Business Details
30 Years
experience
Your Trusted Financial Wellness Partner
At Capital Choice, we believe in a holistic approach to financial wellness, empowering middle-class Americans to achieve financial independence through education, resources, and tailored solutions. Founded in 1996 by Dick and Sydney Kinnard, our mission emerged from a gap in the financial industry's focus on everyday families rather than just the wealthy. Our team of independent associates across the U.S. specializes in debt reduction, term life insurance, and investment planning, prioritizing client needs over product sales. We utilize proven methods like the Debt Reduction Method and DIME analysis to address individual financial challenges, ensuring clients can protect their families, eliminate debt, and invest for the future.With partnerships in insurance and investment sectors, we provide accessible, affordable options that align with clients' unique goals. Our associates, such as Joey Davis in Tampa and Bill Haight in Phoenix, emphasize personalized support, reflecting our commitment to community-driven financial education. By combining actionable plans with ongoing guidance, we help clients build sustainable financial health, focusing on transparency, flexibility, and long-term stability.
Services
Financial Needs Analysis
Debt Reduction Method
Term Life Insurance
DIME Method
Rule of 72
Magic of Compounding
Managed Money Accounts
Retirement Accounts
Annuities & Mutual Funds
Investment Planning
Details
- Year established: 1996
Highlights and features
- We offer a holistic approach to financial wellness for middle-class families.
- Our associates provide free Financial Needs Analysis tailored to individual goals.
- We implement the proven Debt Reduction Method to eliminate debt efficiently.
- We partner with industry leaders to offer affordable term life insurance options.
- Our team includes experienced associates dedicated to local community needs.
What people say
Personalized financial plans
Effective debt elimination
Affordable insurance options
Knowledgeable associates
Community-focused support
Services
Financial Needs Analysis
Our Financial Needs Analysis evaluates your employment status, assets, liabilities, and goals to create a personalized plan. We prioritize understanding your unique challenges and aspirations, ensuring tailored strategies for debt reduction, insurance, and investment. This service empowers clients to make informed decisions aligned with their financial objectives.
Debt Reduction Method
The Debt Reduction Method focuses on paying off smallest debts first to build momentum. By eliminating smaller balances, clients gain financial flexibility to tackle larger debts efficiently. This approach simplifies budgeting and accelerates progress toward becoming debt-free, fostering long-term financial stability.
Term Life Insurance
Term life insurance safeguards your family's financial future by covering debts, mortgages, and living expenses. Our affordable policies ensure income replacement in case of unexpected loss, using the DIME Method to determine optimal coverage. This service prioritizes simplicity and cost-effectiveness over complex whole-life alternatives.
Retirement Planning
Retirement planning services include IRAs, 401(k)s, and managed accounts to grow your savings. We educate clients on compounding interest and the Rule of 72 to maximize investment growth. Tailored strategies ensure sustainable wealth accumulation aligned with individual risk tolerance and goals.
Investment Management
Investment management services offer annuities, mutual funds, and professional portfolio management. We balance risk and return through diversified investments, leveraging partnerships with CoreCap Investments. This service aims to optimize returns while aligning with clients' financial objectives and timelines.
People
Joey Davis
Associate
Joey Davis educates clients on financial wellness in Tampa, FL, leveraging Capital Choice's resources to support personalized debt reduction and investment strategies.
Bill Haight
Associate
Bill Haight in Phoenix, AZ helps clients achieve financial goals through flexible approaches and partner products tailored to diverse situations.
Sabrina Proano
Associate
Sabrina Proano in Atlanta, GA empowers clients to escape debt cycles and plan for future dreams through targeted financial education.
Jason Cummings
Associate
Jason Cummings in Knoxville, TN assists families in reducing debt stress, enabling focus on personal priorities and long-term stability.
Darryl Johnson
Associate
Darryl Johnson in Chicago, IL specializes in term life insurance to protect family income, ensuring affordable coverage for unexpected needs.
Questions
What services does Capital Choice offer?
We provide financial needs analysis, debt reduction, term life insurance, retirement planning, and investment management tailored to individual goals.
How does the Debt Reduction Method work?
This method prioritizes paying off smallest debts first to build momentum, simplifying budgeting and accelerating progress toward financial freedom.
What is the DIME Method for life insurance?
DIME calculates coverage needs by assessing death/debt, income replacement, mortgage, and education costs to protect your family's financial future.
Can I start investing with small savings?
Yes, our services help free up funds through debt reduction, enabling clients to begin investing even with limited initial savings.
How do I become a Capital Choice associate?
Visit our website to explore opportunities and connect with our team for training, resources, and support in financial wellness.
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