Capital Investment Company of VA
Meet Andy
An Accredited Investment Fiduciary & A Certified Plan Fiduciary Advisor
Founder, Capital Investment Co. of Virginia
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™
J. Andy Ingram is a nationally recognized retirement plan advisor with a mission to simplify complex financial decisions and deliver retirement strategies that work for both employers and employees.
As Founder of Capital Investment Co. of Virginia and a strategic partner of Sollinda Capital Management, Andy brings a fiduciary-first mindset, deep technical knowledge, and a client-centered approach to every engagement. He also serves as a featured faculty member with The Plan Sponsor University (TPSU), educating employers across the country on best practices in plan design and fiduciary governance.
These designations affirm his specialized expertise in ERISA compliance, plan benchmarking, investment oversight, and participant outcomes.
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™
Credentials & Designations
AIF® – Accredited Investment Fiduciary
QPFC® – Qualified Plan Financial Consultant
CPFA™ – Certified Plan Fiduciary Advisor
C(k)P® – Certified 401(k) Professional
Ri(k)™ – Retirement Income (k) Specialist
FIDUCIARY ROLE
For some, it’s a guideline, but for us, it’s who we are.
Capital Investment Company of VA
As fiduciaries, we put our clients’ needs ahead of our own.
We go above and beyond the standard by educating and empowering our clients with all strategic options.
From the Author
Why Andy?
About the Founder
As an independent advisor, Andy avoids cookie-cutter solutions, offering instead a tailored experience that prioritizes your long-term success.
With over a decade of experience and a reputation for leadership in the retirement space, Andy Ingram delivers strategies that are technically sound, cost-efficient, and deeply human. He brings expertise in Roth strategies, tax planning, and market resilience paired with a client-first mindset that resonates with HR leaders, CFOs, business owners, and individual investors alike. Whether you’re building a 401(k) plan, enhancing fiduciary oversight, or seeking personalized retirement advice, Andy provides a clear, confident path forward.
Capital Investment Company of VA
Collaborate With Specialists
Discover the confidence of working with a Specialist Advisor on your Employer Retirement Plans and find out how our Lifestyle Planning and Investment Management processes help individuals, Families and Businesses prosper.
FAQs
Frequently Asked Questions
Why do I need a financial advisor?
Money decisions are complicated, and small mistakes can cost big. I simplify your options, help you avoid costly errors, and build a clear plan for your future.
What’s the difference between financial planning and investing?
Investing is one part of the picture. Financial planning covers the whole picture—retirement, taxes, insurance, estate planning, and how it all works together.
Do I really need to save for retirement if I have a 401(k)?
Yes. A 401(k) is a great start, but it’s just one tool. I’ll help you maximize it and build a retirement income plan that lasts.
Is now a good time to invest?
Yes—if you invest with a plan. We match your timeline and risk level, then put cash to work in stages so you don’t rely on perfect timing.
What’s a “good” annual return?
A good return is the one that gets you to your goals with risk you can live with. We set expectations by plan, not headlines.
What should I do with an old 401(k)?
You can leave it, roll to your new plan, or roll to an IRA. I compare fees, fund choices, and protections, then execute the rollover for you.
What are my fiduciary responsibilities as a plan sponsor?
As fiduciary, you must act prudently, document decisions, monitor investments, and ensure fees are reasonable. I provide 3(21) or 3(38) fiduciary support, policies, and a documented process to reduce liability.
How do I reduce liability for myself and the company?
Shift investment selection to a 3(38) fiduciary, adopt an IPS, run quarterly reviews, and maintain a fiduciary file. My role is to build and maintain that defense file for you.
How do we integrate financial wellness into our retirement program?
We add budgeting, debt payoff, and household planning tools. I align wellness programs with retirement readiness metrics so benefits show measurable ROI.
Capital Investment Company of VA
Find Your Inspiration.
contact
It All Begins with a Conversation.
Have questions or need assistance? Reach out to us through our contact form below. We're here to help you connect and collaborate!
legal