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Capital Investment Advisors

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Client assets under management

$283,671,417

Clients

417

19% high-net worth

Advisors

6

of 11 employees

Firm type

Team

4-10 advisors or $500M+ in AUM

Clients per advisor

70

Typical

Average account size

$680,267

About

Capital Investment Advisors works primarily with individuals and high‑net‑worth clients, as well as trusts, foundations, and retirement plans, providing financial consultation, customized financial plans, and asset management services. The five‑advisor team delivers both discretionary portfolio management and access to third‑party multi‑manager programs to support client portfolios.

The firm’s planning work is organized around its Integrated Wealth Management Process (IWMP) and the Integrated Independence Method (I2M), a multi‑stage approach that begins with educational workshops and a fact‑finding session, proceeds through analysis and risk‑matched model recommendations, and culminates in an implementation roadmap and annual review. For investment management CIA typically deploys risk‑targeted model portfolios via third‑party platforms (e.g., AssetMark, CAAP, Orion, Brinker) or manages accounts directly, and segments ongoing review using age and net‑worth review tracks (Energizer/Optimizer/Maximizer).

What distinguishes the firm from many peers is its explicit integration of ongoing education and workshops through the Institute for Financial Independence and its affiliation with a parent company, Capital Asset Management Group, which provides tax preparation and bookkeeping services to clients (use of those services is optional). The brochure also emphasizes coordinated implementation options — including advisors’ access to brokerage and insurance channels and multiple third‑party platform relationships — coupled with life‑stage planning tiers, a combination that is less common among similarly sized advisory teams.

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Tax-loss harvesting Retirement income strategy Cash flow / budgeting

Occupation focus

Retired

Demographic focus

Approaching retirement Young Professionals

Fee options

Fixed

Standalone financial planning fees between $500 and $5,000 depending on complexity; some fixed fees for unique consultation services

Percentage

$0 - $250,000: highest fee tier applying to first $250,000 (exact percentage not stated, but Third-Party Multi-Manager Program fees generally decline by asset tiers) $250,000 - $500,000: reduced charge for next $250,000 $500,000+: lowest charge applicable to all assets above $500,000

Commissions

Commissionable products such as securities and insurance may be recommended; commissions earned may offset planning fees; clients are not obligated to purchase

Project-based

Unique consultation and analysis services may be charged hourly: $500/hr for firm principal, $350/hr for manager, $200/hr for senior associate, $150/hr for associate

Other

Account minimum: No net-worth minimum required for Independence Energizer clients; $500,000 net-worth minimum for Independence Optimizer clients; $1,000,000 net-worth minimum for Independence Maximizer clients Minimum fee: Independence Accelerator initial plan and review fees minimum $500; Independence Energizer review minimum $500; Integrated Independence Wealth Management minimum combined fee $10,000 for AUM over $1,000,000 Fee-only: Financial consultation and planning fees range from $500 to $5,000 for standalone planning; annual review services fees range from $500 to $25,000 depending on program level; asset management fees from 1.25% to negotiable (including tiered rates for third-party multi-manager programs)

Main office location

Capital Investment Advisors

1000 Potomac Street N.W., Suite 300

Washington D.C. DC 20007, United States

Number of offices

2

Most active in

California · Delaware · District of Columbia · Florida · Louisiana · Maryland · New Hampshire · New York · Pennsylvania · Texas · Virginia

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Advisors at this firm

user avatar

John G

Series 63, Series 65

Washington D.C., DC

Capital Investment Advisors

John Girouard is a financial advisor with Capital Investment Advisors, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has worked at multiple affiliated firms, including Capital Asset Management Group and Capital Benefit Planning Group, where he serves in leadership roles. Girouard is also involved as a contributing author for Forbes.com and serves on the boards of Georgetown Heritage and Lincoln's Cottage. Capital Investment Advisors is a five-advisor team that serves individuals, high-net-worth clients, trusts, foundations, and retirement plans. The firm offers customized financial plans and asset management through discretionary portfolio management and third-party multi-manager programs, integrating ongoing education and workshops via the Institute for Financial Independence.

Tax-loss harvesting Retirement income strategy Cash flow / budgeting Retired Approaching retirement Young Professionals
user avatar

Marjorie O

Series 63, Series 65

Easton, MD

Capital Investment Advisors

Marjorie Opalski is a financial advisor at Capital Investment Advisors with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Capital Investment Advisors since 2016, previously working at Cetera Advisors LLC from 2013 to 2016. Outside of her advisory role, she is also an independent insurance agent. Capital Investment Advisors serves individuals, high-net-worth clients, trusts, foundations, and retirement plans by providing financial consultation, customized planning, and asset management. The firm employs a multi-stage planning approach that includes educational workshops and uses risk-targeted model portfolios and direct account management to support client goals.

Tax-loss harvesting Retirement income strategy Cash flow / budgeting Retired Approaching retirement Young Professionals
user avatar

Patrick J

Series 66

Washington D.C., DC

Capital Investment Advisors

Patrick Johnson is a financial advisor at Capital Investment Advisors in Washington, D.C., holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Cambridge Investment Research, Capital Asset Management Group, MB Advisors, and Salisbury University. Capital Investment Advisors serves individuals, high-net-worth clients, trusts, foundations, and retirement plans, offering financial consultation, customized planning, and asset management. The firm employs an integrated wealth management process that combines educational workshops with risk-targeted portfolio management through both direct management and third-party platforms.

Tax-loss harvesting Retirement income strategy Cash flow / budgeting Retired Approaching retirement Young Professionals
user avatar

Michael O

Series 66

Washington D.C., DC

Capital Investment Advisors

Michael Opalski is a financial advisor at Capital Investment Advisors with six years of industry experience and holds the Series 66 designation. Prior to joining Capital Investment Advisors, he was involved with City Bonfires LLC, Egg'n LLC, and Back Home Products for five years. Capital Investment Advisors serves individuals, high-net-worth clients, trusts, foundations, and retirement plans by providing financial consultation, customized financial plans, and asset management services. The firm employs a multi-stage planning process and integrates ongoing education and workshops, offering both discretionary portfolio management and access to third-party multi-manager programs.

Tax-loss harvesting Retirement income strategy Cash flow / budgeting Retired Approaching retirement Young Professionals
user avatar

Robert B

Series 66

Washington D.C., DC

Capital Investment Advisors

Robert Brinkman is a financial advisor at Capital Investment Advisors in Washington, D.C., holding a Series 66 designation with 11 years of industry experience. He has worked with Capital Investment Advisors since 2017 and has prior experience at Cambridge Investment Research and Capital Asset Management Group. Brinkman is involved in financial planning and investment advisory services. Capital Investment Advisors serves individuals, high-net-worth clients, trusts, foundations, and retirement plans by providing customized financial plans, asset management, and discretionary portfolio management. The firm emphasizes an integrated wealth management process that includes educational workshops and utilizes risk-targeted model portfolios alongside direct account management.

Tax-loss harvesting Retirement income strategy Cash flow / budgeting Retired Approaching retirement Young Professionals
user avatar

Dionne T

Series 66

Washington D.C., DC

Capital Investment Advisors

Dionne Thompson is a financial advisor at Capital Investment Advisors with 22 years of industry experience. She holds a Series 66 designation and has worked at several firms, including Financial Engines Advisors L.L.C., EF Legacy Securities, Edelman Financial Services, and Sanders Morris Harris Inc. Since 2022, she has been part of the five-advisor team at Capital Investment Advisors based in Washington, D.C. Capital Investment Advisors serves individuals, high-net-worth clients, trusts, foundations, and retirement plans by providing financial consultation, customized planning, and asset management services. The firm employs a multi-stage Integrated Wealth Management Process and offers both discretionary portfolio management and access to third-party multi-manager programs.

Tax-loss harvesting Retirement income strategy Cash flow / budgeting Retired Approaching retirement Young Professionals
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