Castaldi Financial & Insurance

What Castaldi Financial & Insurance does

Castaldi Financial & Insurance INC. is a privately held independent financial advisory and insurance agency founded in 2008 by Matthew Castaldi and headquartered at 387 Danbury Rd Suite 3, Wilton, CT. The firm serves individual consumers seeking retirement planning, investment management, and insurance protection, operating on a direct-to-consumer model with phone, email, website, and online quote-request intake. Core offerings include investment advisory services and IRA/401(k) rollovers, life insurance (term, whole, universal, variable), long-term care insurance including asset-based LTCI, health insurance and Medicare Advantage/Part D plans, property and casualty/liability insurance, and disability insurance. The firm functions as a virtual family office by acting as a liaison between clients and their other insurance agents, investment advisors, and tax advisors.

The business is a sole-practitioner operation with 1-10 employees, led by Matthew Castaldi as Registered Representative since 1994 with Series 6, 63, 7, and 24 securities licenses plus non-resident life and health insurance licenses in CT, NY, SC, and FL. Securities and investment advisory services are offered through Osaic Wealth, Inc., a FINRA/SIPC member broker-dealer, providing the regulatory and operational infrastructure for securities distribution without owning a broker-dealer license. Revenue is generated from advisory fees on managed assets and commissions on insurance product sales, with individualized, contact-based pricing that is not publicly disclosed.

Go-to-market relies on a content-driven marketing engine: a digital Learning Center with articles, financial calculators, flipbooks, newsletters, educational videos, a tax library, and a glossary targets top-of-funnel awareness, with monthly newsletters and direct contact moving prospects through mid- and bottom-funnel stages. Distribution is direct only, with no third-party channel partners or referral networks disclosed, and no proprietary technology platform, app, or API in place. The firm does not disclose revenue, AUM, client count, or external capital, and operates without public listing, subsidiaries, or material corporate actions on record.

Name

Castaldi Financial & Insurance

Legal name

Castaldi Financial & Insurance INC.

Website

https://castaldifinancialservices.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Short description

Castaldi Financial & Insurance INC. is a Wilton, CT-based independent financial advisory and insurance agency, founded in 2008 and operated as a sole practice by Matthew Castaldi, serving individual consumers with retirement planning, investment advisory, IRA/401(k) rollovers, and life, health, Medicare, LTC, disability, and P&C insurance, distributed through Osaic Wealth, Inc.

Ownership category

akta.pro rank

Product category

Financial Advisory & Insurance Services

NAICS

Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (52394), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Rollover & Distribution Advisory (IRA/401(k) Rollovers) (FSAEABAG)

akta.pro secondary industries

Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Family Office Advisory (Single/Multi-Family) (FSAEAAAI), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Financial advisory services
• Retirement planning
• Life insurance
• Medicare planning
• Investment management

Headquarters

HQ city

Wilton

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Financial Advisory Services: Investment advisory services including retirement planning and investment management, generating revenue through advisory fees. IRA/401k rollovers services provided.
2. Insurance Products: Commissions earned from sale of insurance products including Life Insurance, LTC Insurance, Health Insurance, Medicare Plans, Property & Casualty/Liability Insurance, and Disability Insurance. Products offered through the firm's Request A Quote system.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Castaldi Financial & Insurance is an independent financial advisory and insurance firm offering investment advisory services, IRA/401(k) rollovers, life insurance, long-term care insurance, health insurance/Medicare plans, property & casualty insurance, and disability insurance. The firm provides personalized financial planning to help individuals prepare for retirement, manage investments, and protect against financial risks through insurance products.

Product overview

Castaldi Financial & Insurance INC is an independent financial advisory and insurance firm founded in 2008, offering a comprehensive suite of financial services. The core offerings include investment advisory services, IRA/401(k) rollovers, life insurance, long-term care insurance, health insurance/Medicare plans, property & casualty insurance, and disability insurance. Supporting these core services is an extensive digital resource hub featuring financial calculators (savings accumulation, net worth, required minimum distributions, life insurance needs), a learning center with research articles, monthly newsletters, educational flipbooks, video content, a tax library, and a financial glossary. The company operates as an independent firm affiliated with Osaic Wealth, Inc., providing unbiased financial advice to individuals and families planning for retirement and long-term financial security.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Advisory Services

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• MassMutual: Mutual insurer with a career-agent system selling life, disability, long-term care, and retirement/investment products; comparable in its combined insurance + retirement-income advisory model targeting individual households.
• Edward Jones: Large U.S. independent financial advisory and insurance franchise operating a local-branch model; directly comparable to Castaldi as both serve individual households with retirement, investment, and insurance solutions through a single local advisor.
• Northwestern Mutual: Hybrid insurance-and-investment advice firm using a captive advisor model; directly comparable to Castaldi because its financial representatives sell both insurance (life, DI, LTC) and investment/retirement planning products to individuals.
• Ameriprise Financial: Independent advisor franchise model offering retirement planning, investments, and insurance; directly comparable to Castaldi's franchise of financial advisors providing holistic retirement and protection planning.
• New York Life: Mutual insurer with affiliated agents offering life insurance, retirement income, and wealth management; directly comparable because Castaldi offers the same combination of life insurance plus advisory services through an agent relationship.

Broad incumbents

• LPL Financial: Largest independent broker-dealer in the U.S., providing the platform on which advisors like Castaldi deliver securities and advisory services; comparable as the broader independent-channel ecosystem of which Castaldi is a small participant.
• Cetera Financial Group: Independent broker-dealer network supporting thousands of financial advisors with compliance, technology, and product access; comparable as another independent BD platform serving the same advisor archetype as Osaic Wealth serves Castaldi.
• Charles Schwab: Discount brokerage and registered investment advisor with both self-directed and Schwab-advisor channels; represents the low-cost digital incumbent that competes with Castaldi for retirement and investment-management dollars.
• State Farm: Mass-market insurance agency franchise selling life, health, P&C, and banking products through captive agents; comparable to Castaldi as a competing insurance distribution channel, but operates at vastly greater scale and does not specialize in advisory.

Emerging players

• Wade Financial Advisory: Smaller independent registered investment advisor offering holistic retirement and estate planning; comparable as a similarly scaled single- or small-team RIA competing in the same local-market, fee-based retirement advisory niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Castaldi Financial & Insurance