Broker Check

4084 University Drive
Suite 101
Fairfax, VA 22030


We believe our teamwork approach adds a broader perspective to all we do and provides increased benefits to our clients.

Our team of financial professionals can help you address:

  • Investing principles and strategies
  • Retirement investing and distribution strategies
  • Estate conservation issues 
  • Risk management

We also can answer your questions, including:

  • Can I retire early?
  • Are my investments working hard enough?
  • What’s the best approach for college savings?
  • What are the elements of a sound estate strategy?
  • Do I have enough life insurance for my family?

Our experienced professionals have helped many people just like you with similar issues and concerns. We specialize in creating an approach that is designed to address your individual situation.

Patricia (Patt) Garman, CFP®, founded Capital Planning & Investments, Inc. in 1993. Patt is a Financial Advisor and a Registered Principal. She is the Managing Principal and serves as Capital Planning & Investment’s Chief Compliance...

Read more

Janis (Jan) Lowstuter serves as Client Services Administrator and Executive Assistant at Capital Planning & Investments. She brings to Capital Planning & Investments an in-depth insurance background including over eight years of...

Read more

Michael (Mike) Torrey was born in La Jolla, CA. He graduated from Robinson Secondary School in Fairfax County and from the University of Kansas, earning a B.A. in Personnel Administration. Mike is a CERTIFIED FINANCIAL PLANNERTM and...

Read more

Melissa joined Capital Planning in 2013 as Administrative Assistant and Web Master. She gained her early administrative experience in the U.S Navy. Melissa was honorably discharged in July of 1997. Melissa has an extensive background...

Read more