Overview
Capital City Wealth: Investment Services, through an agreement with LPL Financial, a registered broker/dealer, provides investment services and products including financial planning to the general public as well as current and prospective bank clients. These clients can include individuals and families as well as institutions, organizations, foundations, or corporations.
Their principal objective is to help clients reach their financial goals. Capital City Wealth: Investment Services has a variety of options that allow for short-term or long-term investments—or a combination of both—to help clients build or maintain their wealth. This includes a range of risk options for clients looking to manage outcomes and avoid losses or accept some higher level of risk for the potential of longer-term upside returns.
The financial advisors of Capital City Wealth: Investment Services are available to help any client, including associates, get started or diversify and expand their investment portfolio.
Capital City Wealth: Investment Services advisors work with a variety of clients along every age and stage of their financial lives. This can include a young person trying to start investing, a business owner looking for more sophisticated tax-smart investments options, or a retiree wanting to maintain a certain lifestyle with the assets they have saved.
To help clients such as these, Capital City Wealth: Investment Services offers clients personalized, one-on-one service with opportunities to meet locally with a financial advisor. All of Capital City Wealth: Investment Services’ financial advisors are registered through LPL Financial and with the Financial Industry Regulatory Authority (FINRA), in addition to holding their state insurance licenses.
Collaboration
Along with Capital City Wealth: Trust Services and Capital City Wealth , Capital City Investments is 1/3 part of the Wealth Management division.
Financial advisors with Capital City Wealth: Investment Services are strategically located throughout the Capital City Bank (CCB) footprint. Each advisor works with clients in an assigned group of offices.
Every day, Capital City Wealth: Investment Services advisors collaborate with other members of the wealth division including Capital City Wealth: Trust Services and Capital City Wealth as well as their local CCB bankers and CCB private bankers.
This collaboration can include a simple handoff to answer a specific financial question or building a long-term team that leverages their combined knowledge to help a client reach their broader objectives.
Products and Services
Capital City Wealth: Investment Services offers a number of valuable products to help clients and prospective clients meet their financial needs. But the greatest value Capital City Wealth: Investment Services brings clients isn't our products—it's the relationship they build. Capital City Wealth: Investment Services offers free financial checkups and can help clients figure out just what they need to manage their finances today and in the future.
Learn more about Capital City Wealth: Investment Services' products and services:
Financial Planning
Financial planning involves looking at a client's entire financial picture and advising them on how to achieve their short- and long-term financial goals. From saving for education and planning for retirement to effectively managing taxes and insurance, financial planners develop valuable relationships with their clients to provide them with confidence today and a more secure tomorrow.
Retirement Accounts
Retirement accounts such as IRAs, SEPs, and 401(k) plans help clients save for retirement using pre-tax dollars, which allows for a larger contribution. Compounding over time can result in a larger balance upon retirement. Pre-tax and post-tax retirement products including Roth IRAs are available for individuals and businesses.
Mutual Funds
Mutual Funds combine money from many investors and place the money in stocks, bonds and other securities, or a combination of the 3. They are managed by a professional portfolio manager who actively adjusts the funds' portfolios to try to increase their value. They provide the client a great way to diversify their portfolio.
Annuities
Annuities offer many unique benefits to help you meet your retirement goals—tax-deferred growth, no IRS contribution limits, and flexible withdrawals. These contracts, offered by insurance companies, are a great way to obtain a guaranteed stream of income during retirement.
Stocks
Signifying an ownership position in a corporation, stocks are usually considered a long-term investment. Historically, they provide higher returns than CDs and money market accounts with more volatility.
Bonds
These fixed-income funds provide investors with important features like monthly income, portfolio diversification, professional money management, and daily liquidity.
Tax Advantaged Securities
These include municipal bonds, 529 plans, annuities, and others. Different investments allow you to defer taxes at different levels of income and need. Annuities are insurance products that based on the specific insurance contract can provide some level of guaranteed protection, growth, or income.
Life Insurance
Life insurance services and products for clients are handled by a partnership with Capital City Wealth. An important part of a sound financial plan, life insurance provides a valuable benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses.
Long-Term Care Insurance
Long-term care insurance services and products for clients are also handled by a partnership with Capital City Wealth. This type of insurance provides coverage for people who have a chronic illness or disability and need assistance with the activities of daily living. These services can include home health care/home care, care in a nursing home, respite care, adult day care, or care in an assisted-living facility/residential-care facility.
Making Referrals
All associates are eligible for an incentive for a referral to Capital City Wealth: Investment Services. A qualified referral is a prospective client who has $10,000 or more in investable assets and keeps an appointment with a Capital City Wealth: Investment Services financial advisor.
The most important thing to remember about making referrals to Capital City Wealth: Investment Services is to get the client or prospect to the right department the first time. The more times a future client is passed around, the more likely we are to lose them to the competition. Know your departments and refer, refer, refer.
Below are some sample referral scenarios for Capital City Wealth: Investment Services:
Making a Referral to Capital City Wealth: Investment Services is as simple as A-B-C!
Acknowledge that you have uncovered a need
Client: "I just don't know what to do to get the best return on my investment."
Associate: “I can empathize with you Mr. Johnson. Getting the best possible return on your investment is important.”
Bridge with a transition statement highlighting how Capital City Bank can meet that need
"Our financial advisors with Capital City Wealth: Investment Services offer a wide variety of products you can choose from to personalize your investment strategy."
Connect to the Capital City Bank associate who can meet the need
"Joe Jones is our financial advisor. I would be happy to set up an appointment so you can meet with him. When would be convenient for you?"
Visit Capital City Wealth: Investment Services' website.
Job Positions
- Strategy Process Manager
- Investment Assistant
- Financial Advisor
- Senior Financial Advisor
- Investment Assistant/Operations Manager