J. Andy Ingram, AIF ®
Retirement Plan Consulting
Your employees are a critical asset - make sure they're confident in their financial future with you.
Capital Investment Co. of Virginia
Partner with excellence.
Founder, Capital Investment Co. of Virginia
J. Andy Ingram, AIF®, QPFC®, CPFA™, Ri(k)™
Andy is proudly recognized as a disrupter in the retirement industry as a Retirement Plan Consultant. He will relay eye-opening information to Plan Sponsors and build a relationship grounded in trust, integrity and transparency.
As a Retirement Plan Consultant, Andy's focus is on helping businesses implement industry best practices.
You will partner with a team that is at the forefront of ERISA & DOL/IRS Compliance. Our blueprint was handed directly to us from the Department of Labor! Together, we will guide and reform your plan to the best available solution for your company.
Our process enlightens, educates and reforms your plan to meet the industry’s best practices in order to reduce the burden on business owners and HR professionals.
WE WILL BE YOUR LAST CALL!
Your Financial Dreams
Become Our Passion.
Founder, Capital Investment Co. of Virginia
There is a crucial need to help plan participants address sources of money worries and reduce issues with decreased productivity, absenteeism, and the mental and physical effects of financial stress.
We provide financial education programming that is engaging, interactive and personalized using custom playlists built with age and goals-based modules. We have solutions that build loyalty with participants.
This is a FREE add on to any 401k Plan.
Plan Sponsors can deliver customized financial education, track and monitor engagement and usage, and initiate important dialog around critical topics. Our wellness platform fosters stronger relationships between plan sponsors, participants, and their families.
J. Andy Ingram, AIF ®
A Team of Specialists
At Your Disposal
Independent Fiduciary Specialists at every level of the Retirement Plan. We deliver the highest level of fiduciary plan management a plan can have. We provide a full service / turnkey solution that hits every mark you're concerned about. We deliver 3(38) Investment Management, advisor-led education, and financial wellness services
Full ERISA 3(38)
Discretionary Asset Manager
We serve at the highest level of fiduciary delegation for our Plan Sponsors. This means unfettered access to all investment options and completely free from constraining outside influences to select whatever options deemed to be prudent. There is REAL value in retaining an investment manager (Capital Investment Advisory Services or CIAS) pursuant to ERISA section 3(38) lies in having a truly INDEPENDENT firm make the same types of decisions that a well-informed Plan Sponsor would. A full 3(38) arrangement represents the highest level of investment liability transfer possible under ERISA.
Capital Investment Co. of Virginia
Give your employees confidence in their financial future with you.
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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