At Macino Financial, our retirement plan services meet the needs of organizations providing these services as well as individual investors. David Macino understands that offering an attractive retirement savings plan is essential to attract top talent. He assists you in creating and managing 401(k), Simple IRA, SEP IRA plans, and other tax-deferred savings plans for your employees. Clients describe David as knowledgeable, comfortable to work with, honest, and caring.
Many employers feel overwhelmed when they consider creating a retirement savings plan for their employees. You have several things to consider, such as:
Prior to becoming a financial services advisor over 13 years ago, David worked for 25 years in the automotive industry. He understands the challenges of managing a successful business, including offering attractive retirement plan services. His combined career experiences make him a natural for evaluating your company’s needs and establishing this important employee benefit. He checks in with you periodically to determine the success of your plan offerings and can help you make adjustments if necessary.
It’s not uncommon for people to forgo enrolling in a 401(k) plan at work simply because they don’t understand the benefit of doing so. This is especially true of young adults who may not have been raised with a savings mindset. Even when they gain additional funds through your company’s matching contributions, they may feel hesitant to sign up for another payroll deduction. David presents information in a responsive manner that makes people feel relaxed. By the end of the session, they understand that they don’t want to leave money on the table.
Your employees are all at different life stages. What may seem like an excellent retirement plan for one could not be feasible to another. He presents a range of financial solutions to meet the highest degree of need.
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.