J. Andy Ingram, AIF ®
Lifestyle & Retirement Planning
People need solutions, not obstacles. Financial conversations are the foundation of a strong understanding on how to solve the complexities unique to them.
Capital Investment Co. of Virginia
Feel confident in your financial wellness.
Defining and prioritizing goals can help put your financial decisions into perspective. Our process helps you do just that.
What are your NEEDS? What about things you WANT to include? Then decide and define your WISHES.
We are dedicated to making goal-based financial planning efficient and approachable with tools to customize your experience to meet your unique objectives in a Lifestyle Plan.
Your Financial Dreams
Become Our Passion.
Your goals
This Is The Heart Of Any Financial Plan
Your Goals are divided into Needs, Wants & Wishes. Not all goals are equal. We can address each of these and learn what is important to you and why. We will also include options you may not have thought about to build you the most robust plan possible.
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
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!
Capital Investment Company of VA
Experience Confidence. Ethical Advice. Independent Expertise.
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