Financial Advice

At Capital Financial, we always begin with a customized planning analysis, reviewing all aspects of a client’s financial situation including savings, income, investments, IRAs, 401(k)s, 403(b)s, bills, taxes, fees, risks, family and more. Then we determine the best course of action to maximize your current income and future earning potential.

Our process

To deliver to those who are thoughtfully preparing for or are already in their retirement, the gift of financial clarity for themselves and their family. We do this by working with our clients to help them determine their financial goals and then tailoring a custom portfolio which is engineered specifically for them.

Since we have gained the respect of our clients and many others, we take our job very seriously. This is one reason why we are so committed to doing everything we can to stay in front of our competition by continuing to be familiar with the newest investment structures in the industry.

We listen

We get to know you, your goals, and your unique situation. By developing a close working relationship, we ensure that the plan we design will lead you to the retirement you envision.

We Plan

We develop a strategic plan to help you meet all your financial and retirement goals. Our holistic approach also addresses concerns such as tax minimization and legacy planning.

We Implement

We put your customized plan into action in a swift and efficient manner, while ensuring you feel comfortable throughout the entire process.

We Adapt

We monitor your plan and offer updated strategies as your life changes. “Life happens” and sometimes you need to adjust your plans. You can feel confident knowing that we are there for you to provide guidance and advice every step of the way.

As the world has become more complex, so has our financial lives.

Many of the people that seek financial help do so because there are too many choices today, and the information that is available is overwhelming. Let Capital Financial & Insurance, LLC help!

We are a completely independent and fiduciary firm, assisting those who are retired or looking to retire soon with financial clarity and tax planning. First and foremost, we listen. We meet with our clients to understand their present and future needs.

Personalized long-term relationships with a strong emphasis on client education

Over the years, we have made a real difference in many people’s lives. Our clients have told us that they now feel in control, and finally have added peace of mind regarding their improved financial situation.

Whether you’re exploring retirement for the first time, looking for a second opinion, or are simply unhappy with your current financial situation, give us a call. Capital Financial & Insurance is an independent firm, specializing in helping individuals preserve and grow their retirement accounts while implementing advanced tax and estate planning strategies.

Our Philosophy

Our simple philosophy will help you to accumulate wealth while protecting your assets and planning for a healthy retirement. You’ve worked hard to build your future—now we work hard to help protect it. With diversified portfolios, we help guard your hard-earned assets to build the retirement you’ve always dreamed of.

Core Services

Lifetime Income

Identifying the right strategies to best serve your financial needs and ensure a steady income stream in retirement (based on the claims-paying ability of the insurance company).

Client Education

Providing our clients with the tools, resources, and advice they need to feel confident and knowledgeable about all their financial decisions.

Investment Planning

Advising our clients on the most effective ways to grow and protect wealth, so that they can transition confidently into their retirement years.

Insurance

Offering cost-effective options for life and long-term care insurance that can manage risk and provide peace of mind for the future.

Tax Minimization Planning

Effectively managing and offsetting taxes and other expenses in conjunction with tax planning professionals and CPAs to maximize the return on your income and investments.

Longevity Planning

Combining careful planning with the appropriate legal protections at your disposal to maximize the value of your estate and minimize taxes and other undue expenses.

Social Security

Providing guidance to clients as they navigate the complexities of the Social Security system, and make decisions that will greatly impact their financial situation in retirement.