Jay Capps - Financial Advisor

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Jay Capps - Financial Advisor To inspire others to achieve financial security…and live the life they want He is a Texas A&M Aggie through and through since birth.

As a Financial Advisor with MassMutual, Jay and his team focus on working with high-net-worth families and business owners to help them achieve financial security and position their assets to live the life they want. Through individualized planning, his team helps to avoid any potential pitfalls of a long-term financial plan while assisting in the efficient achievement of the goals of that plan. Jay and his team are focused on taking your financial dreams from being a possibility to as much of a certainty as possible. Before his career in financial services started, Jay served his community as a math teacher and basketball coach. He taught middle school and high school math classes from subjects as simple as Algebra to as high level and complicated as Calculus. He exceeds in taking more complicated topics and breaking them down into digestible pieces of information and bringing them together as part of a bigger picture and plan. He coached several different basketball teams over a period of 12 years starting his first year out of high school. He has had the privilege of coaching a wide range of young athletes from middle school girls to as high level as semi-pro men and even achieving a National Championship with his Texas A&M Corps of Cadets Club Basketball team at the Fighting Irish Invitational in 2017. Jay has taken his skills from teaching and coaching and applied them directly to his work as a Financial Advisor over the last 7 years. He seeks to educate and help his clients fully understand their plan moving forward for many years to come. Jay enjoys spending quality time with friends and family, watching sports, hiking, playing golf, and having a good game night with friends. Most Saturdays are spent watching Aggie football or basketball. He remains involved with Texas A&M and alumni as much as possible and is part of the Las Vegas Aggies alumni group.

Would I Stake My License on This?"Don’t put all your eggs in one basket"...Staking my license on this one, completely. I...
09/01/2026

Would I Stake My License on This?

"Don’t put all your eggs in one basket"...

Staking my license on this one, completely. It’s the old school version of diversification, and it’s held up for a reason.

The number of people I’ve seen with their entire net worth in one company’s stock, usually their employer’s, tells me this saying still needs to be said out loud."

Financial Advisor Tip of the Day: You're probably underestimating your biggest retirement expense.Healthcare. Medicare d...
09/01/2026

Financial Advisor Tip of the Day:

You're probably underestimating your biggest retirement expense.

Healthcare. Medicare doesn't cover everything, premiums aren't free, and long-term care generally isn't covered at all. If your retirement number doesn't have a real line item for healthcare and its not an afterthought, that number is wrong. Fix it now, not at 68.

NEW SERIES! Going to start a new series of posts addressing some common phrases and misconceptions such as yesterday's "...
09/01/2026

NEW SERIES!

Going to start a new series of posts addressing some common phrases and misconceptions such as yesterday's "Marry the house, date the rate" post.

This will be in conjunction with the normal daily posts but should help give some more insights on principles we have all been told at one point or another. There are many catchy sayings that are just full of bad advice and this is going to aim at clearing some of those common inaccuracies.

Hope it is helpful and you get something out of it. Feel free to DM if you have questions or disagree with any future posts.

Financial Advisor Tip of the Day: "Marry the house, date the rate"...I'm sure you've heard this from someone before. Ple...
08/31/2026

Financial Advisor Tip of the Day:

"Marry the house, date the rate"...I'm sure you've heard this from someone before.

Please do NOT follow this line of thinking. Purchase your home based on what you can afford NOW and not based on what MIGHT happen in the future.

"You can always refinance."...do me a favor and look up two things: mortgage interest rates in the 80s and the phrase recency bias.

I've got some good friends that are realtors and I care for them but please don't treat them like your financial advisor.

Turning 18 is a big milestone. It also brings important changes many families don’t realize — like parents losing access...
08/27/2026

Turning 18 is a big milestone. It also brings important changes many families don’t realize — like parents losing access to medical and financial information. This article walks through a few important forms to consider and why they matter. And if you’d like help taking the next step, I can connect you with trusted legal professionals in our community.

https://bit.ly/4iyOp9X

Financial Advisor Tip of the Day: Most 'money problems' aren't money problems. They're timing problems.The same dollar a...
08/27/2026

Financial Advisor Tip of the Day:

Most 'money problems' aren't money problems. They're timing problems.

The same dollar amount handled proactively (a plan, a cushion, options) versus reactively (debt, urgency, fewer choices) leads to completely different outcomes. It's rarely about how much money someone has. It's about when the thinking and actions happened.

Financial Advisor Tip of the Day: Insurance is proactive thinking in its purest form.You buy it hoping to never need it....
08/26/2026

Financial Advisor Tip of the Day:

Insurance is proactive thinking in its purest form.

You buy it hoping to never need it. The entire value is having it ready before the moment it matters. Waiting until after something happens to “look into insurance” isn't a plan. It's a hope. Hope isn't a strategy.

I've seen this far too many times. Please be proactive about your planning in all aspects.

Financial Advisor Tip of the Day: Don't assume your disability coverage is 'handled.' Go check.The higher your income, t...
08/24/2026

Financial Advisor Tip of the Day:

Don't assume your disability coverage is 'handled.' Go check.

The higher your income, the more there is to protect if you can't work and disability insurance is one of the most overlooked pieces of a high earner's plan. Employer coverage is a start, but it often replaces well under your full income. Check what yours would actually pay out.

Don't get fooled by before tax and after tax amounts. Employer estimated benefits often include before-tax and before deduction numbers. Its often much less than estimated.

Financial Advisor Tip of the Day: Consistency is not being perfect everyday. You'll be sorely disappointed if that is yo...
08/22/2026

Financial Advisor Tip of the Day:

Consistency is not being perfect everyday. You'll be sorely disappointed if that is your standard.

Days off here and there are necessary. It's about getting back to it and not allowing yourself to slip further and further into inaction if you do miss a day. Just get back to it.

Financial Advisor Tip of the Day: RSUs feel like a bonus. The IRS doesn't see it that way.They trigger taxes the moment ...
08/20/2026

Financial Advisor Tip of the Day:

RSUs feel like a bonus. The IRS doesn't see it that way.

They trigger taxes the moment they vest, whether you sell or not. Withholding is usually a flat rate that doesn't match your real bracket — that's why the tax bill surprises people. Equity comp needs its own planning line. Not an afterthought.

Address

1700 South Pavillion Center Drive Suite 320
Las Vegas, NV
89135

Telephone

+19795870497

Website

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