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Our Story

Our Story

Retirement. Your Vision. Our Passion.

What do you think of when you hear the phrase “retirement advisor”? How about the word “retirement”? Stress? Uncertainty? What if, instead, the word “retirement” brought images of the dream vacation you’ve been planning for decades or the home in California you always said “would be nice.”

At Macino Financial Services, we are passionate about helping you create your vision for retirement and making the journey toward that vision as relaxing as possible.

Why We Are Here

When David Macino’s father passed away and his mother found herself navigating the complexities of Medicare, David got his first glimpse of the challenges that many face during these transitions. While helping his mother through this difficult time, David was inspired to help others. He left his 25-year career in the automotive industry to follow his new calling. After just a few days working in the health insurance industry, David realized in order to help people the way was compelled to —with honesty and authenticity—he would have to start his own company, rooted in the values that were most important to him. And so 12 years ago Macino Financial Services began helping people realize their dreams and turn them into reality.

What We Do

At Macino Financial Services we are driven by the opportunity to impact a person’s life—and even entire families—in a positive way. We do this by empowering our clients with the confidence they need to find their way to financial freedom.

We want to connect with you and learn about your vision for retirement. We know that change is not easy; we are here to help you construct a solid financial foundation so you can transition easily into the relaxing retirement you want. Be smarter, more informed, and more in control of your retirement.

Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Macino Financial Services are independent of each other. For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management. 

The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. 

Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.
Macino Financial Services and/or David Macino are not affiliated with or endorsed by the Social Security Administration or any other government agency.

Fiduciary duty extends solely to investment advisory advice and does not extend to other activities such as insurance product sales, including annuities, life insurance, and long term care insurance or broker dealer services. Advisory clients are charged a monthly fee for assets under management while insurance products pay a commission, which may result in a conflict of interest regarding compensation. IAR is also a licensed insurance agent. In this capacity, IAR may offer fixed life insurance products and receive normal and customary commissions. The client is under no obligation to purchase products through IAR on a commissionable basis. In addition, IAR may receive other compensation such as fixed or variable life trails. The potential for receipt of commissions and other compensation when IAR acts as an insurance agent may give IAR an incentive to recommend insurance products based on the compensation received.

Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Guarantees are backed by the financial strength and claims paying ability of the issuer.

Investment advisory services are offered through Virtue Capital Management, an SEC Registered Investment Advisor. Macino Financial and VCM are independent of each other. The firm only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration is not an endorsement of the firm by the Commission and does not mean that the adviser has attained a specific level of skill or ability. All investment strategies have the potential for profit or loss. Changes in investment strategies, economic conditions, contributions or withdrawals may significantly alter a portfolio’s performance. There is no guarantee that any specific investment or strategy will be suitable or profitable for a particular client. Past performance is no guarantee of future success. We cannot guarantee that a portfolio will match or outperform any particular benchmark. None of the content should be viewed as an offer to buy or sell, or as a solicitation of an offer to buy or sell the securities discussed. Information on this website does not involve the rendering of personalized investment advice, but is limited to the dissemination of general information on products and services. A professional adviser should be consulted before implementing any of the options presented.