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Capital Financial

Your partner in developing a secure retirement.

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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.

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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.

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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.

About our founder

Pete D'Arruda
MRFC®, RICP®

Pete 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.

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Coach Pete, Founder of Capital Financial

INFO SERIES

Crypto Made Easy Webinar & Info Series

Cryptocurrency is no longer a fringe concept—it’s woven into the fabric of modern finance. Whether you're a curious novice or a cautious skeptic, understanding crypto is becoming essential. From the basics of Bitcoin and Ethereum to the reasons behind its explosive growth, this special video series is your crash course into the digital asset world.

In this exclusive session, we’ll break down:

The Rise of Crypto: Why crypto is now front and center in financial discussions and how it reached over half a billion identifiable users worldwide.
Crypto Demystified: Key definitions, foundational concepts, and why you don’t need a tech background to grasp the fundamentals.
How It All Works: The "why," "how," "when," and "where" of crypto—going beyond just "buy it" to understanding the ecosystem.
Risks and Realities: What you need to know about market volatility, common misconceptions, and staying safe in this evolving space.
The Road Ahead: Trends to watch, adoption across industries, and what experts think could come next.

Whether you're just starting or looking to firm up your understanding, this video simplifies the complex world of crypto into something actionable and clear.

Join us and gain the insight you need to navigate the crypto revolution with confidence.

Our team

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

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Featured Resource

Cover Image of the Big Book On Retirement by Coach Pete D'Arruda

Provided by the Capital Financial Team

DownloadFree eBook & Audiobook

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!

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.

Dave Ramsey Smartvestor Pro

Coach Pete and Dave Ramsey Standing Together

Radio & Podcasts

Each week, Coach Pete and his team bring you insightful conversations and practical strategies designed to help you maximize your retirement savings. From Financial Safari and Rock on Retirement to The Parker Holland Show and The Marty Hensley Show, our lineup offers valuable guidance and fresh perspectives to navigate today's financial landscape.

Catch our family of radio shows every weekend across the country on stations including Mix 101.5 WRAL, FM 106.1 WTKK, and AM 680 WPTF, or stream anytime on Apple Podcasts, Amazon Alexa, Spotify, and wherever you listen to podcasts!