Capital Investment Advisors (CIA) provides financial consultation and asset management services. Financial consultation includes creating financial plans tailored to each client's needs, with varying levels of complexity. Asset management services involve recommending third-party asset managers or providing direct supervision of client portfolios. CIA's Integrated Wealth Management Process (IWMP) educates clients, organizes their finances, and validates the effectiveness of their plans.
Fee Structure
CIA provides asset management services through third-party money managers or direct supervision of client portfolios. Fees for asset management range from 1.25% to negotiable. Clients participating in third-party programs are charged fees based on a percentage of their assets, with the highest fee tier typically applying to the first $250,000 of assets. CIA may also assist clients with accounts not under a third-party manager, such as 401(k)s, and may charge a flat fee of $500 for asset allocation and fund research if the client does not have other assets under management.