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Providing a fiduciary standard for independent and fee-based clients.

Helping You Create, Protect, and Preserve Wealth








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Second generation family owned and operated independent financial services firm.

Capital Advisors is a 2nd generation family owned and operated independent financial services firm. Since 1995 we have helped individuals and small business owners tackle their everyday concerns about investing and retirement planning. Investing is not just for the wealthy! Our expertise and creative approach will help you navigate even the most challenging situations. We provide superior service and maintain low independent overhead costs to provide the best value.


We develop and implement the financial solutions tailored to your situation, monitor the performance and recommend adjustments as needed to help you reach your goals. As fee-based independent advisors our success is linked to the success of our clients. We look forward to helping you.


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Schedule a Free No-Obligation Conversation With us today

Your Investments Should Match Your Goals 


who we serve

We provide personalized financial services that help you achieve your goals. 

Read below to find out how we can help you.


Working Professionals

Are you working 8am-5pm and don't know where to invest your money? Let's explore your goals and options!


Common Questions

  • How much should I contribute to a 401k?
  • How much house can I afford?
  • When should I refinance my house?
  • How much money can I invest considering my budget? (rephrase) 
  • When should I pay off my car?
  • How should I manage my student loans? 
  • What retirement plan is best for me?


Business Owners

                             

Are you a business owner thinking about retirement? Let's discuss a starting plan.  


Common Questions

  • I am a solo practice, what type of retirement plans are available for me?
  • Should I start a retirement plan for my company?
  • How can I save for retirement?
  • Can I use a retirement plan to reduce my tax liability?
  • Am I ready to retire?


Retirees

                        

Thinking about retirement or already a retiree? Let's talk options and paths!


Common Questions

  • Do I have enough money to retire?
  • How long should I expect my money to last?
  • How do I maximize social security benefits?
  • How should I invest my money?
  • When can I retire?



Women Inspired

             

Are you a woman with investment goals or investment questions? Let's us guide you on the right path!


Common Questions

  • What retirement plan is best for me?
  • How do I save enough to retire comfortably?
  • Should I pay off debt, or contribute to my retirement plan?
  • When should I start contributing to my retirement? Is it ever too early?
  • If I marry, should I keep my finances separate from my spouse? 
  • How do I invest successfully?
  • Can I be a stay at home mom without impacting my financial future?
  •  How can I save for my child’s retirement and not let it effect my retirement plan?
  • How can I care for my elderly parents without risking my financial success?


Our Process

Our process is custom-built for you. We are not a one size fits all financial services firm.


It begins with a free, no-obligation conversation. Contact us by phone, email, or easily see our real-time availability to schedule an appointment here so we can determine if working together would be a good fit.


Moving forward we can accommodate both online or an in person meeting that will allow us to get to know more about you, your needs, and your goals. This allows us to guide you in the right direction.


We're evolving with technology, with your help we can successfully decrease our carbon footprint by managing all paperwork electronically.


We understand this process can be daunting and sometimes confusing so we will strive to keep you informed every step of the way. It is important to us that we make this as easy and as enjoyable as possible. Creating, preserving, and protecting wealth is what we do, let us guide you in the right direction, today.


WANT TO SCHEDULE A MEETING WITH US?

Schedule Today!


Jennifer Schaefer,  AIF® Photo

Jennifer Schaefer, AIF®

President & Financial Advisor
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Jen@capitaladvisors.us

Jennifer Schaefer is an Investment Advisor Representative with Cambridge Investment Research Inc., A Registered Principal for Cambridge Investment Research Inc., an independent broker/dealer, stock broker, AIF(Accredited Investment Fiduciary) and licensed insurance agent.

Jen joined Capital Advisors in 2006 as an administrative assistant and has grown into her current position as President and Registered Principal with extensive training and effort. She helps both our small businesses and individuals find solutions for their specific needs ranging from retirement planning and insurance needs. As an independent broker she can offer flexibility with product ad investment selections to help you build a plan that is right for you.

Learn More About Jennifer

Jen is a unicorn, born and raised in Austin, TX. She currently resides in Pflugerville with her husband, growing girl, and two dogs. In her downtime you are likely to find her working out with her family or hitting the golf ball (poorly) around the course.



Check the background of this firm on FINRA'S BrokerCheck, click here

Rick Schaefer Photo

Rick Schaefer

Financial Advisor
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Rick@CAPITALADVISORS.US

Rick Schaefer is an Investment Advisor Representative with Cambridge Investment Research Advisors Inc., a Registered Principal with Cambridge Investment Research Inc. an independent broker/dealer, and a licensed insurance agent. He has helped individuals and business owners since 1995 after moving to Pflugerville with his family. As an independent stock broker Rick helps clients select from the various companies and products available in the market to meet their objectives.

Rick develops financial plans, investment and insurance strategies for individuals and business owners designed to help them achieve their financial goals. Rick has helped many business owners select and implement retirement plans for their company tailored to their special needs, ranging from the one person company to the programs for complex companies with varied reward levels. He has also been able to lower costs on 401(k) and other existing plans while provided the level of attention and service they deserve, at no additional cost to the company.

Learn More About Rick

Rick is a loving grandfather to three grandsons and two spoiled granddaughters. He is great behind the grill grilling up “burgers and dogs” and he makes a mean steak! He and Sonya play fetch every evening until Rick can’t throw the ball anymore 🙂!


Check the background of this firm on FINRA'S BrokerCheck, click here

Alejandra Escobedo Photo

Alejandra Escobedo

Associate
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Alejandra@CAPITALADVISORS.US

Alejandra is our newest member of the team! 

Alejandra joined Capital Advisors in 2019, two years after getting her degree in Economics from Colorado State University (she’s a proud CSU Ram). Her tenacity and willingness to learn has benefited her tremendously. She is passionate about helping others and brings that passion into everything she does. Prior to working at Capital Advisors, she was a marketing manager for a software company and a freelance marketer. When she’s not at work, you can find her creating content for her small online cosmetics company or volunteering locally.

Learn More About Alejandra

Ale was born in Honduras and moved to Vail, CO when she was young with her family. She is fluent in both English and Spanish. In her spare time she enjoys running, reading, and cooking (her specialty, baked salmon). 


Rita Burke Photo

Rita Burke

Lead Administrative Assistant
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Rita@CAPITALADVISORS.US

Rita joined Capital Advisors in 2015 as an Administrative Assistant, putting her organizational skills and eye for detail to work for us. Rita is focused on delivering quality client services and is now serves as our Lead Administrative Assistant. Prior to working at Capital Advisors, Rita was an office manager for a physician's office for over 25 years.

Learn More About Rita

She is a mother to Jen and her older brother Carl as well as a grandmother to three beautiful grandkids. She is known to dote on her grandchildren and enjoy two-steppin' with her husband of 40 years!

Cristi Rebecek  Photo

Cristi Rebecek

Administrative Assistant
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Cristi@CAPITALADVISORS.US

Cristi has been an Administrative Assistant with Capital Advisors since 2018. She is an important part of our client onboarding and ongoing client services. She uses her knowledge and experience every day to make our client experience as seamless as possible.

Learn More About Cristi

She is a proud mother of two sons and one daughter, as well as a Nana to one beautiful granddaughter. She is a Texas traveller, growing up in East Texas, then lived in North Texas for a while and settled in the Austin area in 2014. During her down time you might find her singing her heart out at karaoke or enjoying a drink and soaking up the sun at the beach.

Sonya Photo

Sonya

Team Mascott
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Sonya joined the Schaefer family in early 2014. She has been an integral part of our day to day services as “support” staff. She loves to welcome everyone with a sniff and a tail wag. If for some reason you are not greeted by her when you arrive you can find her in Rick’s office dreaming of chasing tennis balls and her “pink pig”.

See what we can do for you

Wealth Management You Can Trust

OUR MISSION

Our mission at Capital Advisors is helping men and women of all ages tackle everyday concerns and challenges of investing and retirement planning with authenticity, honesty, and pride.


Retirement Planning

No matter what phase of life you're in, whether you're in your mid 20s thinking about retirement, late 30s, early 50s or already in retirement, we can help. We offer a broad range of financial solutions, design, and support customized for your specific needs, goals and life stage.  

Below are some common questions our clients have. 

Questions To Think About When Planning for Retirement

  • Where do I start? How does my annual income a factor in how much I can contribute to a retirement savings plan? Is my age a factor? 
  • How soon can we afford to downsize our careers or elect to fully retire and reasonably be expected to maintain our standard of living throughout our retirement years?
  • Now that we are finally reaching our retirement years, how should we modify our investment plan to provide more stability and higher income at the expense of higher growth and volatility.
  • What assumptions are prudent to make about inflation, rate of return on investments, longevity?

Questions To Think About For Financial Management During Retirement

  • How much can we draw annually from our investment portfolio to supplement other sources of retirement income, while still making sure that our portfolio value keeps up with inflation?
  • What are the optimal choices to make for required minimum distributions from our retirement accounts prior to reaching age 72?
  • What investments should I spend first in retirement – taxable or tax-deferred retirement assets?
  • Should we consider long-term care insurance? What are the key factors to consider?
  • My spouse is not knowledgeable about (or perhaps not interested in) financial matters. Who can my spouse turn to for assistance if I am no longer available to handle our affairs?

"After climbing the mountain, you can finally enjoy the view".

  -unknown


Investment Management

Definition: Handling assets and other investments. Management includes devising a short-term or long-term strategy of portfolio holdings.

We do extensive research to build and manage our own portfolios that are geared to your financial risk tolerance and goals. We review and evaluate your holdings on a quarterly basis and make changes as necessary. We want to make this process as easy and as comprehensible as possible. 

Investing is a science and an art and is better left to the professionals. We joke here at Capital Advisors and say that people could be their own doctors via WebMD, but one wrong diagnosis can be the difference between a terminal illness and a spider bite! 

Let us help you with your financial diagnosis and come up with a prescription for success. 

Questions To Think About 

  • Do you have a 401(k) with your company? If so we can review your holdings and the holdings available to you to see if your selections are meeting your current investment needs.
  • Have you inherited a lump-sum of money and don't know how to manage it? We can discuss options available to help you sustain your wealth to match your goals. 
  • How do you evaluate your risk profile? If you had a lump-sum of money in the stock market would you be able to sleep comfortably? 
  • The market is down, what do you do? How do you handle market fluctuations? 
  • How do I know what to invest in? We can discuss options based on your risk tolerance and financial goals. 

"Successful investing is about managing risk not avoiding it".

- Benjamin Graham

First Time/Early Stage Investor Coaching

Financial Planning Solutions Designed For You


New to the investment world? Does it seem overwhelming?


As a new/early stage investor,  we understand the questions and concerns that could come up as we begin this journey.  We understand this process can be complex in some ways thats why we strive to make this simple, effective, and as easy to understand as possible. See how we can help you below.



Key Coaching Factors

We work with your current finances to help you kick start your journey with investments, savings, debt, and retirement. 

We will guide you through any questions you might have, provide support, and ultimately guide you towards your financial needs. 

What we do as your coach:

  1. We answer all of your questions.
  2. We guide you through a financial plan that suits your needs.
  3. We ask you questions to help us, help you and understand you better so that we are able to guide you in the right direction.
  4. We do our research so we can manage your investments and they match your goals.

Questions To Think About

  • What are your financial goals? 
  • Do you have a financial plan in place that will navigate through your debt to get it paid off?
  • Do you know how much of your current income you could be investing?
  • Do you have lots of student loan debt?
  • Do you know how much you should be putting towards retirement?
  • How do I get comfortable and knowledgable about investing?
  • When should I start saving for my retirement? 



"Someone is sitting in the shade today because someone planted a tree a long time ago".

-Warren Buffet

Women Investor Mentorship

At Capital Advisors, we do not discriminate however, we see a need for women in the finance industry (whom are limited) to guide other women to achieve their financial goals. 

We will review your current financial situation, discuss your future financial objective, and discuss how we can help you achieve your goals. We are offering a unique service that could provide insight, compassion, and professional financial advice for common concerns that women face today.    


How We Provide Mentorship

  1. We will guide you through any questions you might have, provide support and ultimately guide you towards your financial needs. 
  2. We will help you reduce the balls that you are currently juggling by getting your financial ball rolling. 
  3. We will help you use money as a utensil in your utility drawer. 

Questions To Think About

  • My spouse handles all the finances, how can I get involved? 
  • How do I save for my child's college expenses without impacting my future retirement? 
  • I need to create a budget, where do I start? 
  • How do I get comfortable and knowledgeable about investing? 
  • I am starting my own business, what are some things I need to think about? 


"Behind every successful woman is a tribe of other successful women, who have her back".

-unknown

Contact Us Today

Your Investments Should Impact More Than Your Portfolio.

Get In Touch

While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us!


Frequently Asked Questions

Q: How do I access my Pershing account? How do I access statements, trade confirmations, or tax documents?

A: Watch the 'NetX Access Your Pershing Account' video below

In this video, we walk you through how to access your Pershing account for the first time or login, access statements, trade confirmations, and tax documents such as your 1099. See below for time-stamps.



Here's a quick recap of what you can find in the video, below are the time-stamps for each section:

Login: 0:30-1:00

First-time Login Users: 0:30-3:06

NetX Dashboard: 3:07-3:31

> Under section 'All Communications'

Statements: 3:31-4:01

Trade Confirmations: 4:02-4:10 

Tax Documents (1099): 4:11-4:32


Check the background of this firm on FINRA’s BrokerCheck.