Capital Investment Advisors

Think about the last time you bought a birthday card. You were probably in a hurry, maybe even running late for the party you needed the card for. You scanned the racks, noticing that cards now cost more than the gift. But even more than that was the overwhelming bombardment of “over-the-hill” birthday themes: sagging body parts, balding heads, bad jokes about fading attractiveness. If you found it a little depressing, you’re not alone.

Jan Golden decided to do something about it.

Inspired by a greeting card contest called Changing the Narrative, she combined her graphic design, tech, and creativity skills to create a line of age-friendly greeting cards. As she wound down her primary career, she was able to jump in with both feet. Now, Age Friendly Vibes is thriving, and Jan discovered that she absolutely loves doing it.

Ageism can affect anyone, but it’s often directed at older people. As you plan or execute your happy retirement journey, you won’t always be able to control when it rears its ugly head. But you can decide how to react to it. Listen to Jan’s story and be inspired by her mission to put age-positive sentiments into the world, one greeting card at a time. Now, that’s what I call all the hallmarks of happiness.

#25 - Ending Ageism With Friendly Vibes: Jan Golden Think about the last time you bought a birthday card. You were probably in a hurry, maybe even running late for the party you needed the card for. You scanned the racks, noticing that cards now cost more than the gift. But even more than that was the overwhelming bombardment of “over-the-hill” b...

In this episode of Money Matters, hosts Wes Moss and Connor Miller discuss the recent broadening out of the stock market, with smaller companies and a wider range of sectors outperforming the previously dominant large tech companies. Wes and Connor also touch on a variety of other topics, such as the ongoing Olympics and the prizes that medalists are awarded by their home country. Wes and Connor have pulled research on how political events impact market performance over time for investors. They conclude by reiterating the foundational principles of investing.

#31 - The Reawakening of the Stock Market: Shifting Away from Tech Dominance In this episode of Money Matters, hosts Wes Moss and Connor Miller discuss the recent broadening out of the stock …

We can’t control the chaos, but we can control what we do about it. If this market makes you nervous, our team would be happy to go over your portfolio with you.

https://hubs.ly/Q02KgrJh0

In today’s episode, Wes points out that the population of mini-millionaires is growing and that society’s perception of them isn’t always very accurate. Producer Mallory Boggs joins to discuss this latest variant of what authors Thomas Stanley and Bill Danko originally coined, The Millionaire Next Door. They elaborate on five habits that this cohort tends to follow. And Wes points out that although investing is often a critical step to becoming a millionaire, it’s perhaps even more essential in the pursuit of staying a millionaire.

#215 - Revisiting How To Stay A Millionaire, And Other Lessons from The Millionaire Next Door In today’s episode, Wes points out that the population of mini-millionaires is growing and that society’s perception of them isn’t …

Thinking about where to invest today? It's not just about the choice you make, but the strategy behind it. Avoid common cognitive biases and steer clear of herd mentality to make smarter investment decisions.

Discover strategies to avoid recency and confirmation biases, and learn why a balanced approach might be the key to long-term success.

👉 Read more about effective investment strategies and the importance of a diversified portfolio in Wes Moss' latest Forbes article! https://hubs.ly/Q02JLGxH0

Mistakes Investors Might Make When Following The Herd Rebalancing investments can help people focus on maintaining a well-diversified portfolio and may help contribute to a happy retirement

Capital Investment Advisors’ Wealth Analyst Jeff Lloyd joins Wes in the studio. Wes instills the top 10 happy retiree lessons he’s learned from his guests while hosting the Retire Sooner podcast.

#30 - Revisiting 10 Lessons Learned From The Retire Sooner Podcast Capital Investment Advisors’ Wealth Analyst Jeff Lloyd joins Wes in the studio. Wes instills the top 10 happy retiree lessons …

Our clients, the Longs recently celebrated retirement with a 10-day vacation! They beat the heat with a Railroading the Rockies tour that started in Seattle, then ferried to Victoria BC, and Vancouver hopped the Rockie Mountaineer to Kamloops and Jasper, then shuttled to Banff and Calgary before returning to Atlanta.

Please note, the Longs have given us permission to share their photos.

This week, we celebrated an incredible milestone: our team has now grown to 100 dedicated members! This remarkable achievement is a testament to the hard work, dedication, and passion that each of our team members brings to our organization every single day. Here's to reaching new heights together!

In this actionable episode of Retire Sooner, Wes Moss sits down with Erin Eleuterio to explore the importance of physical activity for older adults. Erin shares her unique techniques, like parkour-based fall resiliency training, to help people in their 70s and 80s stay strong and recover from falls. They discuss the benefits of programs such as SilverSneakers, which offers resources for seniors to stay fit. Erin emphasizes the joy and social aspects of movement, rather than just focusing on exercise. She also talks about the growing trend of older adults taking up new activities, like weightlifting and even low-flying trapeze, challenging stereotypes about aging. With practical tips and inspiring stories, this episode highlights how staying active can lead to a healthier, happier retirement.

#214 - Parkour and Pickleball: Tips on Active Aging with Erin Eleuterio In this actionable episode of Retire Sooner, Wes Moss sits down with Erin Eleuterio to explore the importance of physical …

My conversation with Steve Hoffman was deep and engaging, largely due to his eloquence and profound self-reflection.

Steve is a Minnesota tax preparer and a French-loving food & wine writer. His writing has garnered significant recognition, winning multiple awards, including the prestigious 2019 James Beard M.F.K. Fisher Distinguished Writing Award. His work has been featured in Food & Wine, The Washington Post, The Minneapolis Star Tribune, and Artful Living. His first book, A Season for That: Lost and Found in the Other Southern France, was published this year.

Steve doesn’t consider himself retired, but he’s already figured out that even in the present, you can start walking toward your future. He knows who he is, who he wants to be, and where those two things don’t yet line up. I admire his tireless effort to become a better version of himself.

Open a bottle of French wine, cleanse your palette, and get ready to imbibe some happy retirement wisdom from Midwest Francophile Steve Hoffman.

#24 - Uncork Your Bottle of Happiness With Steve Hoffman My conversation with Steve Hoffman was deep and engaging, largely due to his eloquence and profound self-reflection. Steve is a Minnesota tax …

Wes is joined today by Jeff Lloyd, Wealth Management Analyst for Capital Investment Advisors, for a special show on the road in Michigan! They discuss reversion to the mean and then cover the four main types of 401(k) investor allocation “profiles.” Wes then examines confirmation and recency bias and how rebalancing might provide a change. Then, they do a deep dive into the Russell 2000 Index, exploring companies and comparing market caps to those on the S&P 500. Finally, they pull back the curtain on a brand new Taco Bell retirement community opening in San Diego, CA.

#29 - 401(k) Investor Profiles, Bias, Rebalancing, The Russell 2000 Index, and a Taco Bell Retirement Community Wes is joined today by Jeff Lloyd, Wealth Management Analyst for Capital Investment Advisors, for a special show on the …

This week, Forbes contributor Wes Moss tells us why social connections matter in retirement

While financial planning is crucial for retirement, don't overlook the power of social connections. Happy retirees have more close friends than their less happy counterparts.

According to an American Perspectives Survey (APS), nearly half of Americans today report having three or fewer close friends. This is a sharp decline from 1990, when only 27% of Americans reported the same.

💡 Research for "What The Happiest Retirees Know" by Wes Moss reveals that retirees with 3-4 close friends are significantly happier. More connections lead to greater happiness, with those having five close friends being four times more likely to be happy.

🔗 Bottom Line: Social connections are vital for a fulfilling retirement. Invest in friendships and social activities to enjoy a happier, more connected life. 🌟🌍

👉 Read the full article on Forbes to learn more: https://hubs.ly/Q02Hvj4Q0

Friends Boost Happiness For Retirees: What You Need To Know Happy retirees have more social connections than unhappy retirees, and Americans today need reminding of this importance and how to nurture these relationships.

On today’s episode, we ponder the question, “Can money buy happiness?” The answer might surprise listeners, and Wes borrows the words of best-selling author Morgan Housel to help discuss the positive and negative psychological effects money can have on retirees. Wes then uses his own “Bucket System” analogy to explain income investing and how three keys can help folks sleep well at night.

#213 - Revisiting Three Investing Keys to Help Retirees Sleep Well at Night On today’s episode, we ponder the question, “Can money buy happiness?” The answer might surprise listeners, and Wes borrows the …

Capital Investment Advisors Wealth Management Analyst Jeff Lloyd joins Wes on today’s show to wade through the financial issues affecting people in today’s environment. First, they zoom in on the summer’s booming travel industry, including eye-opening Disney statistics. Then they take a bite of some tasty apple data, pour over today’s inflation numbers vs. the past two years, and analyze how disinflation and lower overall inflation might mean the Fed is one step closer to lowering rates. Finally, they remind listeners that no matter where the market sits, history demonstrates perfection attempts are typically riskier than allowing patience and participation to produce results.

#28 - Summer Travel, Disney, Apples, Inflation, Disinflation, and Participation vs. Perfection Capital Investment Advisors Wealth Management Analyst Jeff Lloyd joins Wes on today’s show to wade through the financial issues affecting …

Morgan Housel’s eye-opening book amplified the idea that the intersection of psychology and money is bigger and more bustling than most of us know. Today’s guest, Christine Moriarty, has dedicated her life to finding harmony between the two.

Christine isn’t the typical CERTIFIED FINANCIAL PLANNER™. Despite her finance degree and MBA in Entrepreneurship, she was never even remotely interested in finances. She was always more interested in the people behind them.

Money is just an object. Yet, it has the power to trigger our deepest fears and anxieties. Her mission, as the founder of MoneyPeace, is to help individuals recognize and overcome these emotional barriers, empowering them to achieve peace and prosperity in their financial and personal lives.

She also discusses money and memory and wants to help families plan for the implications the aging process can have on financial situations.

Having worked with thousands of people and shared her insights with publications such as USA Today, Good Housekeeping, Fidelity Focus Magazine, and more, she has often been referred to by her clients as “the cash counselor” or “financial therapist.”

Whether between a husband and wife, a mother and a son, two friends, or even a personal connection with money, relationships can be fraught and complicated. Listening to Christine can help us see the approach needed to improve that dynamic and positively impact our overall quality of life.

#212 - Spending Our Anxieties: The Motivations Of Financial Decision-Making With Christine Moriarty Morgan Housel’s eye-opening book amplified the idea that the intersection of psychology and money is bigger and more bustling than …

As Americans, we tend to believe our jobs define us. Think about that last time you met someone new. What’s the first thing you asked? “So what do you do?” How we make a living is so ingrained in our self-worth recipe that we often neglect the other ingredients.

Jacquie Doucette wants to change all that. She says our jobs don’t define us, and she’s dedicated to helping people remember some of those other ingredients. What did you love before you got locked into your career? Is it possible you might still love those things?

Jacquie says retirement means doing what you want when you want. In other words, she can help show you what you love to do now that you have time to do what you couldn’t do before you did what you did. After all, this is your life. You might as well live it. Let’s go beyond retirement with Jacquie Doucette.

#23 - It's Your Life: Live It! Beyond Retirement with Jacquie Doucette As Americans, we tend to believe our jobs define us. Think about that last time you met someone new. What’s …

In today’s episode, Wes delves into the financial aspects of retirement, focusing on the 4% rule formulated by William Bengen. This rule suggests that retirees who withdraw 4% of their portfolio in the first year and adjust for inflation annually can have a sustainable retirement, provided their portfolio has a 50-75% stock allocation. Wes explores the feasibility of a higher withdrawal rate, specifically 6%, by weighing the pros and cons and estimating success probabilities, aiming to help listeners maximize spending without exhausting their savings.

Later, Dr. Dawn Carr, a renowned sociologist and gerontologist, shares insights on maintaining youthfulness in old age. She emphasizes practical solutions for enhancing social health and cognitive complexity in daily activities. Dr. Carr’s advice includes having close friends, engaging in mentally stimulating activities, and ensuring adequate sleep to prevent cognitive decline. Her approach offers actionable steps to enjoy the aging process and maintain vitality.

#27 - A 6% Withdrawal Rate: Crazy or Possible? / How To Stay Young As We Age with Doctor Dawn Carr In today’s episode, Wes delves into the financial aspects of retirement, focusing on the 4% rule formulated by William Bengen. This rule suggests …

A Surprising Lesson For Your Investments!

Roger Federer played 1,526 singles matches throughout his career and won nearly 80% of them. However, he recently revealed that he only won 54% of the individual points within those matches. To put it another way, one of the greatest tennis players of all time barely won over half the points he played throughout his storied career.

Federer’s “It’s Only A Point” revelation came at his commencement address to Dartmouth’s 2024 graduating class and serves as a helpful reminder to investors: perfection is impossible. The stock market has had plenty of bad days and will have more. No plan, strategy, or magic trick can prevent that reality. The key is overcoming difficult moments and staying on track to plan for a happy retirement.

Roger Federer's Success: A Surprising Lesson For Your Investments Roger Federer won 54% of points, similar to the stock market's 54% up days (1950-2023). His lesson: perfection isn't needed—stay disciplined through market ups and downs.

Happy 4th of July! 🇺🇸

Wishing everyone a day filled with peace and joy as we come together to celebrate independence.

Enjoy the festivities, stay safe, and cherish the moments with loved ones.

Exciting New Episode Alert!

In our latest episode of the Money Matters podcast, we delve into the crucial role of time when it comes to saving for retirement. Join host Wes Moss as he has a fascinating discussion with Edd and Cynthia Staton, retired expats living in Ecuador.

📢 Episode Highlights:
- The Power of Starting Early: Wes explains how starting to save for retirement early can significantly lower the amount needed to save each month. The sooner you start, the better your financial future will be.

- Living Abroad as a Retirement Strategy: Edd and Cynthia Staton share their incredible journey of moving to Ecuador after the 2008 recession disrupted their careers. From automotive and luxury real estate industries to thriving in a low-cost, high-quality lifestyle abroad, they've found a retirement haven.

- Retirement Trifecta: Discover the Staton's concept of the "retirement trifecta" which helps retirees lower living costs, improve their standard of living, and grow their nest egg in beautiful, affordable locations like Ecuador, Costa Rica, and Spain.

Listen wherever you find your podcasts!



https://hubs.ly/Q02F4jdH0

CIA Field Day 2024 was a blast, filled with team-building and unforgettable memories! We had a fantastic time competing in classic field day games like tug-of-war, three-legged races, potato sack races, and ring toss, all while enjoying great food and camaraderie. It was a day of fun and friendly competition with our coworkers!

Our clients Lou and Nilda, recently purchased their new retirement convertible. A 2021 Mustang!

Lou is retiring next year and he and Nilda are lining up the travel and zooming around town in their new Mustang!

Please note, that Lou and Linda have given us permission to share their photo.

Despite the continued popularity of retiring at 65, many folks are drawn to the allure of an early exit. The promise of more time for family, travel, and core pursuits can be hard to resist—the very mission of this podcast is to help people retire sooner than they ever thought possible.

But as wonderful as an early retirement can be if you can afford it, there are potential hazards for people who don’t take the time to plan. On today’s episode, Wes dives into five common missteps that risk sabotaging the happiness you’ve worked so hard to achieve. With diligent and strategic planning, you can run down the list and make sure all of your ducks are in a row before making your decision.

The right lifestyle and money habits can help you prepare for a secure future so that you can decide the right time to make that future your present.

#211 - 5 Common Mistakes To Avoid When Retiring Early Despite the continued popularity of retiring at 65, many folks are drawn to the allure of an early exit. The …

After a successful 35-year career as a psychotherapist, Hugh Willard decided to embark on a new journey as a writer. Currently pursuing his Master’s Degree in Creative Nonfiction, he authored a book and hosts a podcast about finding beauty in the gray. I have more gray hair than I used to, and sometimes, I feel insecure about it. But it’s funny; my barber recently told me some of her clients would shell out a lot of money for that brownish-gray coloring. And it’s that positive twist that Hugh uses to change the conversation about aging.

Hugh lives in the beautiful city of Apex, North Carolina, which is fitting because as he ages, he seems to be summiting the peak of his own happiness.

#22 -Embracing the Beauty of Aging With Hugh Willard After a successful 35-year career as a psychotherapist, Hugh Willard decided to embark on a new journey as a writer. Currently pursuing …

This week on Money Matters, Capital Investment Advisors’ Chief Investment Officer Connor Miller joins Wes in the studio for today’s episode. They delve into the latest information on the Tesla rental car situation. They contrast the state of the economy with public sentiment. They also share a strategy that often helps combat inflation. They cite the Copenhagen City Heart Study’s findings about the sport of tennis and how it’s been shown to increase human lifespan. Finally, Wes breaks down the wisdom of tennis champion Roger Federer’s recent words and compares his winning rate to that of the stock market.

#25 - Roger Federer And The Economy Capital Investment Advisors’ Chief Investment Officer Connor Miller joins Wes in the studio for today’s episode. They delve into the …

Our clients, the Goldrings recently took the trip of a lifetime. Within about 10 months of each other, they visited the southernmost points of the continents of Africa "an easy drive" and South America "a very arduous sea journey!"

And last but not least, last month they took a trip to Réunion where they went tandem paragliding and took a helicopter tour of the island. What an exciting adventure!

Please note, the Goldrings have given us permission to share their photos.

Jaspreet Singh’s parents gave him two choices: become a doctor or be a failure. Understandably, he chose medicine, but deep down, he knew it was for all the wrong reasons.

People like Jaspreet are born entrepreneurs. They just see the world a little bit differently. He inherently knew he could be happier and make more money doing something else, and he tried just about everything.

From drumming to an event planning company to law school to real estate, one thing became clear—he needed more funding. So, he came up with a unique idea: a water-resistant athletic sock. He used this innovative product to raise the capital he needed. When a marketing scam lost him thousands of dollars, he started an educational social media page called The Minority Mindset to help other outside-the-box thinkers avoid making the same mistakes.

To his surprise, the YouTube Channel hit 100,000 subscribers, so he put the sock back in the drawer and dedicated himself to making financial education fun and accessible. Today, The Minority Mindset has nearly 2 million subscribers and multiple offshoots, including Briefs Media and the Market Insiders investing education app.

Jaspreet’s brand has helped countless people free themselves from debt and start investing. His story reminds us that, though we all make mistakes, with the right mindset and strategies, we can create our own path to financial success.

#210 - From Rejection To Financial Freedom: The Minority Mindset With Jaspreet Singh Jaspreet Singh’s parents gave him two choices: become a doctor or be a failure. Understandably, he chose medicine, but deep …

We've found our new home in Texas! While these doors aren’t open just yet, we’re excited to share the journey with you as we create a welcoming space to serve our wonderful community of happy retirees in the Dallas area. Stay tuned for more updates in the coming weeks.

CIA’s Wealth Management Analyst, Jeff Lloyd, joins Wes for today’s installment. They discuss Atlanta’s hot temperatures, Father’s Day, and Taylor Swift’s economic impact. Then, they confer about the most recent consumer prices and analyze what’s gone up or down. They talk about tipping protocol, then Chick-fil-A, and transition into examining Waffle House’s hourly wages. Finally, Wes talks about using dividends as cash for retirement.

#24 - Hotlanta, Consumer Prices, Waffle House, And Dividends As Cash For Retirement CIA’s Wealth Management Analyst, Jeff Lloyd, joins Wes for today’s installment. They discuss Atlanta’s hot temperatures, Father’s Day, and Taylor …

According to a National Institute on Retirement Security report, 79% of Americans agree that there is a retirement crisis. It also revealed that over half of Americans are concerned they won’t be able to achieve financial security.

Retirement insecurity may be a daunting reality,​ but on today’s episode Wes sets some theoretical parameters to illustrate potential scenarios and how they might positively affect the future. Planning for retirement can be challenging, but Wes points out that with self-discipline, some savings, and time, happiness and financial freedom may be within reach sooner than you think.

#209 - You May Be Able To Retire One (Or Five) Years Sooner According to a National Institute on Retirement Security report, 79% of Americans agree that there is a retirement crisis. It also revealed …