Welcome​

Where Old-Fashioned Values Are Applied to MODERN DAY INVESTING.

“Retirement shouldn’t feel uncertain. If you’re worried about taxes, market volatility, or simply making your money last, you’re not alone — and you don’t have to figure it out alone. At Belmont Capital Advisors, we listen first, explain clearly, and guide you every step of the way."

- JoePat Roop, President of Belmont Capital

Retirement Planning Pie Chart

With over 2,000 families guided successfully through retirement, we bring proven experience in creating and executing customized financial strategies that allow our client to enjoy their retirement years.

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Our Mission

At Belmont Capital Advisors, we help retirees across the Carolinas gain clarity and confidence in their financial future. Our mission is simple: to eliminate financial uncertainty so our clients can focus on living the retirement they deserve—one filled with prosperity, protection, and preservation. With a proven process and decades of experience guiding over 2,000 families, we create customized strategies to safeguard what matters most and ensure every client enjoys a secure and fulfilling retirement.

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Retirement should be a time to enjoy the life you’ve worked hard to build— not a time filled with financial uncertainty. Our free “5 Steps to Retirement” guide will walk you through the essential building blocks to create a retirement plan that fits your goals, lifestyle, and legacy.

Your future is worth planning for.

Take control today with our free guide and start building the retirement you deserve.

Investment planning

You have worked so hard to build up your life savings and now you should have it working for you. When it comes to ever-changing markets, diversification is key.

Unlike one-size-fits-all approaches, our investment strategies are tailored to your needs,

whether you’re nearing retirement or already retired. We focus on low-volatility investments that seek consistent returns while minimizing exposure to market downturns.

By balancing growth opportunities with risk management, Belmont Capital Advisors can help

protect your wealth and keep you on track toward your retirement goals.

  • Minimizing & Managing Risk
  • Discuss investment options that will work best for you
  • Annuities
  • CD’s
  • Inflation Protection

Medicare and long-term care

Healthcare costs can be one of the biggest expenses in retirement, making Medicare and long-term care planning essential. Navigating Medicare options can be complex, but with the right strategy, you can ensure access to quality healthcare while protecting your retirement savings.

At Belmont Capital Advisors, we help you understand your Medicare choices and how they fit into your overall retirement plan. From selecting the right coverage to planning for long-term care needs, we provide personalized strategies to give you peace of mind.

By preparing for medical expenses and potential long-term care costs, we help safeguard your wealth and ensure you receive the care you need—without unnecessary financial stress.

  • Understanding Medicare options & enrollment
  • Managing healthcare costs in retirement
  • Long-term care planning to protect your assets
  • Exploring Medigap & Medicare Advantage plans
  • Evaluating long-term care insurance & alternative solutions

estate planning

Ensuring your loved ones are cared for shouldn’t be stressful. Belmont Capital Advisors makes trust and will planning seamless, so you can protect your legacy without the complexity.
Our comprehensive estate strategies help minimize taxes, avoid probate, and secure your assets through trusts, wills, beneficiary reviews, and long-term care planning. With our guidance, you can confidently safeguard your wealth and provide for future generations—without the hassle.
  • Long-term care alternatives
  • Beneficiary reviews
  • Trusts (revocable and irrevocable)
  • Wills to avoid probate
  • Asset ownership
  • Reducing taxes on estate

Social security optimization

Social Security plays a vital role in retirement income, making it essential to understand the best time and strategy for claiming your benefits. While you can begin receiving reduced benefits at 62 or wait until 70 for a larger payout, the right choice depends on your unique financial situation.

At Belmont Capital Advisors, we provide expert guidance to help you optimize your Social Security benefits while minimizing potential tax burdens. As government support continues to evolve, our strategic approach ensures you make informed decisions that maximize your income and strengthen your financial future.

  • Minimizing Taxes on Social Security
  • Delaying Benefits
  • Claiming Spousal Benefits

Income

Retirement brings newfound freedom, but it can also bring uncertainty—especially

when it comes to replacing the steady paycheck you relied on during your working years. The thought of managing expenses without a predictable income can be overwhelming, making it crucial to have a well-structured plan in place.

At Belmont Capital Advisors, we specialize in creating reliable income strategies tailored to your needs.

Our goal is to ensure you have a consistent and sustainable cash flow throughout

retirement, so you can focus on enjoying life rather than worrying about where your money is coming from.

  • Evaluate expenses
  • Consider guaranteed income options
  • Calculate RMD’s (Required Minimum Distributions)
  • Develop a Withdrawal strategy

Tax Planning

Taxes can be the largest expense in retirement and many retirees unknowingly pay more in taxes than necessary, reducing the funds they could be using to enjoy their retirement. At Belmont Capital Advisors, we specialize in tax efficient retirement strategies to help you keep more of what you’ve worked so hard to earn.

  • Designing a custom tax plan strategy just for you.
  • Examining your pre-taxable retirement accounts.
  • Income tax planning.
  • Working to minimize your taxes as much as possible.
  • IRA/ 401(k) Rollovers
  • RMD’s
  • Roth Conversions