Blake Calligaro - Financial Advisor in Miami, FL | WiserAdvisor.com

Investing isn't just about numbers. It's about your freedom, your family, your future. Whatever your investment goals, LPL Financial advisors can help you build and preserve your wealth with clarity and confidence.

LPL Financial

Blake is a financial advisor who provides objective financial advice and consulting services designed to bring clarity and direction to complex financial decisions. Blake works with individuals and families seeking thoughtful guidance on everything from day-to-day financial choices to long-term planning strategies.

Rather than leading with products or assumptions, Blake takes a consultative approachlistening first, analyzing options, and helping clients understand the trade-offs behind each decision. Areas of guidance include cash flow planning, investment strategy, retirement planning, risk management, tax-aware decision-making, and major life transitions such as career changes or retirement.

Blake's role is to serve as a trusted resource and strategic partner, helping clients evaluate choices with confidence and avoid costly missteps. Through clear communication and practical insights, Blake empowers clients to make informed decisions that align with their goals and values.

Charging a financial consulting fee allows you to take our plan and recommendations to any advisor of your choosing. You are not required to implement planning recommendations through our firm.

Portfolio management is the disciplined process of building, maintaining, and adapting an investment strategy designed to support long-term financial goals. At its core, effective portfolio management balances risk and return while accounting for each investor's time horizon, objectives, and tolerance for market volatility.

A well-constructed portfolio begins with asset allocationthe mix of stocks, bonds, and other investments that drives the majority of long-term performance. Rather than attempting to predict short-term market movements, portfolio management focuses on diversification across asset classes, sectors, and geographies to reduce unnecessary risk and improve consistency over time. This diversified foundation is tailored to each client's specific needs and evolves as life circumstances change.

Ongoing management is just as important as initial design. Markets shift, investments drift from their targets, and economic conditions change. Through regular monitoring and rebalancing, portfolios are kept aligned with their intended risk profile and objectives. This disciplined process helps investors avoid emotional decision-making during periods of market stress or euphoria, reinforcing a long-term perspective.

Tax efficiency is also a key component of portfolio management. Strategic asset location, tax-aware rebalancing, and thoughtful realization of gains and losses can enhance after-tax returns over time. When combined with a broader financial plan, portfolio management becomes a powerful tool to support retirement planning, wealth accumulation, and legacy goals.

Ultimately, portfolio management is not about chasing performance. It is about creating a thoughtful, resilient investment strategy designed to adapt, endure, and support financial confidence through every stage of life.

Blake is a financial advisor who specializes in retirement planning, helping individuals and families transition from saving and accumulating wealth to confidently living off it. With a thoughtful, goal-driven approach, Blake works closely with clients to design retirement strategies that balance income, growth, and risk across every stage of life.

Blake understands that retirement planning is about far more than picking an age or a number. It involves coordinating investments, income sources, taxes, healthcare costs, and legacy goals into a cohesive plan designed to last. By focusing on long-term sustainability and flexibility, Blake helps clients prepare for both the expected milestones and the unexpected challenges that retirement can bring.

A key area of focus is retirement income planningcreating reliable, tax-efficient income streams that support a client's lifestyle while managing longevity risk. This includes guidance on Social Security claiming strategies, portfolio withdrawal planning, and aligning asset allocation with evolving retirement needs. Throughout the process, Blake emphasizes disciplined decision-making and education, empowering clients to feel informed and confident about their choices.

Blake is a financial advisor who specializes in guiding clients through the complexities of 401(k) rollovers and workplace retirement transitions. Job changes, retirements, and corporate benefits decisions often create time-sensitive choices, and Blake helps clients evaluate their options with clarity and confidence.

Rather than assuming a rollover is always the right move, Blake focuses on education and analysiscomparing costs, investment options, creditor protections, tax considerations, and long-term flexibility between employer plans and IRAs. This thoughtful approach ensures each recommendation is aligned with the client's broader financial picture and retirement goals.

Blake works closely with clients to coordinate rollovers with investment strategy, tax planning, and retirement income needs, helping minimize unnecessary taxes and avoid common pitfalls. Clear communication and disciplined guidance help clients make informed decisions during moments of transition, when mistakes can be costly.

With a fiduciary mindset and a commitment to transparency, Blake serves as a trusted partner for individuals navigating career changes or preparing for retirementensuring their retirement assets remain aligned, protected, and positioned for long-term success.

Blake is a financial advisor who provides recommendations regarding annuity products in accordance with Regulation Best Interest, helping clients evaluate how these solutions may align with their retirement and income planning objectives. Blake works with clients to assess whether annuities are appropriate based on their individual financial circumstances, investment objectives, risk tolerance, liquidity needs, and time horizon.

Annuity recommendations are made only after considering reasonably available alternatives, associated costs, features, and potential benefits and limitations. Blake emphasizes clear communication and education, helping clients understand how different annuity structuressuch as fixed, indexed, or variable annuitiesmay function within a broader financial strategy.

Rather than viewing annuities as standalone solutions, Blake considers how they may complement other investments, income sources, and planning strategies. This includes evaluating trade-offs related to guarantees, market exposure, surrender charges, fees, and tax treatment.

Operating within an independent broker-dealer framework, Blake is committed to acting in the client's best interest at the time of each recommendation, while maintaining transparency around compensation and material conflicts of interest. The goal is to provide thoughtful, well-documented guidance that supports informed decision-making and long-term financial confidence.

Blake is a financial advisor who specializes in estate planning and trust services, helping clients preserve and transfer wealth according to their values and long-term objectives. Blake works closely with individuals and families to create strategies that protect assets, minimize taxes, and ensure a smooth transfer of wealth to heirs or charitable causes.

Blake's approach begins with understanding each client's unique goals, family dynamics, and financial situation. From there, he collaborates with estate planning attorneys, tax professionals, and trust officers to design comprehensive plans that may include wills, trusts, charitable giving strategies, and wealth transfer techniques. By coordinating these elements, Blake helps clients implement solutions that align with both their personal wishes and financial objectives.

Education and clarity are central to Blake's process. He ensures clients understand the purpose, benefits, and limitations of various estate planning tools, empowering them to make informed decisions with confidence. Additionally, Blake provides ongoing guidance as laws, family circumstances, or financial situations evolve, keeping plans up to date and effective.

Committed to acting in the client's best interest, Blake combines technical expertise with a fiduciary mindset to deliver thoughtful, practical advice. His goal is to help clients achieve peace of mind, knowing their legacy is protected and their wealth is structured for lasting impact.

Blake is a financial advisor who specializes in education funding and planning, helping families create strategies to meet the rising costs of higher education while maintaining broader financial goals. Blake works closely with clients to develop tailored plans that balance savings, investment growth, and tax efficiency.

Blake's approach begins with understanding each family's objectives, timeline, and resources. He helps clients evaluate options such as 529 college savings plans, custodial accounts, scholarships, and financial aid strategies, ensuring that education funding decisions complement long-term goals like retirement, estate planning, and wealth management. By modeling multiple scenarios, Blake helps families anticipate costs, set realistic savings targets, and implement disciplined strategies to achieve them.

Education and clarity are central to Blake's process. He provides guidance on contribution strategies, tax benefits, investment choices, and timing considerations, empowering families to make informed decisions with confidence. Blake also monitors progress over time, adjusting plans as tuition costs, financial circumstances, or educational goals evolve.

Committed to acting in clients' best interests, Blake combines technical expertise with a fiduciary mindset to deliver practical, thoughtful advice. His goal is to help families fund education effectively, reduce financial stress, and create opportunities for children to pursue their academic ambitions while preserving overall financial security.

Blake is a financial advisor who provides comprehensive wealth management services designed to help clients build, preserve, and transition their wealth with confidence. Taking a holistic approach, Blake integrates investment management, financial planning, tax-aware strategies, and risk management into a cohesive plan aligned with each client's long-term goals and values.

Blake works closely with individuals and families to navigate the complexities that come with growing wealthfrom accumulating assets and managing cash flow to preparing for retirement and planning for future generations. Rather than focusing on short-term market movements, Blake emphasizes disciplined portfolio construction, diversification, and long-term decision-making to support sustainable outcomes.

A key component of Blake's wealth management process is coordination. Investments are managed in the context of a broader financial picture that includes taxes, estate considerations, insurance planning, and retirement income needs. Through regular reviews and proactive communication, Blake ensures strategies remain aligned as markets change and life evolves.

As a former representative of one of the top-rated Mutual insurance companies, Blake has a strong focus on risk managementhelping clients protect what they've built while planning confidently for the future. Blake believes that effective financial planning is not about eliminating risk, but about understanding it, prioritizing it, and managing it intentionally.

Risk shows up in many forms, from market volatility and inflation to longevity, healthcare costs, and unexpected life events. Blake works closely with clients to identify potential vulnerabilities and design strategies that balance growth with protection. This includes thoughtful asset allocation, diversification, liquidity planning, insurance analysis, and ongoing portfolio monitoring to help clients remain resilient through changing market conditions.

Blake provides steady, objective guidance designed to reduce unnecessary risk while preserving long-term opportunity. The goal is simple: to help clients move forward with clarity, confidence, and peace of mind.

LPL Financial

About LPL Financial

General Information

Compliance

Qualifications & Membership

Firm Information

Compensation and Fees

Disclosures

Disclaimer