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
Photo of Coach Pete


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Info Series

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Register now and gain access to watch this comprehensive webinar immediately!

With President Trump back in office, retirees face new opportunities and challenges. From proposed tax relief on Social Security benefits to changes in healthcare and tariffs, understanding the potential impacts on your retirement is more important than ever. This webinar will explore strategies to safeguard your wealth and create a resilient, worry-free retirement plan.

We’ll discuss key topics like maximizing lower tax rates under the Tax Cuts and Jobs Act, protecting your purchasing power from inflation, and managing healthcare costs in a shifting policy environment. Learn how to adapt your portfolio to market volatility and uncover low-risk investment options to maintain steady income streams. Join us for actionable insights designed to help you stay informed and in control of your financial future.

In this free webinar, we'll discuss:

  • Tax Relief Opportunities

  • Healthcare

  • Maximizing Lower Tax Rates

  • Medicare

  • Inflation

  • Market Volatility

  • Tariffs

  • ...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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