Ryan Fitzgerald
Wealth Planning Consultant
- Long Term Care
- Supplementary Compensation Planning
- Retirement Plan Alternatives
- Estate tax reduction & liquidity planning
- Income replacement & business succession strategies
- Tax-efficient IRA & qualified account maximization
- Alternatives to traditional market-based accumulation
- Policy review, rescue, and optimization analysis
Capitas Financial
Capitas Financial, Inc. is a national organization made up of 16 regional processing centers, 130 point-of-sale professionals and 250-plus back office support specialists who offer a multi-carrier insurance product portfolio, along with unbiased consultative assistance to financial professionals and their clients. Capitas Financial is a national firm, based in Minneapolis, MN with a footprint that includes all 50 states and Puerto Rico. Capitas delivers the strength of a national organization coupled with unrivaled local customer service.
Ryan Fitzgerald
Wealth Planning Consultant
Biography
As a Wealth Planning Consultant with Capitas Financial, I help financial advisors unlock opportunities in advanced life insurance planning turning complex tax, estate, and liquidity challenges into clear, actionable strategies for their clients. My focus is on delivering high-impact, implementation-ready solutions that create leverage, protect wealth, and enhance the long-term financial outcomes for high-net-worth families and business owners.
My value lies in helping advisors differentiate their practice, uncover planning gaps, and present strategies that drive meaningful results often revealing solutions clients didn’t know were possible.
Capitas Financial is one of the largest independent life insurance distributors in the U.S., with 100+ local consultants and a deep bench of estate, tax, and business planning experts. Our independence allows us to provide unbiased carrier access, while our national scale delivers family office level resources and advanced planning support.
I’m committed to helping advisors elevate their client conversations, deepen relationships, and deliver multi-generational outcomes through thoughtful, strategic, and tax-efficient planning grounded in the power of well-structured life insurance.
Michael L. Fitzgerald Insurance Services, Inc.
Michael L. Fitzgerald Insurance Services, Inc. is an independent life insurance brokerage firm and a financial services provider to professionals in Northern California. Founded in 1993, we provide access to multiple life insurance companies, diversified products and services in the personal, business and estate planning markets for individuals and companies.
