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Insurance Plan Services

Insurance Plan Services

Insurance Plan Services

Macino Financial offers complete insurance plan services to give you a well-rounded financial portfolio. As an experienced Investment Advisor Representatives, we are highly knowledgeable about a wide range of insurance products. We will gather background information about your personal risks that you may want to mitigate with an appropriate insurance policy. We take the time to explain the details about each product and answer your questions in a way that makes you feel at ease. We care about our client and strive to make an honest connection with you.

Insurance Policies You May Wish to Consider

The following are some of the most popular insurance products for clients of Macino Financial:

  • Disability Insurance: This type of insurance policy pays a partial benefit against lost wages if you become temporarily or permanently disabled due to an illness or injury. It differs from Social Security Disability Insurance, which is a federal program for people whose disability is expected to last one year or longer.
  • Long-Term Care Insurance: The life expectancy in the United States continues to climb. It is now approximately 86 years for women and 84 years for men. That means you could need several years of care in a nursing home or specialty services such as physical therapy and assisted living. Long-term care insurance covers some of these needs.
  • Medicare Supplemental Insurance: Medicare is a federal health insurance program for people over age 65 and some younger people with significant disabilities. Since it doesn’t cover all possible costs, you may wish to consider a Medicare supplemental policy if you’re unable to pay out-of-pocket medical expenses. Some insurance providers call it Medigap.
  • Mortgage Protection Insurance: This is a life insurance policy designed to pay off your mortgage if you die before the maturity date. Insurance companies write mortgage protection policies for the same number of years as the original mortgage.
  • Personal Life Insurance: You have numerous options to provide financial support to your survivors in the event of your death. Whole life, term, and universal life insurance are just three possibilities.

Whether you’re interested in some of these insurance products or something else, we can take the stress out of shopping for insurance.

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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.