Your money has a story.
Let's write the next chapter.
Financial advisory that starts with understanding you—your goals, your timeline, your definition of enough. No boilerplate plans. No pressure. Just clear, honest guidance from someone who lives here and cares about the outcome.
Services built around
your life's priorities
Whether you're planning for retirement, navigating a career transition, or thinking about how your assets will serve the people you leave behind—we meet you where you are.
Wealth Management
Holistic portfolio management that aligns your investments with your values, timeline, and risk tolerance—rebalanced with intention, not autopilot.
Learn moreRetirement Planning
A retirement plan isn't a spreadsheet—it's a roadmap to the life you want. We build strategies that adapt as your circumstances change.
Learn moreEstate Planning
Protect what matters most. From wills and trusts to healthcare directives, we help you create a plan that gives your family clarity and confidence.
Learn moreTax Strategy
Smart tax planning can preserve more of what you've built. We identify opportunities throughout the year, not just at tax time.
Learn moreInsurance Analysis
Life, disability, and long-term care insurance are pieces of a larger picture. We help you understand what you need and what you don't.
Learn moreCollege Planning
Funding education shouldn't compromise your retirement. We explore 529 plans, savings strategies, and financial aid to find the right balance.
Learn more
Financial guidance that feels like
a conversation, not a pitch
I started Ben Herritage with a simple conviction: financial advice should serve the person, not the product. Too many people walk into an office and leave feeling like a number. That's not how I work.
Based here in Columbia, I take the time to understand what you're working toward—whether that's a comfortable retirement, protecting your family's future, or building wealth that actually reflects your values. Every plan I create is tailored to your specific situation, not pulled from a template.
I believe in transparency, patience, and showing up consistently. When life changes—and it will—your plan changes with it. That's the kind of relationship I build.
Fiduciary Standard
Always your best interest
Local & Accessible
In-person meetings welcome
Transparent Fees
No hidden charges or surprises
Ongoing Support
Regular check-ins, not just annual reviews
Four steps to a plan
that actually works
The process is straightforward by design. We start by listening, then build, then refine—together.
Discovery
We begin with a conversation—no agenda, no pressure. I want to understand where you are, where you want to go, and what matters most to you along the way.
Analysis
I review your current financial picture—assets, liabilities, income, goals—and identify gaps, opportunities, and potential risks before they become problems.
Strategy
Together, we design a personalized plan. Every recommendation is explained clearly, with trade-offs laid out so you can make informed decisions with confidence.
Execution
We put the plan into action and monitor it closely. As your life evolves, so does your strategy—because a plan that doesn't adapt isn't serving you.
Ready to take the next step?
Let's talk.
The first conversation is always free and obligation-free. Whether you're just starting to think about retirement or you need a fresh perspective on your current plan, I'm here to help.
We'd love to
hear from you
Reach out by phone, email, or visit us at our office near the University of South Carolina. We respond to every inquiry within one business day.
Phone
(803) 561-9003
ben@capitalfinancial-advisors.com
Office
388 St Andrews Rd
Columbia, SC 29210-4427
Hours
Monday–Friday: 9:00 AM–5:00 PM
Saturday–Sunday: By appointment
