For individuals - INSURANCE, ALTERNATIVES & TAX planning
Protect, Diversify, Optimize: Build Strength Into Every Decision
Capital Investment Co. of Virginia
This is where risk management and opportunity design meet.
We help you implement the right mix of insurance solutions, alternative investments, and coordinated tax strategies, creating layered protection for your lifestyle, family, and business. The goal isn’t complexity; it’s clarity, efficiency, and confidence through changing markets and life events.
From the Founder
“Resilience is engineered before you need it. the right combination of protection, diversification, and tax strategy turns volatility into a managed variable.”
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™
Capcova + sollinda
Core Services
Annuities
Income security and downside management aligned to your time horizon.
Life Insurance
Protection for family and business continuity; term, permanent, and advanced designs.
Long-Term Care Insurance
Strategies to safeguard assets and caregiving choices.
Alternative Investments & Brokerage Services
Access to institutional options where suitable, with clear due diligence.
Private Placements & Cash-Flow Optimization
Purpose-built structures and liquidity planning for qualified investors.
Tax-Favored Investments
Coordinate vehicles that work with your broader tax plan.
Disability Insurance
Protect earning power and household stability.
Income Offsetting Investments
Approaches designed to counterbalance sequence and inflation risk.
All recommendations are made in a fiduciary, product-agnostic framework and coordinated with your CPA/estate counsel.
Success Story
Turning Risk Into a Plan
A small-business owner in Salem relied on business income and had significant concentration risk. We structured a layered plan: key-person life and disability coverage, a modest annuity sleeve for baseline income security, and an alternatives allocation sized to cash-flow needs. Combined with entity-level tax planning, the family reduced income volatility, increased after-tax efficiency, and gained confidence that a single disruption wouldn’t derail long-term goals.
Layers of Protection & Diversification
Foundation Coverage (Life, Disability, LTC)
Income Stability (Annuities, Structured Payouts)
Diversifiers (Private Credit, Real Assets, Hedge-Aware)
Tax Coordination (Roth/Pre-Tax Mix, Harvesting, Deferrals)
Liquidity Planning (Lines, Ladders, Contingencies)
Business Continuity (Buy-Sell, Key-Person, Overhead)
Capital Investment Co. of Virginia
Collaborate with a Coordinated Team of Specialists
Insurance and alternatives aren’t stand-alone lanes, they connect to your taxes, estate plan, and investment strategy. Your coordinated team (advisors, CPAs, estate attorneys, insurance specialists) keeps every decision aligned and purposeful.
Capital Investment Company of VA
Ready to engineer resilience into your plan?
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.
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!
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