Macino Financial, LLC

The firm provides individualized investment management and financial planning services to individual clients, offering both written financial plans and hourly consulting. It delivers discretionary portfolio management, recommends third‑party managers when appropriate, and addresses retirement accounts and rollovers.

Its investment approach emphasizes asset allocation and a tailored investment policy statement based on each client’s goals, risk tolerance, and time horizon, with periodic rebalancing and quarterly account reviews. The firm implements portfolios directly and through recommended third‑party managers and utilizes the Betterment for Advisors platform to execute and custody client accounts, typically operating under discretionary authority.

Noteworthy aspects include the owner’s regular retirement‑planning educational seminars, a service that is uncommon among peer firms, and the firm’s small, single‑advisor scale—reporting roughly $12.7 million in discretionary assets and oversight of an additional $2.9 million with third‑party managers across about 80 clients—which aligns the practice with individual clients rather than a large high‑net‑worth roster. The owner also maintains an independent insurance business and the firm discloses receipt of platform support services from Betterment for Advisors, both of which the brochure identifies as potential conflicts it seeks to manage.