Capital Investment Advisors

06/02/2026

We're excited to share that our Chief Investment Strategist, Wes Moss, has a new book coming out, and pre-orders are officially open! Pre-order your copy today at any of these major retailers: Amazon · Barnes & Noble · Books-A-Million · Walmart · IndieBound

It's official, my new book, The Retire Sooner Method, is on the way! 🎉

For years, I've been helping people answer one of the biggest questions in personal finance: "Am I on track to retire?" This book shares what I've learned helping thousands of families build financial confidence and create a retirement that's not just earlier but happier.

Pre-orders are open now, and if you reserve your copy early, you'll unlock a free bonus vault:

✅ A live virtual masterclass with me on September 1st
✅ A companion workbook
✅ A guided GPS video walkthrough
✅ A personally signed bookplate (first 1,000 only!)

Head to https://retiresoonermethod.com/ for more information on the book and to claim your bonuses.

I truly appreciate everyone who has supported my work over the years, and I can't wait to get this book into your hands! 📖

Educational content only. Not investment, legal, or tax advice. No investment strategy can guarantee success, and individual results will vary.

06/01/2026

A common question in retirement planning is how to help adult children with a home down payment when most savings are in 401(k)s or other retirement accounts.

The key issue is simple: withdrawals from traditional retirement accounts are generally taxed as ordinary income. That means money is generally subject to ordinary income taxes before it can be gifted.

Why 401(k)s and Retirement Accounts Create Taxable Withdrawals Used for Gifting:
When investments are held primarily in pre-tax retirement plans, any withdrawal used for gifting is usually treated as taxable income to the account owner. In contrast, families with investments in taxable brokerage accounts or other after-tax assets may have additional options, such as gifting cash or appreciated assets directly. Retirement accounts usually offer fewer opportunities for tax-efficient gifting strategies.

We explore this topic in more depth at the link below.

A common question in retirement planning is how to help adult children with a home down payment when most savings are in 401(k)s or other retirement accounts.

05/21/2026

Roth conversions have become one of the most discussed retirement planning strategies in recent years.

And it’s easy to understand why.

The potential for tax-free growth and qualified tax-free withdrawals in retirement can make Roth IRAs appealing for some investors. However, a Roth conversion is not a one-size-fits-all strategy.

Converting assets from a traditional IRA to a Roth IRA generally creates taxable income in the year of conversion, which may affect your tax bracket, Medicare premiums, and overall cash flow needs.

In this article, Senior Investment Advisor James Lewis outlines several key considerations investors may want to evaluate before deciding whether a Roth conversion strategy aligns with their long-term goals.

Read the full article here: https://hubs.ly/Q04hyykr0

This material is provided for informational purposes only and should not be construed as tax or investment advice. Please consult your financial and tax professionals regarding your individual situation.

A Roth conversion can be a valuable tax strategy, or a very expensive lesson in unintended consequences. There is a lot of Roth conversion FOMO (fear of missing out) out there. Like, if you are not converting retirement assets into a Roth IRA, you are somehow missing the boat.

05/19/2026

In the produce aisle of a grocery store, orange bell peppers and orange habañeros often share adjacent shelf space. With a similar color and shape, a shopper could easily grab the wrong one by mistake.

However, it wouldn’t take long for the unsuspecting consumer to realize what a different experience each nightshade provides. While the bell pepper offers sweetness and crunch, the habañero pops with spice and heat. Both have their place in the kitchen, but few cooks would consider them interchangeable.

The current financial landscape may conjure up similar dynamics.

On the “shelf” sit two professionals with the same broad title: financial advisor. One may be affiliated with a registered investment advisory firm and operate as a fiduciary advisor, legally obligated to act in clients’ ongoing best interests and typically compensated through a transparent asset-based or flat advisory fee. Think of the fiduciary advisor as the bell pepper: straightforward, with compensation generally structured around a transparent advisory fee.

Compare fiduciary advisors and commission-based advisors, including compensation, legal obligations, conflicts of interest, and financial planning roles.

05/14/2026

Some retirement dreams take shape over decades.

For one of our clients, David Scott, his lifelong love of backpacking led to a 100-mile trek through the Alps and an unforgettable journey around Western Europe’s highest mountain: Mont Blanc.

A native Atlantan, David graduated from Georgia Institute of Technology in 1980. In true adventurous spirit, he skipped his graduation ceremony and headed straight to Crested Butte, a historic and renowned outdoor destination in Colorado’s Elk Mountains, to spend the season as a ski-bum.

He returned home to discover a challenging job market, luckily finding a role within the Coca-Cola system. Over the next 26 years, he worked across sales, operations, and supply chain. Like many long careers, his time there eventually intersected with corporate restructuring. But after a stint running his own business, he eventually found a way to reconnect with Coca-Cola through one of its equipment suppliers. He officially retired in 2018.

His love of backpacking began all the way back in Boy Scouts and never faded. Over four decades, he had managed to climb all 58 of Colorado’s “14ers,” peaks rising above 14,000 feet. With no intention of letting retirement slow him down, he decided to pursue a lifelong goal: hiking the entire Appalachian Trail.

With that milestone behind him, it was time for a new adventure. Having never visited Europe, he set his sights on the legendary Tour du Mont Blanc. He mentioned the idea to his girlfriend, Angela, and she was all-in.

Some retirement dreams take shape over decades. For one of our clients, David Scott, his lifelong love of backpacking led to a 100-mile trek through the Alps and an unforgettable journey around Western Europe’s highest mountain: Mont Blanc.

05/13/2026

You’ve probably noticed a surge in Covered Call Income ETFs lately. Here’s why it matters.

The strategy has gone from niche to mainstream, with assets in options-based income strategies growing from roughly $7 billion in 2020 to around $150 billion by 2025, alongside record investor inflows and increasing institutional adoption.

They’re often marketed as a way to generate additional income beyond dividends without selling shares, and who wouldn’t like that? But how do they work, and are they a practical strategy for retirement planning?

What is a Covered Call Income ETF?

A covered call income ETF is a fund that owns a portfolio of stocks and seeks to generate additional income by selling something called a “call option.” A call option is a financial contract that gives another investor the right, but not the obligation, to buy those stocks from the fund at a predetermined price (known as the “strike price”) within a specific time period.

You’ve probably noticed a surge in Covered Call Income ETFs lately. Here’s why it matters. The strategy has gone from niche to mainstream, with assets in options-based income strategies growing from roughly $7 billion in 2020 to around $150 billion by 2025, alongside record investor inflows and ...

05/11/2026

Meet our newest Atlanta team members!

Our team continues to grow with incredible talent across technology, operations, planning, and client services and we couldn’t be more excited.

We’re thrilled to have Joe, Naomi, Chloe, Madi, David, Erica, and Aaron join Capital Investment Advisors. The future is bright!

05/06/2026

As retirement approaches, many households face a question: Is it still worth paying for life insurance?

If the kids are grown and retirement savings are accumulating, folks may begin to wonder whether the money allocated to insurance premiums could go elsewhere—like a 401(k). However, deciding whether to cancel a policy isn’t always straightforward.

In this week's article, we break down some key things to consider before canceling your policy:

As retirement approaches, many households face a question: Is it still worth paying for life insurance? If the kids are grown and retirement savings are accumulating, folks may begin to wonder whether the money allocated to insurance premiums could go elsewhere—like a 401(k). However, deciding whe...

05/04/2026

Most financial plans are built thoughtfully, but even well-designed strategies can become less aligned over time as markets shift, tax rules evolve, and personal goals change.

A second opinion is simply a way to take a fresh, objective look at where things stand today. It’s not about changing everything, but about helping evaluate whether your portfolio is still working in the context of your current goals and the environment we’re in now.

For some, that review provides reassurance. For others, it highlights areas where small adjustments may potentially improve clarity or efficiency.

This content is informational and does not constitute advice.

If you’d like an objective review of your current portfolio, you can schedule a complimentary conversation with our team here: https://hubs.ly/Q04fgL_q0

04/29/2026

Future retirees often wonder when it’s worth moving money into a Roth IRA from some other type of account. After all, Roth IRAs are after-tax money, meaning the funds can eventually be withdrawn tax-free. All things equal, that may sound like an optimal situation, but it often depends on taxes today vs. taxes tomorrow.

Should You Switch to a Roth 401(k) Right Before Retirement?

The decision really comes down to what tax bracket you’re in today versus what you’re likely to face in retirement.

Future retirees often wonder when it’s worth moving money into a Roth IRA from some other type of account. After all, Roth IRAs are after-tax money, meaning the funds can eventually be withdrawn tax-free. All things equal, that may sound like an optimal situation, but it often depends on taxes tod...