J. Andy Ingram, AIF ®
Asset Management
Wealth Management is more than investing… it is an ongoing, customized, comprehensive financial plan that’s managed around your life.
Unlike any other generation before, today we are more responsible than ever for our own retirement success.
Economic conditions are always changing. Strategies that worked yesterday may not work in today's modern economy.
With an overwhelming number of financial products, strategies, and varying opinions, it is more important than ever to take a proven, methodical approach to wealth management.
Capital Investment Co. of Virginia
A proven methodology will give you confidence that your financial plan will work in all economic conditions, not just the perfect ones.
Your Financial Dreams
Become Our Passion.
Your goals
Get a Clear Picture of Your Assets
A comprehensive look at your entire portfolio
Determine the right balance of Risk and Return that is right for you. Examine ALL your Investments individually and as a household. Are your Assets working towards your Needs, Wants & Wishes or should they be adjusted?
Capital Investment Co. of Virginia
You need a wealth management advisor to help you make the most of your plan.
J. Andy Ingram, AIF ®
Our Services
Holistic Financial
Planning
• Risk Management & Insurance Planning
• Retirement Planning
• Retirement Income Planning
• Tax Management and Planning
• Philanthropic and Charitable Giving
Life Event Planning
• College Planning
• Buying / Selling a Home or Business
• Marriage / Divorce
• Estate & Legacy Planning
Investment Management
• Portfolio Analysis
• Investment Advisory
• Portfolio Customization
• Portfolio Management
• Retirement Income Management
Capital Investment Co. of Virginia
AUM Fees
* Family Office Arrangements On - Demand
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.
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It All Begins with a Conversation.
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Capital Investment Company of VA
Experience Confidence. Ethical Advice. Independent Expertise.
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