Michael J. Opalski

CAPITAL INVESTMENT ADVISORS

Easton, MD

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CRD#: 4743109

Professional summary

Michael Jozef Opalski, who also goes by Michael Josef Opalski, is a registered financial advisor currently at CAPITAL INVESTMENT ADVISORS located in Easton, Maryland and CAMBRIDGE INVESTMENT RESEARCH, INC. located in Easton, Maryland.

Michael is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2004. Michael has worked at 9 firms and has passed the Series 66, Series 7TO, SIE and Series 7 exams.

Question & Answer

Are you a "fiduciary"?

Yes

Aliases

Michael Josef Opalski

Other business activities

Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.

The advisor shows no other business activity.

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael Jozef Opalski's CRS (Customer Relationship Summary).

CRS (Customer Relationship Summary)

Certified licenses

Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®

None

Experience

Current

January 12, 2026 - Present

CAPITAL INVESTMENT ADVISORS

RIA

CRD#: 118269

Easton, MD

Current

December 1, 2025 - Present

CAMBRIDGE INVESTMENT RESEARCH, INC.

Office #1: 28070 Baileys Neck Rd., Easton, MD 21601

CRD#: 39543

Easton, MD

Past

July 19, 2025 - October 6, 2025

VOYA FINANCIAL ADVISORS, INC.

CRD#: 2882

POTOMAC, MD

Past

October 8, 2009 - April 22, 2010

GROVE POINT INVESTMENTS, LLC

RIA

CRD#: 1763

BETHESDA, MD

Past

September 8, 2009 - April 22, 2010

GROVE POINT INVESTMENTS, LLC

CRD#: 1763

BETHESDA, MD

Past

August 6, 2008 - May 28, 2009

TD AMERITRADE, INC.

CRD#: 7870

BETHESDA, MD

Past

July 31, 2008 - May 28, 2009

TD AMERITRADE, INC.

RIA

CRD#: 7870

BETHESDA, MD

Past

July 31, 2008 - May 28, 2009

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

RIA

CRD#: 111514

BETHESDA, MD

Past

June 3, 2004 - June 9, 2008

VOYA FINANCIAL PARTNERS, LLC

RIA

CRD#: 34815

EASTON, MD

Past

June 3, 2004 - June 9, 2008

VOYA FINANCIAL PARTNERS, LLC

CRD#: 34815

EASTON, MD

Past

March 18, 2004 - April 13, 2004

AMERIPRISE FINANCIAL SERVICES, LLC

RIA

CRD#: 6363

ROCKVILLE, MD

Past

March 3, 2004 - April 13, 2004

IDS LIFE INSURANCE COMPANY

CRD#: 6321

MINNEAPOLIS, MN

Past

March 3, 2004 - April 13, 2004

AMERIPRISE FINANCIAL SERVICES, LLC

CRD#: 6363

MINNEAPOLIS, MN

Primary Firm SEC Registration

This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".

CAPITAL INVESTMENT ADVISORS

CRD#: 118269 / SEC#: 801-110008

RIA

Registered Investment Advisory firm - (2/27/2017 Approved)

Delaware

Registered Investment Advisory firm - (3/15/2017 Terminated)

District of Columbia

Registered Investment Advisory firm - (3/13/2017 Terminated)

Maryland

Registered Investment Advisory firm - (4/14/2017 Terminated)

Pennsylvania

Registered Investment Advisory firm - (3/15/2017 Terminated)

Virginia

Registered Investment Advisory firm - (3/13/2017 Terminated)

Why is a state registration marked "Terminated"? When a firm registers with the SEC (usually after managing $100M+ AUM), it often withdraws separate state firm registrations unless required by that state. The firm can still serve clients there through its individually registered Investment Advisor Representatives (IARs).

State Registrations and Notice Filings

Listed states reflect where the advisor is authorized to serve clients under state regulations.

IAR

means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.

indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.

Visual representation of state registrations

Delaware
(12/1/2025)

IAR

Delaware
(1/12/2026)

District of Columbia
(12/1/2025)

IAR

District of Columbia
(2/11/2026)

Maryland
(12/1/2025)

IAR

Maryland
(1/12/2026)

Pennsylvania
(12/1/2025)

IAR

Pennsylvania
(1/12/2026)

Virginia
(12/1/2025)

IAR

Virginia
(1/12/2026)

Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state. Note: This rule does not apply to broker-dealer activity.

Exams

State Security Law Exam

IAR

Series 66

Date: 9/26/2025

Uniform Combined State Law Examination

General Industry/Product Exam

Series 7TO

Date: 7/18/2025

General Securities Representative Examination

General Industry/Product Exam

SIE

Date: 5/5/2025

Securities Industry Essentials Examination

General Industry/Product Exam

Series 7

Date: 3/2/2004

General Securities Representative Examination

SRO Registrations

FINRA

Current Firm

CAPITAL INVESTMENT ADVISORS

CRD#: 118269 / SEC#: 801-110008

RIA

Registered Investment Advisory firm - (2/27/2017 Approved)

Delaware

Registered Investment Advisory firm - (3/15/2017 Terminated)

District of Columbia

Registered Investment Advisory firm - (3/13/2017 Terminated)

Maryland

Registered Investment Advisory firm - (4/14/2017 Terminated)

Pennsylvania

Registered Investment Advisory firm - (3/15/2017 Terminated)

Virginia

Registered Investment Advisory firm - (3/13/2017 Terminated)

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Contact information

Main Address

1000 Potomac Street N.w. Suite 300, Washington D.c., DC 20007

Mailing Address

Phone number

(240) 482-4000

Established

Firm type

Fiscal year end

# of Employees

SEC notice filing (11 States and Territories)

Documents

Customer Relationship Summary (CRS / SEC)

Latest Form ADV

Part 2 Brochures

CIA FORM ADV 2A FIRM BROCHURE (9/25/2025)

Regulatory assets under management

Total Number of Accounts	1,416
AUM (Assets Under Management)	$ 302,256,086

Red Flags

Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.

Check for any disclosures as part of your thorough research when choosing an advisor.

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Advisor Monitoring

Firm Stability Insights

Michael J. Opalski

Professional summary

Question & Answer

Aliases

Other business activities

Blog Corner

CRS (Client Relationship Summary) - RIA

Click below to view Michael Jozef Opalski's CRS (Customer Relationship Summary).

Certified licenses

Experience

CAMBRIDGE INVESTMENT RESEARCH, INC.

VOYA FINANCIAL ADVISORS, INC.

GROVE POINT INVESTMENTS, LLC

GROVE POINT INVESTMENTS, LLC

TD AMERITRADE, INC.

TD AMERITRADE, INC.

TD AMERITRADE INVESTMENT MANAGEMENT, LLC

VOYA FINANCIAL PARTNERS, LLC

VOYA FINANCIAL PARTNERS, LLC

AMERIPRISE FINANCIAL SERVICES, LLC

IDS LIFE INSURANCE COMPANY

AMERIPRISE FINANCIAL SERVICES, LLC

Primary Firm SEC Registration

CAPITAL INVESTMENT ADVISORS

State Registrations and Notice Filings

Exams

Series 66

Date: 9/26/2025

Series 7TO

Date: 7/18/2025

SIE

Date: 5/5/2025

Series 7

Date: 3/2/2004

FINRA

Current Firm

CAPITAL INVESTMENT ADVISORS

Contact information

SEC notice filing (11 States and Territories)

Documents

Part 2 Brochures

Regulatory assets under management

Red Flags

Company Information

CAPITAL INVESTMENT ADVISORS

TRUST BUT VERIFY

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