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Who We Help

Who We Help

retirement plan services

Achieve Your Goals and Live Happily in Retirement

As you think about retirement, perhaps you’ve had one of the following questions:

  • At what age can I/we realistically retire?
  • How much will I/we need to live happily in retirement?
  • How much should I/we be saving for retirement?
  • How can my spouse and I get on the ‘same page’ financially leading up to and in retirement?
  • How much will my/our Social Security income payments be?
  • What’s my/our plan for not outliving retirement savings?

If you’re in the “Retirement Red Zone” – a period 10 years before retiring or within the first 10 years after retiring – and need answers to these and other questions, we can help.

Macino Financial Services’ Ideal Client

Macino Financial Services works with individuals and couples in Ohio and Michigan who are actively building their retirement funds. They have a desire to maintain or accelerate the growth of their nest egg and need education about the options and methods available to protect/preserve their life-long savings and turn their retirement investments into steady income.

Our “ideal” clients have simple financial goals leading up to and during retirement:

  • A smooth retirement transition
  • Balance –  financial, individually and in their relationship
  • Stay healthy –  financial, body and mind
  • Live Happily Retired™
  • Have the confidence to spend your money in retirement
  • Use money wisely in retirement
  • To be on solid ground in retirement

Does this sound like you? Read more about how we can help.

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.