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Our Difference

Our Difference

As Investment Advisor Representatives (IAR), Macino Financial Services offers professional, down-to-earth advice so you can make the best financial decisions for you and your family. Our primary objective is to educate you about your retirement options and develop a retirement income plan for retirement.

If you have worked with a Registered Investment Advisor (RIA) in the past, we understand that you may feel confused about the differences between an IAR and RIA. We address some of the biggest differences below.

IARs Are More Objective

Macino Financial operates independently, which means that we do not represent specific companies and have no incentive to promote one product or service over another.

As an IAR, Macino Financial Services is a fee based investment advisor.  This means he receives compensation based on a percentage of each client’s manages portfolio of assets. Our compensation increases as you earn money and decreases if you lose it. Not only does this avoid a conflict of interest, it motivates us to be personally invested in your success.

As IARs, we have a fiduciary duty to act in the best interests of our clients 100% of the time and always make your needs our top priority.

Helping You Define and Meet Your Goals

Whether you’re just starting to plan for retirement, plan to retire in a few years, or need help choosing the best portfolio for wealth management, MFS is here to help.

We trust that you have done your research and already have a good idea of what you would like to achieve. Although Macino Financial has proprietary investment strategies, meaning funds managed by specific money manager owned by the firm, we only recommends these if doing so would be the best investment decision for you.

We present information to you in a straightforward manner while considering your individual tolerance for risk. For example, we might recommend a small yet guaranteed return for clients averse to risk and a high return yet riskier fund for those comfortable with uncertainty.

Your retirement is your vision and our passion

We are highly knowledgeable in the financial service arena and work with you to set up and manage your 401K, IRA, or other retirement plan based on facts instead of emotion. We care about our clients and follow up with them regularly to see if there is anything else we can do today and help them plan for tomorrow.

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.