Your partner in developing a secure retirement.

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Capital Financial and Insurance
Comprehensive financial planning with a focus on strategies to help you generate adequate retirement income that lasts throughout your lifetime.

Our clients have typically saved $100,000 or more for retirement.

Learn More About Financial Advice
Capital Financial and Insurance
Structured wealth management through investment, financial, retirement, estate and tax planning customized to meet their individual financial needs.

Most investment clients have $500,000 or more in investable assets.

Learn More About Investment Services

About our founder


Peter J. D'Arruda
MRFC®, RICP®

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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.

Learn More about Coach Pete
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Featured Webinar

7 Financial Blind Spots

Monday, Sept. 16
6:00 PM ET

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As you approach retirement, it becomes even more important to have a clear vision of your financial goals. You will come across financial challenges that can have a significant impact on your long-term financial well-being.

By exploring the 7 Financial Blind Spots, we aim to empower you with knowledge and tools to make informed decisions, or at least begin the journey, which will ultimately enable you to create a retirement plan that aligns with your dreams and aspirations.

Whether you're just entering the Financial Red Zone or already a good way in, we hope this webinar will serve as a valuable resource to help you navigate the complexities of retirement planning with confidence.


In this free webinar, you'll discover:

  • Developing Written Goals

  • Taxes in Retirement

  • Government Programs

  • Handling Your Mortgage

  • Inflation

  • When You Can Retire

  • Pension Systems

  • ...and much more!

ON DEMAND INFO SERIES

Capital Financial's info series are designed to offer valuable insights into key financial topics such as retirement planning, tax strategies, and investment management. Whether you're approaching retirement or already retired, these webinars provide actionable guidance to help you secure your financial future. Hosted by seasoned experts like Coach Pete, who has over three decades of experience, these webinars cover critical areas like avoiding common financial pitfalls and making informed decisions on annuities, taxes, and estate planning​.

Participating in these webinars will give you a deeper understanding of how to protect your assets, ensure long-term income, and reduce financial risks during retirement. Each session is tailored to address the evolving financial landscape, ensuring that you stay updated with the latest strategies​. One of the standout features of these webinars is their accessibility, offering you the chance to learn from top financial advisors from the comfort of your home.

Don't miss this opportunity to take control of your financial future. Sign up today for one of Capital Financial’s info series and get the expert guidance you need to build a secure retirement​.

In our free info series, you'll discover:
  • Developing Written Goals

  • Taxes in Retirement

  • Government Programs

  • Handling Your Mortgage

  • Inflation

  • When You Can Retire

  • Pension Systems

  • ...and much more!



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Featured Webinar

Solving the Retirement Puzzle

Thursday, Sept. 12 | 3:00 PM ET

Learn how to make sense of retirement, plan for your needs and desires, and secure lifetime income for you and your spouse. Sign up today!


In this free webinar, you'll discover:

  • Retiring today looks different

  • How to plan for taxes

  • Why Social Security isn't enough

  • Inflation protection strategies

  • The current state of pensions

  • How to have lifetime income

  • Why planning is so important

  • ...and much more!

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Our team

Coach Pete D'Arruda has built a team of invaluable professionals at Capital Financial.

Learn More About Our Team
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Featured Resource

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Provided by the Capital Financial Team

Featured Resource

The Big Book On Retirement

Coach Pete's newest book is now available - absolutely free on this site only!The Big Book On Retirement is the eighth book from best-selling and award-winning author Coach Pete D'Arruda.

More than 20 years after publishing his first book, Financial Safari, Coach Pete is bringing yet another highly-useful tool to the masses with his latest publication.

This comprehensive and concise book helps readers navigate all the ins and outs of retirement planning.


With this free resource, you'll discover:
  • Learning the importance of working with a licensed fiduciary and how to choose the right one to advise you and your family.
  • Understanding the investment options you have available to you in retirement and how to take advantage of a plan that best suits your needs.
  • Learning how to secure Guaranteed Lifetime Income for you and your spouse.
  • Learning how to organize records and documentation critical to retirement planning and beyond.
  • Understanding how to defend yourself against financial and healthcare risks.
  • How to ensure you have a proper legacy plan in place for your loved ones.

  • Knowing how to maximize the opportunities available to you and your loved ones.
  • ...and much more!

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.

Radio & Podcasts

Each week Coach Pete and the team reveal the latest developments in the financial world and share common sense strategies that will help you make the most out of your retirement savings.

Tune in to our family of shows each weekend on Mix 101.5 WRAL, FM 106.1 WTKK and AM680 WPTF as well as Apple Podcasts, Amazon Alexa, Spotify and more!

America's 401K Show
Financial Pizza
Financial Safari
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Smartvestor

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.
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Dave Ramsey Smartvestor Pro


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Get to Know Us

Watch this immersive video to discover the vision and values of Capital Financial and what makes us different.

Contact Us

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Interested in getting started with our Financial Planning Services? Contact our team at one of our offices in Raleigh, Greenville, Wilmington, or Myrtle Beach today for a no-obligation financial review.

Let Capital Financial USA be your partner in financial planning.

Contact Us

Interested in getting started with our Financial Planning Services? Contact our team at one of our offices in Raleigh, Greenville, Wilmington, or Myrtle Beach today for a no-obligation financial review.

Let Capital Financial USA be your partner in financial planning.

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