Capital Investment Services, LLC

Capital Investment Services, LLC provides personalized, fee-only financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations and small businesses. The firm’s services include cash-flow and tax planning, retirement and estate planning, education funding, and portfolio management, and it does not accept commissions or act as a custodian.

The firm follows a core-and-satellite strategic asset allocation, using passive index and ETF “core” holdings with selectively added active funds, and generally invests through no-load or low-load mutual funds, ETFs and other public securities. Clients retain final investment decisions and the firm reports that portfolios are managed primarily on a non-discretionary basis—placing trades under a limited power of attorney while stating it does not accept full discretionary trading authority.

Notable differences from many peers include the firm’s explicit affiliation with a related accounting firm (Vine Dahlen PLLC) and principals who also provide CPA services there, and the availability of tax-preparation work under a separate agreement rather than bundled into its advisory retainer. As reported in the brochure, the firm managed roughly $69 million for about 37 clients as of December 31, 2023, with nearly all of that reported as non-discretionary—an arrangement that is less common among supported firms.