Capital Investment Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client AUMClient assets under management
$356,397,822
Clients
428
Advisors
6
across 2 offices
About
Capital Investment Advisors, Inc. is an SEC‑registered advisory firm with a six‑advisor team managing roughly $374 million for several hundred clients, including individuals (both non‑HNW and high‑net‑worth), trusts, pension/profit‑sharing plans and nonprofit entities. The firm provides individualized financial planning, ongoing consultation and portfolio management, and incorporates proprietary educational programming and workshops into its client onboarding and planning process.
The firm’s planning process is offered in three service tiers (Early, Mid and Established Career) and begins with an introductory workshop and goal‑driver conversations designed to clarify objectives, cash‑flow needs and estate transfer considerations. For investment implementation CIA commonly recommends and supervises third‑party multi‑manager programs or provides discretionary management of model portfolios that correspond to different risk profiles.
Noteworthy operational features include an affiliation with its parent that can provide tax preparation and bookkeeping services and an affiliated insurance agency, plus a broker‑dealer relationship through Cambridge Investment Research — arrangements that provide multiple implementation channels for recommendations. The firm also acts as a solicitor for some third‑party managers and emphasizes client education through workshops and a learning center, practices that are less common among peer team firms.
Client services
Expertise
Occupation focus
Fee options
Fixed fees for specific limited consultation or analysis services, negotiable depending on scope
$0+: Maximum 1.25% plus third-party program fees for asset management (tiered fees negotiable) $1,000,000+: Minimum combined (planning plus investment management) fee $10,000 for Established Career clients; fees over $5,000,000 negotiable
Insurance and securities commissions earned separately when clients implement recommendations through affiliated broker-dealer or insurance agents
CIA principal $500/hr, manager $350/hr, senior associate $200/hr, associate $150/hr
Annual review fees ranging from $500 to $10,000 depending on service level, payable upfront, monthly, or quarterly
Minimum fee: Minimum combined fee of $10,000 for Established Career clients with AUM over $1,000,000 Fee-only: Financial planning fees range from $500 to $25,000 depending on service level and complexity; standalone planning $500 - $5,000; hourly fees from $150 to $500/hour
Main office
See office1028 33rd Street NW, Ste 220
Washington D.C. DC 20007
Advisors at this office
5
Offices (2)
Most active in
California · Delaware · District of Columbia · Florida · Louisiana · Maryland · New Hampshire · New York · Pennsylvania · Texas · Virginia
Also doing business as
Capital Asset Management Group, Inc. · Capital Financial Planning Group, Inc. · Capital Investment Advisors · Capital Investment Advisors, Inc. · Fortress Financial · Innovative Investing · Institute For Financial Independence
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Quick links
Advisors at this firm
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 licenses and bringing 43 years of industry experience. He has worked at Capital Investment Advisors since 2000 and has a long career history with several related financial firms dating back to 1983. Outside of advising, Girouard contributes as a columnist and serves on the boards of Georgetown Heritage and Lincoln’s Cottage. Capital Investment Advisors is an SEC-registered advisory firm with a six-advisor team managing approximately $374 million for a diverse client base, including individuals, trusts, pension plans, and nonprofits. The firm offers tiered financial planning services combined with educational programming and employs multi-manager programs and discretionary model portfolios aligned with varying risk profiles.
Marjorie O
Series 63, Series 65
Easton, MD
Capital Investment Advisors
Marjorie Opalski is a financial advisor with Capital Investment Advisors in Easton, MD, holding Series 63 and Series 65 licenses and 29 years of industry experience. She has worked with Capital Investment Advisors since 2016 and previously held roles at Cambridge Investment Research, Cetera Advisors, and Voya Financial Partners. Outside of her advisory work, she is an independent insurance agent with Innovative Investing. Capital Investment Advisors is an SEC-registered firm with a six-advisor team managing approximately $374 million for a diverse client base that includes individuals, trusts, pension plans, and nonprofit entities. The firm provides individualized financial planning, consultation, and portfolio management, complemented by proprietary educational workshops and a tiered planning process tailored to clients’ career stages and risk profiles.
Patrick J
Series 66
Washington D.C., DC
Capital Investment Advisors
Patrick Johnson is a financial advisor with Capital Investment Advisors and holds a Series 66 designation. He has seven years of industry experience and has previously worked with Cambridge Investment Research, Capital Asset Management Group, MB Advisors, and Salisbury University. Capital Investment Advisors is a six-advisor SEC-registered firm managing approximately $374 million for individual clients, trusts, pension and profit-sharing plans, and nonprofit entities. The firm offers individualized financial planning and portfolio management, supplemented by proprietary educational programs and workshops tailored to different career stages.
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. He holds a Series 66 designation and has worked with firms including Cambridge Investment Research and Voya Financial Advisors. Outside of his advisory roles, he has been involved with several entrepreneurial ventures such as City Bonfires LLC and Egg'n LLC. Capital Investment Advisors is a team of six advisors managing approximately $374 million for a diverse client base that includes individuals, trusts, pension plans, and nonprofit entities. The firm offers a tiered financial planning process, educational workshops, and manages portfolios through third-party multi-manager programs or discretionary model portfolios tailored to different risk profiles.
Robert B
Series 66
Washington D.C., DC
Capital Investment Advisors
Robert Brinkman is a financial advisor at Capital Investment Advisors with 12 years of industry experience. He holds a Series 66 designation and has worked at Capital Investment Advisors since 2017 and Cambridge Investment Research since 2014. Brinkman is also associated with Capital Asset Management Group. Capital Investment Advisors is a six-advisor team managing approximately $374 million for individuals, trusts, pension and profit-sharing plans, and nonprofit entities. The firm offers individualized financial planning, portfolio management, and educational workshops, utilizing multi-manager programs and discretionary model portfolios to implement investment strategies.
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 and holds a Series 66 designation. She has worked at several firms, including Financial Engines Advisors L.L.C., Edelman Financial Services, and Facet Wealth. Thompson currently operates within a six-advisor team based in Washington, D.C. Capital Investment Advisors manages approximately $374 million for a diverse client base that includes individuals, trusts, pension plans, and nonprofit entities. The firm offers individualized financial planning, ongoing consultation, and portfolio management, incorporating educational programming and workshops into its client onboarding and planning process.
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