Your financial confidence is our goal.
Investment Services Raleigh NC:
Your Personal Finance Tailors
Experienced
Custom
Independent
Fiduciary
Worth Every Penny:
The Value of an Investment Advisor
Let's face it—you've probably asked yourself, "Why should I pay an investment advisor?" It's a valid question. In an era of DIY tutorials and self-help books, why should investing be any different? Well, here's the deal: the world of finance isn't your everyday do-it-yourself project. It's a labyrinth, a vast and intricate maze of numbers, trends, and market forces that can be as unpredictable as they are complex.
Now, you could spend countless hours trying to decipher the enigma that is the financial market, or you could let seasoned professionals like us handle it. At Capital Financial, we're not just number crunchers—we're strategists, analysts, and, above all, your trusted guides in this financial journey.
Our expertise isn't about putting your money in stocks and hoping for the best. It's about understanding the heartbeat of the market, interpreting its rhythm, and aligning it with your financial goals. It's about using our insights to position your portfolio for potential growth while mitigating risks. It's about helping you make informed decisions that can shape
your financial future.
When you choose Capital Financial, you're not just paying for an investment advisor—you're investing in financial confidence, expertise, and a financial strategy tailored to your needs. So, is it worth it? We'd say it's an investment that pays dividends in clarity, confidence, and potentially, financial growth.
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Deciphering the Difference:
Investment Advisors vs. Financial Advisors
Let's crack the code: what exactly is the difference between investment advisors and financial advisors? The terms might sound similar, but here's the twist—they represent two different roles in the money management game.
Investment advisors are the specialists, the sharpshooters, the maestros of the investment world. They live and breathe stocks, bonds, and everything in between. They're the ones analyzing market trends, selecting investments, and managing portfolios. They're all about helping you grow your money through strategic investment moves.
Then we have the financial advisors. These are the generalists, the financial Swiss Army knives. They've got their fingers in more pies, covering everything from insurance and retirement planning to tax strategies and estate planning. They provide an all-encompassing view of your finances, looking at the big picture to help you navigate your overall financial journey.
At Capital Financial, we don't play favorites. We believe in combining the specialized expertise of investment advisors with the holistic approach of financial advisors. We're the financial all-rounders, providing you with a comprehensive suite of services to address your unique financial needs. Whether it's making savvy investment decisions or planning for retirement, we've got you covered. We're not just your advisors—we're your partners in the quest for financial prosperity.
About our founder
Peter J. D'Arruda
MRFC®, RICP®
He founded Capital Financial to help his clients “cross the street of life.“ He and his team strive to help their clients take the worry out of living in retirement.
Known as Coach Pete to most of his clients and radio show listeners, his lifetime goal is to assist his clients in achieving the levels of success they desire.
The Fiduciary Edge:
Putting Your Interests First
You've probably been pondering, "Which is better, a fiduciary or a financial advisor?" or "Is a fiduciary better than a broker?" These are not just good questions—they're crucial ones. The answers reveal the core of who we are at Capital Financial and what sets us apart in the financial world.
The magic word here is 'fiduciary'. It's not just a fancy term—it's a promise, a commitment, a legal obligation. As fiduciaries, we are duty-bound to act in your best interest, prioritizing your financial goals and your financial health above all else.
But let's put the spotlight on the other players for a moment. Brokers, for instance, might offer products that put commissions in their pocket but may not be the ideal fit for your financial portfolio. They operate under a different standard—the suitability standard—which only requires them to recommend investments that are suitable, but not necessarily the best for you.
Then, there are financial advisors, a term that covers a broad spectrum of professionals in the financial industry. Some financial advisors are fiduciaries, and some are not. The key is to ask the right questions and understand their obligations towards you.
At Capital Financial, we are proud fiduciaries. This means we are legally obligated to put your interests first, to make decisions that promote your financial well-being, not our bottom line. We're not just here to advise—we're here to advocate for you, to champion your financial success.
Because when it comes down to it, your win is our win. And that's the fiduciary advantage.
Provided by the Capital Financial Team
The Big Book On Retirement
Coach Pete's newest book is now available - absolutely free on this site only!The Big Book On Retirement is the eighth book from best-selling and award-winning author Coach Pete D'Arruda.
More than 20 years after publishing his first book, Financial Safari, Coach Pete is bringing yet another highly-useful tool to the masses with his latest publication.
This comprehensive and concise book helps readers navigate all the ins and outs of retirement planning.
- Learning the importance of working with a licensed fiduciary and how to choose the right one to advise you and your family.
- Understanding the investment options you have available to you in retirement and how to take advantage of a plan that best suits your needs.
- Learning how to secure Guaranteed Lifetime Income for you and your spouse.
- Learning how to organize records and documentation critical to retirement planning and beyond.
- Understanding how to defend yourself against financial and healthcare risks.
How to ensure you have a proper legacy plan in place for your loved ones.
...and much more!
Tossing the Cookie-Cutter Out:
Tailor-Made Investment Strategies
Investing is no place for a 'one-size-fits-all' mentality—far from it. It's a complex, multifaceted realm, as intricate as a finely woven tapestry. And like a master weaver, you need to know every thread, every color,
every pattern to create a masterpiece.
That's where we, at Capital Financial, come into play.
We don't believe in cookie-cutter solutions. We believe in tailor-made strategies, custom-fit to your financial aspirations, and risk tolerance. We understand that every investor is unique, with their own set of financial goals, their own comfort levels with risk,
and their own vision of financial success.
So, we dive headfirst into the maze of the financial markets. We immerse ourselves in the flux of market trends, keep a pulse on the heartbeat of economic indicators, and use our keen eye for opportunities to your advantage. We take the vast, sometimes overwhelming world of investing and distill it into a clear, strategic plan designed to enhance your wealth.
And we do it all with one goal in mind: to create a financial portfolio that's as unique as you are, a portfolio that's not just about growing your wealth, but about securing your financial future.
Because at Capital Financial, we're not just about investments—
we're about you.
Communication:
The Cornerstone of Our Investment Services
At Capital Financial, we don't believe in one-sided conversations. When it comes to managing your investments, we're not just about building a portfolio—we're about forging relationships. Relationships are founded on open, honest, and ongoing dialogue. Because let's face it, understanding where your money is going and why it's going there isn't just important—it's non-negotiable.
This is why communication is the bedrock of our investment services. We're not just advisors who hand you a plan and send you on your way. No, we're your allies, your partners, your financial confidants. We're here to guide you, step by step, through the investment process, demystifying the jargon, unraveling the complexities, and shining a spotlight on the 'whys' and 'hows' of your investment strategy.
So, whether it's a question about asset allocation, a concern about market volatility, or just a curiosity about the latest economic trends, our door is always open. Our commitment is to keep you informed, involved, and in control of your financial journey.
Because at Capital Financial, we're not just about talking—we're about listening. And that's how we turn clients into lifelong partners.
More Than Just Managing Investments
We're not just in the business of managing investments here at Capital Financial. No, that would be selling ourselves short. What we do is far more meaningful, far more impactful. We're in the business of shaping futures—your future. It's a responsibility we don't take lightly, and it's one that drives us to go above and beyond in everything we do.
You see, when you entrust us with your investments, you're entrusting us with your dreams, your aspirations, and your financial confidence. And we're committed to honoring that trust. How? By equipping you with the knowledge, guidance, and personalized attention you need to feel not just secure, but empowered in your investment decisions.
Because at Capital Financial, we're not just your investment managers—we're your financial partners. We're here to demystify the complexities, navigate the uncertainties, and help you turn your financial goals from mere ideas into tangible realities.
So, when you choose Capital Financial, know that you're choosing more than just an investment service. You're choosing a team that's as invested in your future as you are.
Ready for Next-Level Investment Services in Raleigh, NC?
Are you set to ascend to new heights in your financial journey? Are you prepared to team up with Raleigh's elite corps of investment professionals, who will labor tirelessly to amplify your wealth? If so, Capital Financial is ready to welcome you. Contact us today and let's initiate the development of your tailored investment strategy.
But remember, we're not merely providing a service. We're offering a relationship—a relationship rooted in mutual respect, transparent communication, and unwavering dedication to your financial prosperity. We're offering you a team that will accompany you every step of the way, ensuring you're not just investing in the market, but investing in your future.
So, why hesitate? The future of your investments doesn't have to begin tomorrow, next week, or next month. It starts today. Right here, right now, with Capital Financial. Reach out to us today and together, let's embark on this journey towards financial empowerment.
With Capital Financial, you're not just entrusting your financial future to someone; you're placing it in the hands of the best. Your journey toward financial empowerment starts now. Call us today and let us help you build a prosperous future.
Dave Ramsey Smartvestor Pro
Our retirement advisors provide solid, professional investing guidance and are committed to educating and empowering every individual while providing top-notch customer service.
Medicare Planning: Objective Advice for Cost-Effective Plans
We provide objective and unbiased advice on Medicare planning, ensuring that you're getting the right plan at the lowest possible cost. Let us guide you through the process, providing clarity and confidence along the way.
Navigating the intricacies of Medicare can be daunting, given the numerous options and considerations. That's why at Capital Financial, we make it our mission to provide objective and clear advice to help you select the right Medicare plan that suits your health needs and budget.
Our financial advisors will take the time to understand your health concerns and financial situation to provide you with a comprehensive overview of your options. We'll explain the differences between Medicare Part A, Part B, Part C (also known as Medicare Advantage), and Part D, and the roles they play in your healthcare coverage. We'll also inform you about Medicare Supplement Insurance (Medigap) policies, which can help cover costs that Original Medicare doesn't, such as copayments, coinsurance, and deductibles.
We understand the importance of cost-effectiveness when it comes to healthcare. Therefore, we'll delve into the specifics of each plan to help you understand its costs and benefits, guiding you toward a plan that delivers maximum healthcare coverage at the lowest possible cost. We'll also explore any available programs that can help lower your Medicare costs, such as Medicaid, the Extra Help program, and Medicare Savings Programs.
Moreover, we'll assist you in understanding the enrollment periods for Medicare and the potential penalties for late enrollment, ensuring that you avoid unnecessary fees. We'll also keep you informed about any changes in Medicare policies or benefits that may affect you.
At Capital Financial, we believe in empowering you with the knowledge you need to make informed healthcare decisions. Our goal is to alleviate the stress and confusion that often comes with Medicare planning, providing you with the clarity and confidence you need to secure your health coverage in retirement. We're here to guide you through every step of the Medicare planning process,
helping you secure the healthcare you need at a cost you can afford.
