Capital Financial Services
Capital Financial Services is a privately held, owner-operated financial advisory firm in Pinecrest, Florida, led by founder Armando Cunill. It serves South Florida families, retirees, small businesses, and women with retirement planning, asset allocation, Social Security optimization, long-term care, and insurance products via the proprietary Generational Vault client portal and a partnership with Gradient Securities, LLC.
- Company typePrivate
- Founded2004
- HeadquartersPinecrest, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Capital Financial Services does
Capital Financial Services is a privately held, owner-operated financial advisory firm headquartered in Pinecrest, Florida, serving families, retirees and pre-retirees, small businesses, and women in the South Florida market. The firm is led by founder and President Armando Cunill, who brings over 28 years of financial industry experience and holds Series 6 and Series 65 licenses along with a Florida life and health insurance license, supported by Office Administrator Melissa Arrindell (10+ years tenure). The firm's service delivery is anchored by the New Generation Retirement system, a five-step methodology covering professional selection, fact and feeling finding, strategy development, recommendations and implementation, and ongoing relationship management.
The core product set spans Asset Allocation & Risk, Income Planning, Social Security optimization, Long Term Care planning, and the Dream/Do women-focused retirement program. Its principal technology asset is Generational Vault, a proprietary 24/7-365 online portal that functions as a virtual safety deposit box for client documents, account snapshots, asset records, financial reports, and dynamic charts, with electronically generated pre-populated forms and e-signature capabilities. Securities and investment advisory services are delivered through a partnership with Gradient Securities, LLC (Arden Hills, MN), an SEC Registered Investment Advisor operating under the d.b.a. Gradient Wealth Management and a FINRA/SIPC member, while insurance products are offered directly through Capital Financial Services. The firm and Gradient Securities, LLC are not affiliated.
Revenue is generated from two streams: fee-based investment advisory compensation on custom-tailored strategies delivered through separately managed accounts, and insurance commissions on life insurance, annuities, and long-term care products. Go-to-market is direct and consultative, relying on financial advisor-led relationships, community educational seminars, the firm website, and FINRA BrokerCheck credential verification rather than digital self-service or paid acquisition. Pricing is not publicly disclosed and is quote-based depending on client needs and asset levels. The firm operates from a single Pinecrest office (8603 S Dixie Hwy Ste 304) serving Miami-Dade County.
Capital Financial Services firmographics
Firmographics- Name
- Capital Financial Services
- Legal name
- Capital Financial Services
- Website
- https://capitalfinancialservices.net
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capital Financial Services is a privately held, owner-operated financial advisory firm in Pinecrest, Florida, led by founder Armando Cunill. It serves South Florida families, retirees, small businesses, and women with retirement planning, asset allocation, Social Security optimization, long-term care, and insurance products via the proprietary Generational Vault client portal and a partnership with Gradient Securities, LLC.
- Ownership category
- akta.pro rank
Capital Financial Services industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Portfolio Management and Investment Advice (523940)
- SIC
- Investment Advice (6282)
- akta.pro primary industry
- Corporate Finance & Capital Advisory (BPAHADAB)
Keywords
Where Capital Financial Services is headquartered
LocationHeadquarters
- HQ city
- Pinecrest
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capital Financial Services business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Financial Advisory Services: The firm provides investment advisory and securities services through a relationship with Gradient Securities, LLC (Arden Hills, MN). Armando Cunill is licensed as an Investment Advisor Representative with Series 6 and Series 65 licenses, providing advisory fees-based compensation for custom-tailored investment strategies through separately managed accounts.
- Insurance Products: Insurance products and services are offered directly through Capital Financial Services. This includes life insurance, annuities, and long-term care insurance products. The firm offers insurance planning as part of their comprehensive retirement strategy.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Capital Financial Services product offering
Product offeringCore offering
Capital Financial Services is a financial advisory firm that provides custom-tailored investment strategies through separately managed accounts, comprehensive retirement planning (asset allocation, income planning, Social Security optimization, long-term care), and insurance products (life insurance, annuities, long-term care insurance). Securities and investment advisory services are offered through Gradient Securities, LLC, while insurance products are offered directly through Capital Financial Services, serving families and small businesses in the Pinecrest, Florida area.
Product overview
Capital Financial Services offers a unified financial advisory practice focused on retirement planning. The core offering is the New Generation Retirement system, a five-step methodology supported by seven distinct services: Asset Allocation & Risk, Income Planning, Social Security optimization, Long Term Care planning, Dream/Do (women's retirement empowerment), and the Generational Vault online portal/platform. The Generational Vault serves as the primary technology platform enabling client access to accounts and documents 24/7, while the other services function as interconnected advisory modules addressing different aspects of retirement planning. Services are offered through a partnership with Gradient Securities, LLC for securities and investment advisory.
Differentiator
Problem solved
Functional benefit
Products and services
- New Generation Retirement A comprehensive retirement planning system consisting of five steps: selecting a financial services professional, fact and feeling finding, strategy development, recommendations and implementation, and ongoing relationship management. Incorporates stewardship, transparency, and technology as core hallmarks. Designed for families and individuals planning for retirement.
- Asset Allocation & Risk
- Income Planning
- Social Security
- Long Term Care
- Dream/Do
- Generational Vault
- Insurance Products
Quantifiable outcome
- Delaying Social Security benefit may increase benefit amount by as much as 8% per year (per Social Security Administration)
Companies that use Capital Financial Services
Customer profileSegments4 records
Ideal customer profiles3 records
Capital Financial Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Capital Financial Services partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Gradient Securities, LLCcoreArmando Cunill offers securities and investment advisory services through Gradient Securities, LLC (Arden Hills, MN 866-991-1539), a SEC Registered Investment Advisor d.b.a. Gradient Wealth Management. Gradient Securities, LLC is a Member FINRA/SIPC. This partnership enables the firm to offer securities and investment advisory services through properly licensed personnel.
Scale indicators2 records
Recent moves5 records
Expansion highlights4 records
Capital Financial Services competitors and assessment
Company assessmentBroad incumbents
- Ameriprise Financial: National financial advisory firm offering retirement planning, investment management, and insurance through a network of independent advisors. Comparable in integrated planning-plus-insurance offering and advisor-led delivery, but serves a much broader geographic and wealth tier.
- Edward Jones: Large U.S. retail financial advisory firm focused on individual investors and retirement planning with a branch-office, local-advisor model. Directly comparable in target customer (retirees/families), consultative GTM, and retirement-income focus, but operates at massive scale with thousands of advisors versus Capital Financial Services' single-producer model.
- MassMutual: Insurance and financial services company providing retirement income, life insurance, and investment advisory services through financial professionals. Directly comparable to Capital Financial Services in combining retirement planning with in-house insurance distribution.
- LPL Financial: Largest independent broker-dealer in the U.S., supporting thousands of financial advisors with retirement and wealth management services. Comparable structural model to Capital Financial Services (advisor franchise affiliated with a broker-dealer) but at enterprise scale.
- New York Life: Mutual insurer and financial services firm offering retirement income, life insurance, annuities, and wealth management through career agents. Comparable in the bundled retirement-and-insurance advisory stack and emphasis on long-term planning relationships.
- Northwestern Mutual: Provider of financial planning, retirement income, and insurance (life, disability, long-term care) products through a network of financial advisors. Closely comparable to Capital Financial Services' integrated insurance + advisory retirement offering and face-to-face advisor model.
- Fidelity Investments (Personal Investing): Retail broker and retirement plan provider offering managed portfolios, retirement income planning, and financial advisory services. Comparable in the retiree/pre-retiree customer focus, but with a fully digital plus hybrid-advisor delivery model that pressures boutique practices.
- Raymond James Financial Services: Independent broker-dealer and wealth manager supporting financial advisors with retirement and investment advisory services. Relevant peer because Capital Financial Services mirrors the advisor-under-broker-dealer model (via Gradient Securities) and targets the same retirement demographic.
- Charles Schwab (Wealth Advisory): Major retail wealth manager offering separately managed accounts, retirement income planning, and increasingly integrated human advice. Directly comparable to Capital Financial Services' SMA-based retirement advisory offering, though Schwab competes aggressively on fees.
Emerging players
- Cetera Financial Group: Independent broker-dealer supporting a network of financial advisors with retirement, investment, and insurance services. Relevant peer because Capital Financial Services operates a similar advisor-under-broker-dealer structure, albeit at vastly different scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Capital Financial Services social profiles
Digital presenceCapital Financial Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital Financial Services leadership team
Management profileNumber of profiles
Profiles2 records
Capital Financial Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital Financial Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Capital Financial Services
What does Capital Financial Services do?
Capital Financial Services is a financial advisory firm that provides custom-tailored investment strategies through separately managed accounts, comprehensive retirement planning (asset allocation, income planning, Social Security optimization, long-term care), and insurance products (life insurance, annuities, long-term care insurance). Securities and investment advisory services are offered through Gradient Securities, LLC, while insurance products are offered directly through Capital Financial Services, serving families and small businesses in the Pinecrest, Florida area.
Is Capital Financial Services a public or private company?
Capital Financial Services is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Capital Financial Services founded?
Capital Financial Services was founded in 2004. It employs 1 to 10 people.
Where is Capital Financial Services based?
Capital Financial Services is headquartered in Pinecrest, United States, in the North America region.
How does Capital Financial Services make money?
Two revenue lines are on record. Financial Advisory Services are the primary driver. The others are insurance Products.
Who are Capital Financial Services's main competitors?
Broad incumbents on record are Ameriprise Financial, Edward Jones, MassMutual, LPL Financial, New York Life, Northwestern Mutual, Fidelity Investments (Personal Investing), Raymond James Financial Services and Charles Schwab (Wealth Advisory). Cetera Financial Group is listed as an emerging player.
Does Capital Financial Services have an API?
No public API is recorded for Capital Financial Services.
What industry is Capital Financial Services in?
Capital Financial Services's product category is Financial Advisory Services. Its primary akta.pro industry code is BPAHADAB, Corporate Finance & Capital Advisory. Its NAICS code is 523940 and its SIC code is 6282.