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Investment Services at Capital Financial USA
Welcome to Capital Financial USA, your trusted partner for comprehensive Investment Services. With offices in Raleigh, Greenville, Wilmington, North Carolina, and Myrtle Beach, South Carolina, our team of financial coaches are ready to help you achieve your financial goals.
Whether you're looking to build a nest egg for retirement, save for a major purchase, or simply want to grow your wealth, we're here to provide the guidance you need. Our approach is centered on understanding your unique financial circumstances, goals, and risk tolerance. We then leverage this understanding to develop a personalized investment strategy designed to meet your objectives.
At Capital Financial USA, we take pride in offering a wide array of investment services, including portfolio management, retirement planning, estate planning, and more. Our coaches keep abreast with the latest market trends and financial products, ensuring that you have access to effective and innovative investment solutions.
We believe in a proactive approach to investment management, regularly reviewing and adjusting your portfolio to align with changes in your life circumstances and the broader financial market. By doing so, we strive to optimize your investment performance and safeguard your wealth against potential market volatility.
Whether you're a seasoned investor or just beginning your investment journey, our team at Capital Financial USA is committed to providing you with the knowledge, tools, and personalized support you need to make confident and informed investment decisions. We invite you to explore our services and discover how we can help you achieve your financial goals.
Experienced
We provide affluent retirees and pre-retirees with strategies to reduce taxes and market risk on their life savings while developing and maintaining a close, trusting relationship.
Custom
Our strategic development process begins with an analysis to determine a custom designed course of action that is aligned with your goals and maximizes results.
Independent
Being independent, we offer an experience that is personal and responsive while also maintaining our values of simplicity and transparency.
Fiduciary
By partnering with us as a fiduciary, we will strive to communicate with you clearly and with integrity what is in your best interest throughout the planning process.
Lifetime Income: Ensuring Steady Retirement Earnings
At Capital Financial, we specialize in identifying effective strategies to provide you with a consistent income stream in retirement. Our team will help you choose the right tools and plans to help secure your financial future, no matter what life brings your way.
Our experience in retirement planning focuses on developing an income plan that ensures your savings last as long as you do. We consider important areas of your financial life, including your investments, pensions, Social Security benefits, and other income sources to design a comprehensive strategy that provides a steady income throughout your retirement.
We understand that each client's retirement goals and lifestyle expectations are unique. That's why we customize our approach for each individual, taking into account your specific income needs, risk tolerance, and investment preferences. We carefully balance the need for immediate income with the necessity for growth to protect against inflation and other unforeseen expenses.
In addition, we continuously monitor your income plan and make adjustments as necessary. This might be due to changes in the market, shifts in your personal life, or updates to tax laws. Our goal is to provide you with financial confidence knowing that your retirement income is secure.
Moreover, we believe in transparency and education. We will take the time to explain different income strategies, their potential benefits, and risks, so you can make informed decisions about your retirement. At Capital Financial, we're not just planning for your retirement – we're planning for your life.
Our experience in retirement planning focuses on developing an income plan that ensures your savings last as long as you do. We consider important areas of your financial life, including your investments, pensions, Social Security benefits, and other income sources to design a comprehensive strategy that provides a steady income throughout your retirement.
We understand that each client's retirement goals and lifestyle expectations are unique. That's why we customize our approach for each individual, taking into account your specific income needs, risk tolerance, and investment preferences. We carefully balance the need for immediate income with the necessity for growth to protect against inflation and other unforeseen expenses.
In addition, we continuously monitor your income plan and make adjustments as necessary. This might be due to changes in the market, shifts in your personal life, or updates to tax laws. Our goal is to provide you with financial confidence knowing that your retirement income is secure.
Moreover, we believe in transparency and education. We will take the time to explain different income strategies, their potential benefits, and risks, so you can make informed decisions about your retirement. At Capital Financial, we're not just planning for your retirement – we're planning for your life.
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Client Education: Empowering Your Financial Decisions
We believe in empowering our clients by providing them with the necessary tools, resources, and advice to make informed financial decisions. Our team is dedicated to helping you understand what can be a complex financial landscape, enabling you to confidently navigate.
At Capital Financial, we firmly believe that knowledge is power. That's why we prioritize client education as a critical part of our service. We aim to arm you with the information, insights, and resources needed to confidently make decisions about your financial future. We take the time to explain complex financial concepts clearly and understandably, helping you to grasp all facets of your financial situation.
Our team is committed to serving as your financial educator. We make it our mission to demystify the financial world and its jargon, ensuring you understand the strategies and choices that impact your financial journey. This approach empowers you to actively participate in the planning process and make choices that align with your personal goals and values.
The strength of our service lies not just in delivering financial strategies, but also in ensuring you understand why a particular approach is right for you. This commitment to education strengthens your confidence in your financial plan and us as your financial partners.
At Capital Financial, we firmly believe that knowledge is power. That's why we prioritize client education as a critical part of our service. We aim to arm you with the information, insights, and resources needed to confidently make decisions about your financial future. We take the time to explain complex financial concepts clearly and understandably, helping you to grasp all facets of your financial situation.
Our team is committed to serving as your financial educator. We make it our mission to demystify the financial world and its jargon, ensuring you understand the strategies and choices that impact your financial journey. This approach empowers you to actively participate in the planning process and make choices that align with your personal goals and values.
The strength of our service lies not just in delivering financial strategies, but also in ensuring you understand why a particular approach is right for you. This commitment to education strengthens your confidence in your financial plan and us as your financial partners.
About our founder
Peter J. D'Arruda
MRFC®, RICP®
Peter J. D’Arruda has been in the financial arena for almost three decades. He is a best-selling author, radio and television host, former 2-time President of the International Association of Registered Financial Consultants, an investment advisor and fiduciary.
He founded Capital Financial to help his clients “cross the street of life.“ He and his team strive to help their clients take the worry out of living in retirement.
Known as Coach Pete to most of his clients and radio show listeners, his lifetime goal is to assist his clients in achieving the levels of success they desire.
He founded Capital Financial to help his clients “cross the street of life.“ He and his team strive to help their clients take the worry out of living in retirement.
Known as Coach Pete to most of his clients and radio show listeners, his lifetime goal is to assist his clients in achieving the levels of success they desire.
Learn More about Coach Pete
Investment Planning: Protect and Grow Your Wealth
Our investment planning services are designed to guide you on how to grow and protect your wealth effectively. We understand that transitioning into your retirement years can be daunting, but with our financial coaches' advice, you can do so with assurance.
Navigating the world of investments can be challenging. That's why at Capital Financial, we strive to simplify the process with our comprehensive investment planning services. Our financial coaches will help you understand the various investment options available, and guide you in making decisions that align with your financial goals.
We focus on designing an investment strategy that balances growth with risk management. We understand that your hard-earned wealth should not only grow but also be protected against market volatility and economic uncertainties. Using our extensive knowledge of the financial markets and the latest investment structures, we craft a personalized investment portfolio that's optimized for your unique situation.
Transitioning into retirement can indeed be a daunting task. But it's our mission to make this process smoother for you. We'll help you plan your investments in a way that ensures a steady income stream during your retirement years, while still maintaining the growth of your portfolio. Our team is here to provide the assurance you need to face the future with confidence.
Navigating the world of investments can be challenging. That's why at Capital Financial, we strive to simplify the process with our comprehensive investment planning services. Our financial coaches will help you understand the various investment options available, and guide you in making decisions that align with your financial goals.
We focus on designing an investment strategy that balances growth with risk management. We understand that your hard-earned wealth should not only grow but also be protected against market volatility and economic uncertainties. Using our extensive knowledge of the financial markets and the latest investment structures, we craft a personalized investment portfolio that's optimized for your unique situation.
Transitioning into retirement can indeed be a daunting task. But it's our mission to make this process smoother for you. We'll help you plan your investments in a way that ensures a steady income stream during your retirement years, while still maintaining the growth of your portfolio. Our team is here to provide the assurance you need to face the future with confidence.
Developed by the Capital Financial Team
Download NowFree PDF eBook
Fundamentals of Retirement Planning
A simple guide to give you a head start.With this free resource, you'll discover:
What is means to retire on your terms
Inheritance Planning
Taking a Life Inventory
Mapping out your retirement
Transitioning to Home Life
The state of the checkbook
...and much more!
Insurance: Manage Risk for Future financial confidence
We offer a variety of cost-effective insurance options that are designed to manage risk and provide financial confidence for the future. Whether it's life insurance or long-term care insurance, our team can help you make a confident decision based on your needs.
Navigating through the various insurance options available in the market can be a daunting task. At Capital Financial USA, we're committed to simplifying this process for you. We carefully analyze your unique circumstances and financial goals to guide you toward the most suitable insurance options.
Our insurance services cater to a wide range of needs. Life insurance can provide your loved ones with financial confidence in the unfortunate event of your passing, whereas long-term care insurance can cover the costs of assisted living, nursing home care, or in-home care, should you need it in the future. We also offer disability insurance, which can replace a portion of your income if you become unable to work due to illness or injury.
Choosing the right insurance is a crucial part of risk management. An unexpected event can disrupt your financial stability and derail your retirement plans. However, with the right insurance coverage, you can ensure that you and your loved ones remain financially secure, no matter what life brings your way.
Our team at Capital Financial USA will help you understand the different insurance products and their benefits, costs, and limitations. We aim to provide you with the knowledge and guidance you need to make informed decisions about your insurance coverage. Let us help you manage future risks and achieve financial confidence.
Navigating through the various insurance options available in the market can be a daunting task. At Capital Financial USA, we're committed to simplifying this process for you. We carefully analyze your unique circumstances and financial goals to guide you toward the most suitable insurance options.
Our insurance services cater to a wide range of needs. Life insurance can provide your loved ones with financial confidence in the unfortunate event of your passing, whereas long-term care insurance can cover the costs of assisted living, nursing home care, or in-home care, should you need it in the future. We also offer disability insurance, which can replace a portion of your income if you become unable to work due to illness or injury.
Choosing the right insurance is a crucial part of risk management. An unexpected event can disrupt your financial stability and derail your retirement plans. However, with the right insurance coverage, you can ensure that you and your loved ones remain financially secure, no matter what life brings your way.
Our team at Capital Financial USA will help you understand the different insurance products and their benefits, costs, and limitations. We aim to provide you with the knowledge and guidance you need to make informed decisions about your insurance coverage. Let us help you manage future risks and achieve financial confidence.
Tax Minimization Planning: Maximizing Your Returns
We work closely with tax planning professionals and CPAs to manage and offset taxes and other expenses effectively. Our goal is to help you maximize the return on your income and investments through strategic tax minimization planning.
At Capital Financial USA, we understand that navigating the complexities of the tax landscape can be challenging. That's why we partner with seasoned tax planning professionals and Certified Public Accountants (CPAs) to provide you with professional tax advice and strategies.
Our tax minimization planning service is not just about saving on taxes today, but also about structuring your investments and income streams to reduce your overall tax burden over the long term. This includes strategies for capital gains tax, income tax, estate tax, and more.
We help you understand the tax implications of various investment options and retirement accounts, such as traditional IRAs, Roth IRAs, 401(k)s, and other tax-advantaged vehicles. We guide you on how to make the most out of these options, taking into account your specific financial situation and long-term goals.
In addition, we'll help you plan for the tax impact of your retirement income, including Social Security benefits and pension income, and how to optimize your withdrawals to minimize taxes. We also assist with estate tax planning to ensure that your wealth is passed on to your heirs in a tax-efficient manner.
Tax planning is a crucial part of your overall financial strategy. With our tax minimization planning service, you can rest assured knowing that you're making informed decisions about your hard-earned money and maximizing your returns, both now and in the future.
At Capital Financial USA, we understand that navigating the complexities of the tax landscape can be challenging. That's why we partner with seasoned tax planning professionals and Certified Public Accountants (CPAs) to provide you with professional tax advice and strategies.
Our tax minimization planning service is not just about saving on taxes today, but also about structuring your investments and income streams to reduce your overall tax burden over the long term. This includes strategies for capital gains tax, income tax, estate tax, and more.
We help you understand the tax implications of various investment options and retirement accounts, such as traditional IRAs, Roth IRAs, 401(k)s, and other tax-advantaged vehicles. We guide you on how to make the most out of these options, taking into account your specific financial situation and long-term goals.
In addition, we'll help you plan for the tax impact of your retirement income, including Social Security benefits and pension income, and how to optimize your withdrawals to minimize taxes. We also assist with estate tax planning to ensure that your wealth is passed on to your heirs in a tax-efficient manner.
Tax planning is a crucial part of your overall financial strategy. With our tax minimization planning service, you can rest assured knowing that you're making informed decisions about your hard-earned money and maximizing your returns, both now and in the future.
Longevity Planning: Safeguarding Your Estate's Value
At Capital Financial, we help you maximize the value of your estate and minimize taxes and other undue expenses through longevity planning. Our team will guide you on how to combine careful planning with the appropriate legal protections to safeguard your estate's value.
Longevity planning is a holistic approach to managing your wealth that considers the potential impact of living a long life, from the financial implications to the legal considerations. At Capital Financial, we understand that your goal is not just to live a long life, but also a financially secure one.
Our longevity planning process starts with understanding your financial goals and your family situation. This helps us develop a personalized plan that ensures your wealth lasts as long as you do, while also preparing for potential healthcare costs and long-term care needs that may arise in the future.
We also consider the legal aspects of longevity planning. This includes setting up the right estate planning documents, such as wills and trusts, to protect your assets and ensure they're distributed according to your wishes. We work with legal professionals to help you navigate this complex area and put the right protections in place.
In addition, we look at ways to minimize the tax burden on your estate, so your heirs receive the maximum benefit. This involves strategies for estate tax planning, gift tax planning, and income tax planning for any assets that may generate income after your passing.
At Capital Financial, we believe in the importance of preparing for the long term. We're here to help you every step of the way, providing the professional guidance and personalized service you need to ensure your estate's value is safeguarded for the future. With our help, you can look forward to a long, financially secure life, knowing your legacy is protected.
Longevity planning is a holistic approach to managing your wealth that considers the potential impact of living a long life, from the financial implications to the legal considerations. At Capital Financial, we understand that your goal is not just to live a long life, but also a financially secure one.
Our longevity planning process starts with understanding your financial goals and your family situation. This helps us develop a personalized plan that ensures your wealth lasts as long as you do, while also preparing for potential healthcare costs and long-term care needs that may arise in the future.
We also consider the legal aspects of longevity planning. This includes setting up the right estate planning documents, such as wills and trusts, to protect your assets and ensure they're distributed according to your wishes. We work with legal professionals to help you navigate this complex area and put the right protections in place.
In addition, we look at ways to minimize the tax burden on your estate, so your heirs receive the maximum benefit. This involves strategies for estate tax planning, gift tax planning, and income tax planning for any assets that may generate income after your passing.
At Capital Financial, we believe in the importance of preparing for the long term. We're here to help you every step of the way, providing the professional guidance and personalized service you need to ensure your estate's value is safeguarded for the future. With our help, you can look forward to a long, financially secure life, knowing your legacy is protected.
Social Security: Navigating for Optimal Retirement Impact
Our team guides you as you navigate the complexities of the Social Security system. We help you make decisions that will greatly impact your financial situation in retirement, ensuring you make an educated decision when applying for benefits.
Navigating the Social Security system can be a challenging task, fraught with many decisions that will influence your financial well-being in retirement. The timing of when you start taking benefits, for instance, can significantly impact the amount of income you'll receive over your lifetime. At Capital Financial, we're committed to helping you understand these complexities and make well-informed decisions that optimize your benefits.
Our financial advisors will work closely with you to assess your specific situation, taking into account your age, health, life expectancy, and retirement goals. We'll explain how Social Security benefits are calculated, how your work history affects your benefits, and the implications of claiming benefits early versus later.
Furthermore, we'll help you understand the different strategies that can be used to maximize your Social Security benefits. This includes strategies for married couples, divorcees, widows, and widowers, each of which has unique rules and opportunities. We'll also discuss the tax implications of Social Security benefits, helping you to plan effectively to reduce or avoid potential tax liabilities.
Lastly, we're here to answer all your questions and address any concerns you may have about Social Security. Our goal is to provide you with the knowledge and confidence to navigate the Social Security system effectively, ensuring you make the best decisions for your retirement.
With our guidance, you can make the most of your Social Security benefits, securing an important part of your retirement income. We're committed to helping you achieve a comfortable and worry-free retirement, and getting the most out of your Social Security benefits is an important part of that mission.
Navigating the Social Security system can be a challenging task, fraught with many decisions that will influence your financial well-being in retirement. The timing of when you start taking benefits, for instance, can significantly impact the amount of income you'll receive over your lifetime. At Capital Financial, we're committed to helping you understand these complexities and make well-informed decisions that optimize your benefits.
Our financial advisors will work closely with you to assess your specific situation, taking into account your age, health, life expectancy, and retirement goals. We'll explain how Social Security benefits are calculated, how your work history affects your benefits, and the implications of claiming benefits early versus later.
Furthermore, we'll help you understand the different strategies that can be used to maximize your Social Security benefits. This includes strategies for married couples, divorcees, widows, and widowers, each of which has unique rules and opportunities. We'll also discuss the tax implications of Social Security benefits, helping you to plan effectively to reduce or avoid potential tax liabilities.
Lastly, we're here to answer all your questions and address any concerns you may have about Social Security. Our goal is to provide you with the knowledge and confidence to navigate the Social Security system effectively, ensuring you make the best decisions for your retirement.
With our guidance, you can make the most of your Social Security benefits, securing an important part of your retirement income. We're committed to helping you achieve a comfortable and worry-free retirement, and getting the most out of your Social Security benefits is an important part of that mission.
Dave Ramsey Smartvestor Pro
Peter D’Arruda, MRFC is a SmartVestor Pro, selected by Dave Ramsey and the Ramsey Solutions organization to help with your retirement, college savings and other investments.
Our retirement advisors provide solid, professional investing guidance and are committed to educating and empowering every individual while providing top-notch customer service.
Our retirement advisors provide solid, professional investing guidance and are committed to educating and empowering every individual while providing top-notch customer service.
Medicare Planning: Objective Advice for Cost-Effective Plans
We provide objective and unbiased advice on Medicare planning, ensuring that you're getting the right plan at the lowest possible cost. Let us guide you through the process, providing clarity and confidence along the way.
Navigating the intricacies of Medicare can be daunting, given the numerous options and considerations. That's why at Capital Financial, we make it our mission to provide objective and clear advice to help you select the right Medicare plan that suits your health needs and budget.
Our financial advisors will take the time to understand your health concerns and financial situation to provide you with a comprehensive overview of your options. We'll explain the differences between Medicare Part A, Part B, Part C (also known as Medicare Advantage), and Part D, and the roles they play in your healthcare coverage. We'll also inform you about Medicare Supplement Insurance (Medigap) policies, which can help cover costs that Original Medicare doesn't, such as copayments, coinsurance, and deductibles.
We understand the importance of cost-effectiveness when it comes to healthcare. Therefore, we'll delve into the specifics of each plan to help you understand its costs and benefits, guiding you toward a plan that delivers maximum healthcare coverage at the lowest possible cost. We'll also explore any available programs that can help lower your Medicare costs, such as Medicaid, the Extra Help program, and Medicare Savings Programs.
Moreover, we'll assist you in understanding the enrollment periods for Medicare and the potential penalties for late enrollment, ensuring that you avoid unnecessary fees. We'll also keep you informed about any changes in Medicare policies or benefits that may affect you.
At Capital Financial, we believe in empowering you with the knowledge you need to make informed healthcare decisions. Our goal is to alleviate the stress and confusion that often comes with Medicare planning, providing you with the clarity and confidence you need to secure your health coverage in retirement. We're here to guide you through every step of the Medicare planning process, helping you secure the healthcare you need at a cost you can afford.
Navigating the intricacies of Medicare can be daunting, given the numerous options and considerations. That's why at Capital Financial, we make it our mission to provide objective and clear advice to help you select the right Medicare plan that suits your health needs and budget.
Our financial advisors will take the time to understand your health concerns and financial situation to provide you with a comprehensive overview of your options. We'll explain the differences between Medicare Part A, Part B, Part C (also known as Medicare Advantage), and Part D, and the roles they play in your healthcare coverage. We'll also inform you about Medicare Supplement Insurance (Medigap) policies, which can help cover costs that Original Medicare doesn't, such as copayments, coinsurance, and deductibles.
We understand the importance of cost-effectiveness when it comes to healthcare. Therefore, we'll delve into the specifics of each plan to help you understand its costs and benefits, guiding you toward a plan that delivers maximum healthcare coverage at the lowest possible cost. We'll also explore any available programs that can help lower your Medicare costs, such as Medicaid, the Extra Help program, and Medicare Savings Programs.
Moreover, we'll assist you in understanding the enrollment periods for Medicare and the potential penalties for late enrollment, ensuring that you avoid unnecessary fees. We'll also keep you informed about any changes in Medicare policies or benefits that may affect you.
At Capital Financial, we believe in empowering you with the knowledge you need to make informed healthcare decisions. Our goal is to alleviate the stress and confusion that often comes with Medicare planning, providing you with the clarity and confidence you need to secure your health coverage in retirement. We're here to guide you through every step of the Medicare planning process, helping you secure the healthcare you need at a cost you can afford.
