largest Money Managers list
We are excited to announce that Capital Investment Advisors has made it on Atlanta Business Chronicles 2025 Atlanta’s 25 Largest Money Managers list! Capital Investment Advisors ranks
On September 5th, 2025, Atlanta Business Chronicle ranked Capital Investment Advisors #15 on their Atlanta’s 25 Largest Financial Planning & Advisory Firms list
We are excited to announce that Capital Investment Advisors has made it on Atlanta Business Chronicles 2025 Atlanta’s 25 Largest Financial Planning & Advisory Firms list! Capital
Business Development Team
As always, we are honored to serve you as both a partner and resource. Please don’t hesitate to reach out if we can provide further assistance, we are happy to help.
All investments involve risks, including possible loss of principal. An Advisor’s judgment about markets, interest rates or the attractiveness, relative values, liquidity, or potential appreciation of particular investments is important to the portfolio accomplishing its goals. The portfolio could experience losses if these judgments prove to be incorrect. Stock prices fluctuate, sometimes rapidly and dramatically, due to factors affecting individual companies, particular industries or sectors, or general market conditions. For stocks paying dividends, dividends are not guaranteed, and can increase, decrease or be totally eliminated without notice. Fixed-income securities involve interest rate, credit, inflation, and reinvestment risks; and possible loss of principal. As interest rates rise, the value of fixed-income securities falls. Global investing can involve additional risks, such as the risk of currency fluctuations. Diversification can reduce (but not eliminate) the risk of loss. Please see our ADV Part 2, Item 8 for more information about investing risk. Past performance does not guarantee future results.
