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Capital Investment Advisors

Updated today

Client assets under management

$283,671,417

Clients

417

19% high-net-worth

Advisors

6

of 11 employees

Firm type

Team

5-30 advisors or >$500M in AUM

Clients per advisor

70

High

Average account size

$680,267

About

Capital Investment Advisors works with a broad mix of clients — individuals (including high-net-worth), pension and profit-sharing plans, trusts, estates, and nonprofit organizations — providing financial planning, consultation, and asset management services. The firm offers tiered planning programs (Early Career, Mid Career, Established Career) and may implement investment advice through third-party multi-manager programs or discretionary portfolio management.

The firm’s process emphasizes client education and a structured three-stage planning approach that begins with an introductory workshop and proprietary learning-center materials to help clients articulate goals and identify financial inefficiencies. For portfolio implementation CIA commonly uses third-party platforms (for example CAAP, AssetMark, Orion) and builds risk-matched model portfolios while addressing tax and estate planning in higher-tier engagements.

What is less common for peers is CIA’s affiliation with its parent, Capital Asset Management Group, which provides tax preparation and bookkeeping services to clients through the parent entity, and the firm’s routine use of educational seminars/workshops as the initial client exposure. The brochure also discloses that representatives hold broker-dealer and insurance appointments (Cambridge Investment Research and various insurers) and that the firm may offer fee offsets tied to brokerage or insurance commissions.

Client services

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

Expertise

General retirement planning Income planning General tax planning Business exit / sale strategy

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Fee options

Fixed

Fixed fees for specific financial planning engagements typically between $500 and $5,000, depending on complexity.

Percentage

$0 - $250,000: 1.25% $250,000 - $500,000: Negotiable or declining scale $500,000 - $1,000,000: Negotiable or declining scale $1,000,000+: Negotiable, minimum combined fee of $10,000 for AUM over $1,000,000

Commissions

Commissions may be earned through implementation of recommendations involving securities or insurance products; in some cases, these commissions can offset fees by up to 50% for initial planning fees or annual review fees (for transactions generating commissions over $10,000).

Project-based

Hourly consultation rates: $500/hr (firm principal), $350/hr (firm manager), $200/hr (senior associate), $150/hr (associate).

Subscriptions

Annual financial planning review services fees range from $500 to $1,750, with options to pay monthly or quarterly; fees may be offset by credits for investment management fees paid or commissions earned.

Other

Minimum fee: $500 minimum fee for initial financial consultation services Fee-only: Financial planning fees range approximately from $500 to $25,000 depending on complexity and planning level; consultation services hourly fees range approximately from $150 to $500 per hour depending on advisor seniority; fixed fees range from $500 to $5,000 for standalone financial plans.

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.

General retirement planning Income planning General tax planning Business exit / sale strategy
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.

General retirement planning Income planning General tax planning Business exit / sale strategy
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.

General retirement planning Income planning General tax planning Business exit / sale strategy
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.

General retirement planning Income planning General tax planning Business exit / sale strategy
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.

General retirement planning Income planning General tax planning Business exit / sale strategy
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.

General retirement planning Income planning General tax planning Business exit / sale strategy
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