We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.



Comprehensive wealth management, including cash flow, debt and taxes, asset management, asset protection and wealth transfer.


High net worth families, business owners, pre-retirement and retirement individuals.


Fiduciary advisors who put their client’s best interests first.
Certified Financial Planner (CFP) professionals, Masters of Business Administration (MBA), Master’s Degree in Financial Services (MSFS), Chartered Life Underwriter (CLU), and Chartered Financial Consultant (ChFC)


Discretionary asset management implemented based on client interests and goals
Investment strategies include mutual funds, ETF’s, separately managed accounts, and alternative investments:

  • Full range of retirement plan strategies
  • Custodians include Schwab, Fidelity, and Pershing
  • Insurance (life, disability, long-term care, annuities)


Fee-based wealth management, financial planning, and investment management services
Insurance products are fee or commission based on product type.

Strategies for Financial Independence

To schedule a time to discuss your financial future, The Retirement Formula TM, and build your financial strategy, contact us at or call us at (800) 875-1986 today!

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment options to custom suit their needs and objectives.

Have Questions for our team?

It can be difficult to make financial decisions without access to information. If you have questions or concerns about your current retirement strategy, feel free to contact us using the form below.

Retirement Kit

Before you can plan your retirement, you need to know the facts. Fill out the form below to request our complimentary retirement kit today.

Get access to our helpful retirement kit which includes three guides that address topics you should consider when planning your retirement.

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*Guarantees provided by insurance products are backed by the claims-paying ability of the issuing carrier.

The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.

Advisory services offered through Securities America Advisors, Inc. Martin Shapiro, Representative and advisory services offered through Arbor Point Advisors, LLC Richard Gigliotti, Jeremy Keating and Alexander Mele, Representatives.CA Insurance Licenses: Jeremy Keating #0E28476; Richard Gigliotti #0H83102; Alexander Mele #0H82823; Martin Shapiro #0681852

Securities offered in the states of CA, TX, NY, NJ, PA, AZ, NV, MA, CO, AR, GA, IN, MS, MT, OR, TN, WA, WI, LA, FL, DE, NC, SC, MN