For individuals - RETIREMENT planning
Live Confidently: Retirement Planning That Sustains Your Lifestyle
Capital Investment Co. of Virginia
The single biggest question for most people is simple: Can I fund my lifestyle in retirement without running out of money?
Our role is to help you answer that question with confidence. We design clear, data-driven retirement income strategies that help you live comfortably, spend intentionally, and adapt as markets and life evolve.
Retirement Planning with Sollinda Capital isn’t about guesswork, it’s about clarity, cash-flow control, and flexibility, so you can enjoy the phase of life you’ve envisioned.
From the Founder
“Retirement isn’t an ending, it’s a re-design of your life. The goal isn’t just to stop working; it’s to fund the life you’ve earned.”
J. Andy Ingram, AIF®, QPFC®, CPFA™, C(k)P®, Ri(k)™
Capcova + sollinda
Core Services
Retirement Income Planning
Align spending with predictable, sustainable income flows.
Distribution Strategy
Coordinate tax-efficient withdrawals across accounts.
Social Security Optimization
Identify the ideal claiming strategy based on age, earnings, and spousal benefits.
Lifetime Income Analysis
Forecast multiple what-if scenarios to strengthen your plan’s resilience.
Strategic Tax Planning
Sequence distributions to minimize lifetime taxes.
Investment Management
Maintain balance between income stability and growth.
Lifestyle Planning
Align retirement spending with purpose and personal goals.
Risk Management & Asset Protection
Safeguard your income stream against inflation and longevity risk.
Success Story
Confidence in Every Paycheck
A recently retired couple from Blacksburg wanted assurance that their income plan could weather market swings. We built a customized withdrawal strategy integrating Social Security, required minimum distributions, and a segmented investment portfolio. By blending guaranteed income with long-term growth assets, their retirement plan now produces predictable monthly income while still growing for future needs, delivering both security and peace of mind.
Retirement Income Confidence Framework
Income Layering Strategies
Tax-Smart Distribution Sequencing
Guaranteed Income & Annuity Structures
Inflation-Hedge Planning
Roth Conversion Timing
Longevity Risk Offsets
Legacy & Estate Integration
Capital Investment Co. of Virginia
Collaborate with a Coordinated Team of Specialists
Our retirement planning process unites investment, tax, insurance, and estate experts to protect your income, preserve your capital, and keep your lifestyle sustainable. You deserve a plan that adapts as life changes, one designed to help you live confidently every day.
Capital Investment Company of VA
Plan for the life you’ve earned. Let’s design your Retirement Income Confidence 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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