Michael Caruana
Investment Adviser Representative
The Villages, Florida
Michael Caruana provides comprehensive, fee-based financial planning and investment advisory services to individuals, families, retirees, professionals, and business owners. His approach combines fiduciary planning with years of independent study of markets, market cycles, technical analysis, and investment risk.
About Michael
Michael Caruana is an Investment Adviser Representative with Fiduciary Capital Management LLC who provides comprehensive, fee-based financial planning and investment advisory services to individuals, families, and business owners.
After a decades-long career in entrepreneurial business development and years of independent study of markets, market cycles, and technical analysis, Michael made a deliberate decision to redirect that experience toward helping clients navigate their financial lives with clarity and objectivity.
He holds the Series 65, Securities Industry Essentials, and Florida 2-15 Life, Health and Variable Annuity licenses. Michael brings both a fiduciary advisory framework and a genuine analytical perspective on markets to every client relationship.
My Personal Adviser Philosophy
Most people I have worked with over the years were excellent at building income. Very few had a clear plan for what came next—how to protect it, grow it, and eventually live from it without running out. I spent decades watching that gap create real harm.
At the same time, I spent years studying how markets actually move, including cycles, structure, technical analysis, and risk. That work helped me develop a perspective that many traditional financial plans may not fully incorporate.
Living in a large retirement community has reinforced what I already believed. Financial presentations are constant, and they often offer the same narrow set of products to everyone. I do not believe that is comprehensive planning. Every person’s financial situation is different, and every conversation should begin with understanding that person’s assets, needs, goals, risks, and available options.
The goal is an honest and comprehensive conversation built around the client’s interests rather than around the sale of a particular financial product.
As a fiduciary, I am legally obligated to put your interests first. Beyond the obligation, it is the only way I know how to work.
Client Focus
Individuals and Families
Comprehensive planning designed around financial goals, cash flow, investments, protection needs, and long-term priorities.
Pre-Retirees and Retirees
Guidance involving retirement income, distributions, investment risk, longevity concerns, and legacy decisions.
Self-Directed Investors
A fiduciary second opinion, portfolio review, risk assessment, and ongoing investment oversight.
Business Owners
Planning for transition, liquidity, succession, retirement, wealth protection, and personal financial goals.
Professionals in Transition
Financial planning for career changes, retirement decisions, business transitions, and other significant life events.
Insurance and Annuity Reviews
Objective, fee-based analysis for clients evaluating insurance, annuities, and retirement-income structures.
Areas of Focus
Comprehensive Financial Planning
Coordinating investments, retirement income, insurance, estate considerations, cash flow, and long-term objectives.
Investment Portfolio Management
Tactical and passive strategies based on each client’s goals, time horizon, risk tolerance, and financial circumstances.
Retirement Income Planning
Evaluating income needs, withdrawal strategies, asset allocation, required distributions, longevity risk, and sustainable spending.
Market Cycle and Risk Analysis
Reviewing market structure, economic cycles, volatility, concentration, downside exposure, and investment risk.
Insurance and Annuity Consulting
Analysis of insurance, annuity, income-protection, long-term-care, and broader risk-management considerations.
Estate and Legacy Coordination
Coordinating with attorneys and other professionals regarding beneficiaries, wealth transfer, estate organization, and legacy goals.
Advisory Services
As an Investment Adviser Representative of Fiduciary Capital Management LLC, Michael may provide comprehensive financial planning, investment portfolio review and ongoing management, retirement-income planning, portfolio risk analysis, insurance-planning analysis, and fee-based annuity and insurance-product consulting.
Advisory services are provided through Fiduciary Capital Management LLC, an SEC-registered investment adviser, and are subject to applicable agreements, disclosures, client eligibility, and firm approval.
Investment Adviser Representative Disclosure
Michael Caruana provides investment advisory services through Fiduciary Capital Management LLC. All services are subject to applicable investment advisory agreements, firm policies, regulatory requirements, client eligibility, and account acceptance. Information on this page is general in nature and should not be interpreted as individualized investment, tax, accounting, insurance, or legal advice.
Start a Conversation
Schedule a confidential introductory meeting with Michael to discuss your financial circumstances, retirement goals, investment concerns, risk-management needs, or interest in comprehensive fiduciary planning.
Schedule an Appointment