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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 second 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

Jeff Schaefer Photo

Jeff Schaefer

Registered Representative
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Licensed insurance agent, Jeff Schaefer joined Capital Advisors in summer of 2023 fresh out of the trenches of public education. With 19 years teaching mathematics and construction technology in public education along with 7 years law enforcement experience, Jeff is excited to serve his community in a new role helping you build and preserve wealth.

 With a wife and two adult children both enrolled in college, Jeff is determined not to be left behind and is currently pursuing his master’s degree in applied mathematics.

Janet Sanchez Photo

Janet Sanchez

Director of Client Relations
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Janet joined Capital Advisors in the summer of 2022 as our Director of Client Relations.  She takes pride in being detailed orientated while working closely with current and new clients.  Janet oversees our day-to-day operation that require extra attention ensuring our client’s accounts are current and up to date.  In addition, she is responsible for processing requests and is always happy to answer questions.

 Janet was born and raised in The Land of Enchantment, Rio Rancho New Mexico.  She graduated college from New Mexico Highlands University with a dual degree, Bachelor’s in Education as well as a Bachelor’s in Special Education. She continued her education at the Santa Fe Community College with a focus on Early Childhood Development.

Janet moved to Texas in the winter of 2015 with her husband, two children, and three dogs.  She enjoys spending quality time with her family & friends, participating in outdoor activities, and traveling. 

Rita Burke Photo

Rita Burke

Director of Operations
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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!

LeAnn Tinch Photo

LeAnn Tinch

Marketing & Technology Generalist
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LeAnn joined Capital Advisors in the spring of 2023 as our Project Director. She helps our team with all marketing and technical matters such as accessing CIRStatements or NetX Investor log in issues and any client information updates such as address and phone number changes. She is also in charge of special events and projects as needed. 

LeAnn was raised in the military and has lived all across the United States. She graduated college from the University of Nevada, Las Vegas with a Bachelor of Science in Business Administration, Marketing. She moved to Texas in 2015 with her husband, two children and two dogs. In her downtime she enjoys cooking, learning to sew, going to the movies, and traveling. 

Duke Photo

Duke

Best Friend
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Duke is the newest member of our team. He joined Rick’s family in December 2023, but he truly is a gift for us all. He is friendly, loyal, and well trained. He will greet you when you arrive and protect the door while you meet with one of our advisors. He likes head scratches, looking out the window and giving puppy dog eyes for treats.

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

Pricing 

Which ever stage of life you're in, we can help. We've designed programs to help everyone achieve their financial goals through our 4 financial needs options. Not sure what stage you're in? Contact us, we'll direct you the right direction. 

Option 1
Option 2Option 3

Subscription Service: Beginners Financial Roadmap + Implementation Support 

Best For: 

Clients who are in their early stages of building wealth who want guidance on managing their finances, budgeting, emergency reserves, and monthly support.

Pricing:  Onboarding One-time Fee $149 + Monthly Subscription Fee $38 

Services: 

  • Financial Wellness Onboarding Process: We will do a thorough assessment of your current financial health, learn more about you, and what your goals are.
  • Initial Financial Plan:  We'll dive deep into your finances and how they correlate with your short term and long term goals.  We'll provide recommendations to improve the odds of success. 
  • Implementation Support: We'll be here every step of the way with monthly implementation support. 





Subscription Service: Comprehensive Financial Roadmap+ Investment Management + Support

Best For:  

Hands on clients who are looking for personal finance guidance and a portfolio review. Typically for clients that hold assets outside of our management via investment platform/app or employer sponsored 401(k) and would like a bit of handholding and investment analysis. 

Pricing:  Onboarding One-time Fee $249 + Monthly Subscription Fee $38 

Services

  • Financial Wellness Onboarding Process: assessment of your current financial health, learn more about you, and what your goals are.
  • Initial Financial Plan:  We'll dive deep into your finances and how they correlate with your short term and long term goals.  We'll provide recommendations to improve the odds of success. 
  • Portfolio Review: Review existing investments and how the are suited to your goals and risk tolerance. Additionally, we will provide recommendations to reposition portfolio to fund goals and provide specific holdings with percentages for your personal portfolio.  
  • Implementation Support:  We'll be here every step of the way with monthly implementation support. 

Professional Portfolio Management + Yearly Review


Best For:

Clients who need standard investment advice as well as portfolio management. We work with individuals as well as small businesses who need 401k, SEP, or a SIMPLE retirement account management. 

Pricing: Starts at 1.25% x Assets Under Management

Services

  • Portfolio Review: Review existing investments and how they are suited to your goals and risk tolerance. Additionally, we will provide recommendations to reposition portfolio to fund goals and provide specific holdings with percentages for your personal portfolio.  
  • Portfolio Recommendations: Customize and manage your portfolio to meet your needs and we'll provide recommendations to implement to get you to your goals. 
  • Yearly Review:  Every year we'll schedule a review to go over your account summary, go over any life updates, review your current goals as well as set new ones . In the meantime, feel free to call us in between. 

Option 4

One-Time Financial Plan

Best For: 

Clients that just want a financial roadmap or professional validation for their current strategy with personal finance and investing. 

Starts at $750 

Services:

  • Financial Wellness Onboarding Process: assessment of your current financial health, learn more about you, and what your goals are.
  • Initial Financial Plan:  We'll dive deep into your finances and how they correlate with your short term and long term goals.  We'll provide recommendations to improve the odds of success for budgeting, savings, and investments.
  • Portfolio Review: Review existing investments and how they are suited to your goals and risk tolerance. Additionally, we will provide recommendations to reposition portfolio to fund goals and provide specific holdings with percentages for your personal portfolio. If no prior investment options exist, we can provide recommendations, if suitable.  

  • 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!



    Client Login

    What do you want to access? 

    To access CIR Statements client login: 

    CIR STATEMENTS

    To access investment account through NetX: 

    NETX INVESTOR

    Frequently Asked Questions

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

    In the videos below, 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.


    Q: Why am I getting correspondence from Cambridge, Pershing and NetXInvestor?

    All three of these companies are people that we work with!

    Cambridge is our Broker-Dealer. They are our back office. They review and approve any new accounts that we set up as well as act as our compliance. https://www.joincambridge.com/investors/

    Pershing is our selected custodian. A custodian is a financial institution that holds the possession of customers securities. Pershing is the company that ultimately holds the funds associated with your accounts.

    NetXInvestor is Pershing’s online account platform. This platform is used to access your statements and annual tax documents.

    In the videos below, 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.

    Q: How do I login to CIRStatements.com?

    Click here to access your online account. If you have not already set-up an account, you can do it directly on the site or you can reach out to us and we will send you an invite.

    Q:  How do I request money from my accounts? 

    We are unfortunately not allowed to take these instructions via email or text. If you need to make a withdraw, please give us a call at 512-231-0890.

    Q: How to add funds to your Pershing account?

    There are a couple of ways to do this.

    1. The “fastest” way is for to set up an electronic funds transfer, (internally we call it an ACH) that directly links your bank account to your investment account. From that point on, anytime you want to add funds to your investment account, you just give us a call.

    2. You can also mail us a check, written out to Pershing LLC. Once received, we will deposit it right into your account.

    Q: How to add funds to your American Fund account?

    There are a couple of ways to do this.

    1. The “fastest” way is for to set up an electronic funds transfer, (internally we call it an ACH) that directly links your bank account to your investment account. From that point on, anytime you want to add funds to your investment account, you just give us a call.

    2. You can also mail us a check, written out to Capital Bank and Trust. Once received, we will deposit it right into your account.

    Q: How do I update my beneficiary information?

    Shoot us a text at 512-231-0890 or you can email us at hello@capitaladvisors.us.

    Q: How do I schedule a meeting to review my accounts?

    Please click HERE and use our online scheduler. As an existing client, Click “Book”  next to the type of meeting you would like. If you are unable to find a time or date that works for you, please call us (512) 231-0890 ext 103.

    Q: How do I update my contact information?

    Shoot us a text at 512-231-0890 or you can email us at hello@capitaladvisors.us.

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