Business Details
31 Years
experience
Your Trusted Partner for Financial Wellness Solutions
Capital Choice empowers Americans with education and resources to achieve financial wellness through a holistic approach. Founded in 1995 by Dick and Sydney Kinnard, we address the financial needs of middle-class families by combining debt reduction, term life insurance, and investment strategies. Our team of thousands of independent associates across the U.S. prioritizes client education and personalized financial planning. We utilize proven methods like the DIME analysis for life insurance needs and the Debt Reduction Method to eliminate debt systematically. Our partnerships with industry leaders ensure access to tailored insurance and investment products.With a focus on financial independence, we help clients protect income, reduce debt, and invest for long-term security. Our associates, like Joey Davis in Tampa and Bill Haight in Phoenix, deliver localized expertise supported by national resources. We emphasize transparency, client-centric service, and actionable plans to improve financial health. Our mission remains to shift the financial landscape by enabling everyday families to take control of their futures. Since our inception, we have grown from six founding members to a nationwide network dedicated to financial education and opportunity.
Services
Financial Needs Analysis
Debt Reduction Method
Term Life Insurance
Rule of 72
Magic of Compounding
Managed Money Accounts
Retirement Accounts
Details
- Year established: 1995
Highlights and features
- We offer a holistic approach to financial wellness, addressing debt, insurance, and investment needs.
- Our associates provide localized expertise supported by national resources and proven methodologies.
- We deliver free Financial Needs Analysis to tailor plans to individual client circumstances.
- Our Debt Reduction Method systematically eliminates debt starting with smallest balances.
- We partner with industry leaders to offer affordable term life insurance and investment options.
What people say
Knowledgeable associates
Effective debt reduction
Affordable term life insurance
Personalized financial plans
Investment education
Services
Financial Needs Analysis
Our Financial Needs Analysis creates personalized plans by assessing employment status, assets, liabilities, and goals. We listen to client challenges, review financial situations, and develop tailored strategies. This process helps clients reduce debt, protect income, and invest for long-term financial wellness.
Debt Reduction Method
The Debt Reduction Method prioritizes paying off smallest debts first to build momentum. By systematically eliminating debts, clients free up funds for larger obligations and investments. This approach reduces financial stress and creates a clear path to debt freedom.
Term Life Insurance
Term life insurance protects families against income loss from unexpected death. Using the DIME Method, we calculate coverage needs for debt, income replacement, mortgage, and education. Affordable term policies ensure families maintain financial stability during crises.
Rule of 72
The Rule of 72 estimates how long investments take to double at given return rates. This tool helps clients understand compounding interest and make informed decisions about retirement accounts, annuities, and mutual funds for long-term wealth building.
Retirement Accounts
We guide clients through retirement account options like IRAs and 401(k)s. Our strategies focus on tax advantages, investment choices, and employer-matched contributions. Managed money accounts and annuities provide diversified, professional investment solutions for secure retirement planning.
People
Dick Kinnard
Founder
Co-founded Capital Choice in 1995 after leaving corporate America to serve underserved communities. Advocates for financial education and opportunity for middle-class families through innovative solutions.
Sydney Kinnard
Founder
Co-founded Capital Choice to address financial needs of everyday Americans. Focuses on empowering clients through debt reduction, insurance, and investment education to achieve long-term financial independence.
Joey Davis
Associate
Associate in Tampa, FL, using Capital Choice resources to educate clients on financial wellness. Tailors solutions to individual needs while leveraging partner products for comprehensive financial planning.
Bill Haight
Associate
Phoenix-based associate combining flexible approaches with partner products to help clients achieve financial goals. Focuses on personalized strategies for debt reduction and investment growth.
Sabrina Proano
Associate
Atlanta associate specializing in debt elimination education. Helps clients stay out of debt while building savings for future financial goals through structured financial wellness programs.
Questions
What financial services does Capital Choice offer?
We provide debt reduction, term life insurance, retirement planning, and financial education through personalized Financial Needs Analysis.
How does the Debt Reduction Method work?
This method prioritizes paying off smallest debts first to build momentum, freeing funds for larger obligations and investments.
What is the DIME Method for life insurance?
DIME calculates coverage needs by assessing death expenses, income replacement, mortgage, and education costs to protect families financially.
How can I start investing for retirement?
We help clients choose between IRAs, 401(k)s, annuities, and mutual funds based on individual goals and risk tolerance.
Are services available nationwide?
Yes, our network of thousands of independent associates operates across the United States to serve local communities.
How do I get a free Financial Needs Analysis?
Contact a local associate through our website to schedule a free consultation and create your personalized financial plan.
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