Capital Investment Advisors

What Capital Investment Advisors does

Capital Investment Advisors (CIA) is a fee-only, fiduciary registered investment adviser founded in 1996 and headquartered in Atlanta, Georgia. The firm operates an integrated wealth management platform built around nine service areas: investment management, retirement planning, financial planning, tax and accounting, estate planning guidance, insurance and health guidance, charitable giving, senior living and elder care, and business owners and executives services. CIA serves individuals and families across the wealth spectrum—from those actively building toward retirement to established high-net-worth and multi-generational households—with a stated emphasis on sustainable retirement income planning. The firm is SEC-registered (CRD 158055) and operates on a subscription recurring revenue model compensated solely by client advisory fees, with no product sales commissions.

Name

Capital Investment Advisors

Legal name

Capital Investment Advisors, LLC

Website

https://yourwealth.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

Capital Investment Advisors is a fee-only, fiduciary registered investment adviser founded in 1996 that provides integrated wealth management and retirement income planning to 6,100+ families across five US offices.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)

SIC

Investment Advice (6282)

akta.pro primary industry

Advisory Portfolio Management (Non-Discretionary) (FSAAABAD)

Keywords

• Retirement income planning
• Fee-only wealth management
• Investment advisory services
• Financial planning
• Estate planning guidance

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Investment Advisory Fees: Fee-only investment advisory services where the firm is compensated solely by client fees rather than commissions on product sales. As a registered investment adviser (RIA), the firm charges fees for comprehensive wealth management services.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Capital Investment Advisors is a fee-only, fiduciary registered investment adviser that provides comprehensive wealth management services to individuals and families. Its core service integrates customized income-focused investment management, retirement income planning, financial planning, tax strategy, estate planning guidance, insurance evaluation, charitable giving strategies, and senior living/elder care coordination into one coordinated engagement delivered by partner-level advisors across five U.S. offices.

Product overview

Capital Investment Advisors (CIA) is a fee-only, fiduciary wealth management firm that operates as a unified platform offering comprehensive financial services. The core offering is Wealth Management, which integrates nine service areas: Investment Management, Retirement Planning, Financial Planning, Tax and Accounting, Estate Planning Guidance, Insurance & Health Guidance, Charitable Giving, Senior Living and Elder Care, and Business Owners & Executives. Supporting the service platform are client-facing digital tools including the Happy Retirement Planner calculator, Money & Happiness Quiz, and Core Pursuit Finder worksheet. The firm also produces educational content including the Retire Sooner, Money Matters, and Happiest Retirees podcasts, as well as free eBooks on retirement topics. All services are accessible through the yourwealth.com platform with physical offices in Atlanta, Tampa, Phoenix, Denver, and Dallas.

Differentiator

Problem solved

Functional benefit

Brands

• Retire Sooner: Research-based retirement planning methodology and brand featuring Wes Moss's books and educational content including podcasts, videos, articles, and online tools.

Products and services

• Wealth Management Comprehensive wealth management service for individuals and families integrating investment management, retirement income planning, tax strategy, estate planning, insurance evaluation, charitable giving, senior living coordination, and business-owner/executive planning into a single coordinated engagement. Tailored to each family's situation, goals, and timelines.
• Investment Management Customized, income-focused portfolio strategies built around client goals and timelines. Designed for individuals and families seeking a portfolio aligned with their retirement or wealth-building stage.
• Retirement Planning Solutions designed to help support a happy retirement by focusing on sustainable income and long-term financial security. For individuals and families in or approaching retirement.
• Financial Planning A coordinated process connecting client goals, assets, and decisions across all areas of a household's financial life. Foundation service for individuals and families at any wealth stage.
• Tax and Accounting Year-round approach focused on improving tax efficiency over time for clients, coordinated with investment and estate planning.
• Estate Planning Guidance Guidance to help align asset transfer strategies with client wishes across generations. For families managing estate planning, charitable giving, and generational wealth transfer.
• Insurance & Health Guidance Independent evaluation of coverage options from an advisor who does not sell insurance products. For individuals and families seeking unbiased review of insurance and healthcare coverage.
• Charitable Giving Thoughtful strategies designed to support what clients care about while focusing on enhancing tax efficiency. For clients with philanthropic goals.
• Senior Living & Elder Care Coordination with elder care consultants to provide senior living options and support for family decision-making. For families navigating aging-related transitions.
• Business Owners & Executives Planning Planning strategies that connect business success to long-term personal financial goals, including equity compensation, variable income, and liquidity event planning. For business owners, executives, and professionals.
• Happy Retirement Planner Interactive calculator that assesses personalized retirement projections using client finances, lifestyle, and future aspirations. Free client-facing tool on the yourwealth.com platform.
• Core Pursuit Finder Worksheet tool that helps users identify five or more meaningful activities that anchor a happy retirement. Free client-facing tool on the yourwealth.com platform.
• Retire Sooner Podcast Podcast covering the habits, money, and meaning behind a happy retirement, hosted by Wes Moss. Free educational content published on yourwealth.com and major podcast platforms.

Quantifiable outcome

• Serves 6,100+ families with $9B in assets under management
• +1 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• DLP CapitalminorOthers · 14 April 2026DLP Capital appointed former CIA Chief Marketing Officer Holly Wasson as their Managing Director of Marketing, Communications and Events. Wasson brought nearly three decades of marketing experience from financial services, media, and technology sectors, overseeing brand strategy, communications and investor engagement efforts.
• Financial Planning Association (FPA)coreStrategic or Co-development Partner · 1 January 2026Capital Investment Advisors partnered with the Financial Planning Association to launch 'FPAi Authority' in January 2026. This AI education and resource platform provides FPA members with curated content including AI product demos, videos, blog posts, and access to discounted AI-based tools from fintech companies. Managing Partner Matt Reiner serves as a featured speaker at all FPA national conferences throughout 2026.
• FutureProof AdvisorcoreStrategic or Co-development Partner · 1 January 2026Co-development partner with Capital Investment Advisors in the FPAi Authority initiative alongside the Financial Planning Association. The partnership aims to promote AI tools and content for financial advisors.

Scale indicators6 records

Recent moves10 records

Expansion highlights5 records

Broad incumbents

• Creative Planning: Creative Planning is a large fee-only RIA serving individuals and families with comprehensive wealth management, similar to CIA. Both operate as fiduciary, fee-only firms offering integrated financial planning, investment management, and tax services to households. Creative Planning is significantly larger and nationally scaled, making it a broad incumbent comparable.
• Mariner Wealth Advisors: Mariner Wealth Advisors is a national RIA providing comprehensive wealth management to high-net-worth individuals and families. Like CIA, it focuses on integrated financial planning, retirement income, and estate services for households. Mariner's larger scale and acquisition-led growth model make it a broad incumbent comparable.
• Edelman Financial Engines: Edelman Financial Engines is one of the largest independent RIAs in the U.S., serving individuals with retirement and investment planning. Like CIA, it focuses on retirement income planning and integrated financial advice for households, though at significantly larger scale and with hybrid digital/advisor delivery.
• Fisher Investments: Fisher Investments is a large RIA primarily serving high-net-worth individuals with portfolio management. While CIA is more comprehensive-financial-planning oriented, both are fee-based investment advisors targeting households with significant investable assets. Fisher is a broad incumbent with national brand recognition.

Direct peers

• Carson Group: Carson Group is a partner-owned wealth management firm supporting financial advisors with technology, coaching, and back-office services. Like CIA, it serves individual families through advisor-led relationships and emphasizes the partner ownership model. Carson Group's hybrid partnership/coaching model and similar client focus make it a direct peer.
• Savant Wealth Management: Savant Wealth Management is a fee-only RIA providing comprehensive wealth management to individuals and families. Both firms emphasize integrated planning, retirement income strategy, and fiduciary advice for households across multiple U.S. offices. Similar size, fee-only model, and integrated service offering make it a direct peer.
• Sequoia Financial Group: Sequoia Financial Group is a fee-only, fiduciary wealth management firm serving high-net-worth individuals and families with comprehensive planning, similar to CIA. Both firms emphasize integrated financial planning, retirement income strategy, and partner-owned advisor models at comparable scale.
• Moneta Group: Moneta Group is a fee-only RIA serving high-net-worth individuals and families with comprehensive financial planning and investment management. Like CIA, it operates on a partner ownership model, emphasizes retirement income planning, and serves clients through multiple U.S. offices. Similar size and integrated service model make it a direct peer.

Emerging players

• Commonwealth Financial Network: Commonwealth Financial Network is a hybrid RIA/broker-dealer supporting independent financial advisors with practice management and technology. While Commonwealth uses a different delivery model, it overlaps with CIA in serving individual households seeking comprehensive wealth management through advisor-led relationships.
• Wes Moss (personal brand - via books/podcast): While not a separate firm, the Retire Sooner brand and Wes Moss's books/podcasts create an adjacent media entity that overlaps with CIA's marketing and content positioning. Comparable in that it operates in the retirement education/content space targeting the same client persona as CIA, though without the advisory services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/yourwealth
• Facebookfacebook.com/capitalinvestmentadvisors

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Capital Investment Advisors