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Your Trusted Financial Partner for Retirement Planning in Holland, OH
Macino Financial Service has been dedicated to empowering clients in the Toledo, Ohio area with comprehensive financial planning solutions since our founding. Our team specializes in retirement planning, Social Security optimization, and insurance strategies tailored to individual needs. With over 19 years of industry experience, we combine personalized service with rigorous professional standards to help clients navigate complex financial decisions.Our commitment to continuous education ensures we stay at the forefront of evolving retirement strategies and regulatory requirements. We pride ourselves on transparent communication, ethical practices, and a client-first approach that prioritizes long-term financial security over short-term gains.
Services
Retirement Planning
Social Security Optimization
401k Management
Insurance Products
Mortgage Protection
Federal Employee Benefits
Wealth Transfer Strategies
Long-Term Care Planning
Stop Loss Portfolios
Charitable Giving
Highlights and features
- We offer 19+ years of specialized retirement planning expertise
- Our team holds advanced certifications in federal benefits and investment advisory
- We maintain Better Business Bureau accreditation with ethical business practices
- We provide comprehensive, personalized financial strategies beyond basic 401k plans
- Our fiduciary duty ensures recommendations align with client interests first
Associations and certifications
- Series 65 License
- National Social Security Advisor Certification
- Better Business Bureau
- Federal Retirement Consultant Certification
Services
Retirement Planning
Our comprehensive retirement planning service creates customized roadmaps for financial independence. We analyze current assets, projected income, and lifestyle goals to develop tax-efficient withdrawal strategies while optimizing Social Security benefits. Our approach integrates risk management and estate planning considerations to ensure long-term security.
Social Security Optimization
We specialize in maximizing Social Security benefits through strategic claiming strategies. Our analysis considers spousal benefits, delayed retirement credits, and tax implications to create personalized plans that enhance lifetime income while coordinating with overall retirement strategies.
401k Retirement Planning
Our 401k optimization service helps employees and employers navigate retirement savings options. We provide investment selection guidance, contribution strategy analysis, and fiduciary support that aligns with individual goals and corporate objectives while maintaining compliance with regulatory requirements.
Mortgage Protection Insurance
This specialized insurance solution protects homeowners against mortgage payment defaults during disability or unemployment. Our policies offer customizable coverage periods and death benefit options that ensure housing security while maintaining financial stability during unexpected life events.
Federal Employee Benefits
We provide specialized guidance for federal employees navigating FERS/CSRS retirement systems. Our expertise covers TSP optimization, FEGLI life insurance, and FLTCIP long-term care planning that maximizes government benefits while addressing unique retirement challenges faced by public servants.
People
David P. Macino
Founder and President
David Macino brings 19+ years of financial advisory experience to Macino Financial Service. A certified Federal Retirement Consultant with Series 65 licensing, he specializes in retirement income strategies and insurance planning. His background includes automotive industry sales leadership before transitioning to financial services, where he focuses on empowering clients through comprehensive financial education and personalized guidance.
Questions
What retirement planning services do you offer?
We provide comprehensive retirement planning including Social Security optimization, 401k management, pension strategies, and tax-efficient withdrawal planning tailored to individual financial situations and goals.
Do you specialize in federal employee retirement benefits?
Yes, we offer specialized guidance for federal employees including FERS/CSRS planning, TSP optimization, and coordination of government-provided insurance programs with personal retirement strategies.
What insurance products do you recommend?
We offer long-term care, disability, life insurance, and mortgage protection solutions that integrate with overall financial plans to protect against unexpected financial disruptions during retirement.
How do you charge for financial planning services?
Our investment advisory services operate on a fee-based model tied to assets under management, while insurance products are typically commission-based with transparent cost structures.
Can you help with 401k rollover decisions?
Yes, we analyze employer-sponsored plan options and rollover opportunities to determine optimal strategies for preserving retirement savings while minimizing tax implications.
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Reviews (2)
Dave Davis
Nov 02, 2019
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Seamless rollover of accounts and frank discussion of investments and results. Very pleased (I don't give many 5 starts so 4 is very positive :) )
Elena Macino
Sep 11, 2019
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David has been managing my money for several years now. When I went to him with little knowledge about investing, he took the time to explain why it is important. We came up with a strategy together and I am confident I chose the right Financial Advisor!
