For individuals - lifestyle planning
Confident Living Starts with Smart Lifestyle Planning
We help you define what matters, align your financial habits with those priorities, and track measurable progress. Every decision connects back to your goals, so your money supports the milestones that define your story.
Capital Investment Co. of Virginia
Lifestyle Planning focuses on the life you want to live, not just the portfolio you build.
From the Founder
“You need solutions, not obstacles. Financial conversations are the foundation of a strong understanding on how to solve the complexities unique to you, your family and your businesses.”
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™
Capital Investment Co. of Virginia
Where do you want to be in 2, 5, 10... 20 years?
Together we’ll map the path, stress-test it, and evolve it as life changes.
Capcova + sollinda
Core Services
Goal Planning
Clarify and prioritize outcomes across family, work, giving, and lifestyle.
Accumulation Strategies
Build a funding plan for short-, mid-, and long-term goals.
Life Events Planning
Marriage, children, home purchases, liquidity events, or business transitions.
Risk Management
Identify exposures and engineer guardrails around your plan.
Asset
Protection
Coordinate entity design, insurance, and titling strategies.
Education Planning
529s, trusts, funding schedules, and distribution timing.
Budget Management
Cash-flow design, spend tracking, and savings automation.
Success Story
Turning Vision Into Milestones
A Roanoke physician couple wanted to fund their children’s education, remodel their home, and retire to Smith Mountain Lake, all without sacrificing present lifestyle flexibility. We began with a Lifestyle Plan that balanced cash-flow needs against future priorities. Through disciplined automation and quarterly check-ins, they met tuition targets early, finished the remodel under budget, and accelerated retirement by two years, proof that clarity and structure create freedom.
Capital Investment Co. of Virginia
Collaborate with a Coordinated Team of Specialists
You deserve more than a one-dimensional financial service. Your Lifestyle Plan is powered by a collaborative team, fiduciary advisors, CPAs, estate attorneys, insurance specialists, and business consultants, aligned around your goals so every decision supports the next.
Capital Investment Company of VA
Ready to map your next 2, 5, 10... 20 years? Let’s start with a conversation.
From the Founder
“You need solutions, not obstacles. Financial conversations are the foundation of a strong understanding on how to solve the complexities unique to you, your family and your businesses.”
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™
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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