J. Andy Ingram AIF, QPFC, CPFA - Capital Investment Company Of Virginia

04/09/2026

401k isn’t a scam. There are good options out there 👀

03/31/2026

Busy schedules make it easy to put financial planning on the back burner, but it doesn’t have to stay that way. Whether you’re managing a demanding career, balancing family responsibilities, or navigating a complex financial picture, having the right guidance can make all the difference.

Working with a trusted local advisor means you don’t have to figure everything out on your own. From organizing investments and planning for retirement to making sense of competing financial priorities, professional guidance helps bring clarity and structure to your decisions, without adding to your workload.

Financial planning isn’t about one-size-fits-all advice. It’s about creating a strategy that reflects your goals, your lifestyle, and the realities of where you live and work.

If you’ve been putting it off, now is a great time to start the conversation. Let’s build a plan that works for you today and in the future.

03/26/2026

Michael Dell just pledged $6.25 BILLION to fund investment accounts for kids.

And every parent needs to understand what's actually happening here.

These are called Trump Accounts. They were created by federal law as part of the One Big Beautiful Bill Act. Here's how they work:

• Every child born between 2025 and 2028 gets a $1,000 seed deposit from the U.S. Treasury, invested in low-cost U.S. stock index funds from day one
• Families can add up to $5,000 per year starting July 2026, with no earned income requirement
• The account is tax-deferred and locks until age 18
• At 18 it converts to a traditional IRA the child controls
• Funds can be used for college, a home, or retirement savings

Now here's where it gets interesting.

A child who receives the $1,000 deposit plus maximum annual contributions could end up with more than $191,000 by the time they turn 18.

With maximum contributions and strong returns, the account could be worth more than $300,000 at 18 and potentially over $1 million by age 28.

To be fair, those projections assume consistent contributions AND solid market returns over 18 years. Real life is messier than that. Some financial advisors note these figures reflect best-case outcomes, not guarantees.

But even the conservative scenario matters. With no additional contributions at all, the $1,000 seed deposit alone could grow to around $5,800 by age 18 based on medium return projections.

Free money that compounds for 18 years is still free money.

Dell's $6.25 billion commitment funds $250 deposits for 25 million kids age 10 and under in zip codes with average household income under $150,000. Uber, Mastercard, BlackRock, and Visa have also committed to participate.

To claim the $1,000 seed deposit, file IRS Form 4547 with your 2025 tax return or register at trumpaccounts.gov. Accounts go live July 5, 2026.

This is the kind of head start most of us never got. Don't let the paperwork be the reason your kid misses it.

02/23/2026

403(b), Pension, or Both? FAQs From Hospital Employees in Roanoke

If you work for a hospital system in the Roanoke area, your retirement benefits can look quite different from what your friends in the private sector are used to. Here are some of the questions that come up most often:

Do I have to choose between my pension and my 403(b)?

How much should I be contributing to my 403(b)?

I have a pension. Do I still need to save on my own?

These are all valid questions, but they're difficult to address without understanding your full financial picture. Retirement planning for hospital employees involves a number of moving parts that interact differently depending on your income, timeline, and goals. Rather than relying on general rules of thumb, these are conversations best had with a qualified financial advisor who understands the benefits landscape for healthcare professionals in your area. Schedule a complimentary consultation below.

https://calendly.com/jandyingram

01/24/2026

Confidence Through Clarity: Investment Management That Works for You

01/20/2026

Fresh Cover. Content and Service Polish. CapCoVa v2.0!

Retirement Plans. Wealth Management. Lifestyle Planning.

12/23/2025

December Financial Planning Considerations for Healthcare Workers

For the 15,000 healthcare professionals working at Roanoke's local hospital and clinics, December can feel like a whirlwind. Between patient care and the holidays, your own financial planning might take a back seat. But this time of year presents some important opportunities worth exploring.

Here are some areas you might want to consider before December 31st:

Your Benefits Package: Healthcare employers often offer comprehensive benefits like retirement plans, health savings options, and insurance coverage. Have you reviewed your current elections to ensure they still align with your needs?

Retirement Contributions: If you participate in a 403(b), 401(k), or other retirement plan, December is your last chance to adjust contributions for the current year. Understanding where you stand can help inform your planning.

Your Work Schedule and Income: Many healthcare professionals experience variable schedules, shift differentials, or overtime opportunities. Looking at your income patterns may help you plan more effectively for the year ahead.

Tax Planning Considerations: Healthcare workers often have unique tax situations. Year-end is a natural time to review your withholdings and consider whether any adjustments might be worth exploring.

Many healthcare professionals find value in working with experienced professionals. Schedule a free consultation with us to have a more detailed and personal conversation.

11/17/2025

Transitioning from Resident to Attending Physician

The income increase is significant. So are the financial decisions that come with it.
If you're a Roanoke physician completing residency, you're likely considering several important questions:

→ Should you prioritize student loan repayment or retirement savings?
→ Is now the right time to purchase a home?
→ How much disability and life insurance coverage is appropriate?
→ What should you do with retirement accounts from residency?
→ How do you manage the tax implications of your increased income?

These decisions don't have universal answers, and the choices you make in your first few years as an attending can have long-term implications.

Medical training prepares you exceptionally well for clinical practice. However, managing a substantial income increase, coordinating multiple financial priorities, and understanding the tax considerations of your new compensation structure require a different expertise.

Many new attending physicians find themselves either overly conservative with financial decisions or making moves without fully understanding the trade-offs involved.

Working with a financial advisor who understands physician finances can help you evaluate which financial priorities to address first, understand different strategies, make informed decisions aligned with your personal goals, and navigate this transition with greater confidence.

Schedule a free consultation with us today: https://calendly.com/jandyingram

10/31/2025

10/03/2025

Healthcare professionals in Roanoke: When's the last time you reviewed your retirement account?

Between demanding shifts and patient care, your own financial planning can easily take a back seat. Understanding your 403(b), 401(k), or other employer retirement benefits is an important part of preparing for your future.

We're offering complimentary consultations for Roanoke area healthcare employees to discuss your retirement planning questions.

www.CapCoVa.co

08/06/2025

Working in hospitals and clinics means managing complex financial decisions alongside patient care.

Recent graduates in the healthcare world often wonder: "Should I prioritize student loan payments or start contributing to my 403(b)?" Mid-career professionals might ask: "How do I balance maximizing my employer match while building emergency savings?" Those nearing retirement consider: "Should I roll over my old 401(k) from my previous hospital job?"

Healthcare workers also navigate unique benefits like:

- 403(b) vs 401(k) retirement plans
- HSA contribution strategies for high-deductible health plans
- Student loan forgiveness program implications
- Shift differential income tax planning
- Professional liability insurance considerations
- Continuing education expense management

Whether you're a new RN with nursing school debt, a physician assistant planning for partnership buy-ins, or a department head considering early retirement options, these financial puzzles deserve personalized attention.

Ready to untangle your specific situation? Schedule a free consultation and let's discuss strategies that might align with your healthcare career path.
https://calendly.com/jandyingram