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We endeavor to know and understand your financial situation

Capital Financial Management NC. Inc

About

Capital Financial Management NC. Inc

If you’re serious about your financial future, we’re serious about helping you.

Capital Financial Management NC, Inc is an independent investment advisory firm located in Fuquay-Varina serving the state of North Carolina. Our team works for pre- and current retirees just like you who want straight talk and are tired of high fees and low returns. We build relationships and financial strategies through honesty, integrity and service.

As a Registered Investment Advisor, we can provide some of the most dynamic and advanced money
management strategies available today, utilizing portfolio strategies and software to monitor your accounts and alert you if action needs to be taken.

We are a fee-based company that does not charge commissions, regardless of the number of trades in our actively managed portfolios. There’s just one annual fee for our financial advise and services.

Professional business portrait by Christer Berg (Portraits with Purpose), Raleigh NC

Empowering Your Retirement

Meet The Team

Professional business portrait by Christer Berg (Portraits with Purpose), Raleigh NC

Donald Delaria Jr.

Founder / CEO

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Professional business portrait by Christer Berg (Portraits with Purpose), Raleigh NC

Don Delaria III

IT, Head of Security, and Intellectual Properties

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Professional business portrait by Christer Berg (Portraits with Purpose), Raleigh NC

Sam

Insurance Sales Agent

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Professional business portrait by Christer Berg (Portraits with Purpose), Raleigh NC

Kayla

Executive Adminstrative Assitant

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Senior Wealth Advisors

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Our Financial Solutions

Our three-step planning process works to help identify and implement suitable financial strategies focused on addressing our clients needs and working toward their long-term goals and objectives for retirement. Click on a step below to learn more.

Our Approach

01

Start Smart

02

Apply Discipline

03

Communicate Progress

Our Financial Services

Legacy and Estate Planning

Legacy and Estate Planning is about protecting the people who matter most and ensuring your life’s work continues to support them. A truly complete plan goes far beyond a basic will; it uses smart tools like trusts and clear beneficiary designations to protect your assets, shield your family from the stress of probate court, and minimize unnecessary taxes. By organizing your wishes today, you remove a heavy administrative burden from your loved ones during a difficult time, giving you total peace of mind that your family is secure, your values are preserved, and your legacy is passed on exactly as you intended.

Retirement Savings Optimization

Retirement savings strategies involve a comprehensive approach that balances consistent saving during your working years with potential tax-advantaged withdrawal strategies in retirement.

Key steps include fully utilizing tax-advantaged accounts, diversifying investments to help manage risk, and strategically evaluating the timing of Social Security benefits.

Income Planning

Through our retirement planning process, we will review your current income situation and analyze potential income in retirement. We work with you to develop a strategy designed to provide sustainable income throughout your lifetime. We’ll help you evaluate your Social Security options and seek to increase the benefits for your situation.

If you have a pension, we will guide you through the options available and help you make an informed decision. Our process also addresses other considerations, such as potential impacts from inflation, taxation, or the loss of a spouse.

Life Insurance

Life Insurance is more than just a financial safety net; it is a profound gift of certainty and security for the people who depend on you. By putting a tailored policy in place, you ensure that if the unexpected happens, your family has the immediate financial resources to pay off a mortgage, replace lost income, fund college tuition, and maintain their standard of living without disruption. Beyond its foundational protection, certain types of life insurance can also serve as a versatile financial tool during your lifetime, building cash value that grows tax-advantaged and can be accessed down the road. Ultimately, it gives you the absolute peace of mind that your loved ones will remain on solid financial ground, allowing you to focus on enjoying the present with them.

Asset Allocation & Risk

Many Americans entering retirement come to find that the right
asset allocation and risk can be just as important as the actual dollar amount they have saved. You’ve worked hard for years to save for retirement, and now that time is upon you. Perhaps you’re now wondering
if all the pieces are in place for you to enjoy a happy and worry-free retirement. Are your assets allocated
properly?

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Our Educational Events

At Capital Financial Management NC. Inc we believe in the value of financial education and accessibility. We provide resources through digital education platforms designed to help you make informed decisions. We believe an informed client is better positioned to pursue their financial goals. Click here to subscribe to the Capital Financial Management NC. Inc newsletter.

UPCOMING EVENTS

Events in August 2026

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    Our Guides and Blog

    Financial Educational Literature

    Ultimate 401(k) Guide
    How to Take Control of Your 401(k) Before and After Retirement

    The 401(k) is one of the most important retirement planning tools we have. You pay into it for decades and will likely rely on it, among other income sources, for many more decades in retirement. The potential tax benefits and power of compound returns can make it a great savings and investment tool for retirement. But to make the most of these accounts requires an informed strategy. There are several important things to know about your 401(k), such as how much you can contribute, options for your 401(k) when you leave your job, and how much you are paying in 401(k) fees.

    Browse Our Blog

    Trump Accounts: Building Wealth for the Next Generation

      As a parent, you might be looking for ways to provide for your children’s long-term financial goals. You may have heard of 529 accounts to help save for higher education or brokerage accounts (including UTMA & UGMA custodial accounts), but there’s a new option available starting this year: Section 530A accounts, also known as Trump Accounts. Established under the One Big Beautiful Bill Act, these [...]

    April 6th, 2026|

    Our Video Library

    What’s a Risk Score?

    Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

    It’s important that investors understand their risk tolerance so that they can help guide the design of their investment strategy. This approach looks to balance the investor’s desire for returns goals with their ability to stay confident and invested throughout market cycles.

    To help investors understand their risk threshold we deploy a proprietary algorithm rooted in the well-known Value at Risk (VaR) measurement that helps us quantify their sentiment toward financial uncertainty, specifically their emotional tolerance with respect to the magnitude and speed of potential investment loss. This Analysis provides them with a VaR Score that can help determine if their existing portfolio aligns with their risk tolerance.

    Risk-Tolerance

    Intelligent, Disciplined Investing with AssetLock®

    AssetLock® is Simplicity Wealth’s proprietary, investment portfolio monitoring service that delivers personalized communications to advisors and investors in a secure environment.

    This technology keeps investors informed about the progression of their portfolio in accordance with their risk tolerance determined by the investor’s household portfolio VaR Score.

    Contact Capital Financial Management NC. Inc

    At Capital Financial Management NC. Inc, we believe strong financial planning is built on relationships. We take the time to understand your goals, concerns, and family dynamics—because financial planning isn’t just about numbers, it’s about life. Our team is committed to providing consistent, personalized guidance, ensuring you have a dedicated advisor who understands your long-term financial journey.

    Schedule Your Complimentary Retirement Review

    At Capital Financial Management NC. Inc our approach goes beyond investment management.
    We focus on helping you strengthen your retirement strategy.

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