VETTED
Blake Calligaro
CFP®, RICP®, ChFC®
Tel: 410-688-4029 3355 Sw 11 St Miami, FL 33135
About Blake Calligaro
Blake Calligaro is a dedicated financial advisor committed to helping individuals and families build clarity, confidence, and long-term security around their financial lives. With a client-first philosophy and a disciplined, evidence-based approach.
We help clients to turn complex financial decisions into clear, actionable strategies aligned with what matters most to them.
Blake works with clients across all stages of life, from young professionals building strong financial foundations to families balancing competing priorities and retirees focused on protecting and enjoying what theyve built. Areas of focus include comprehensive financial planning, investment management, retirement planning, tax-efficient strategies, risk management, estate planning, and education funding. Rather than offering one-size-fits-all solutions, Blake believes every financial plan should reflect a clients unique goals, values, and circumstances.
At the core of Blakes approach is the belief that good financial planning is about more than numbersits about people. Markets will fluctuate, life will change, and unexpected events will happen. By emphasizing diversification, long-term thinking, and disciplined decision-making, Blake helps clients stay focused on what they can control while navigating uncertainty with confidence. Education plays a central role in this process, and clients are encouraged to understand not just what decisions are being made, but why they matter.
Blake holds the industry gold standard, CFP®, CHFC®, RICP® designations and Series 7/65/6/63, and continually stays current with industry research, regulatory changes, and best practices. This commitment to ongoing learning allows Blake to provide thoughtful guidance grounded in both technical expertise and real-world application. Integrity, transparency, and accountability guide every client relationship.
Outside of work, Blake enjoys high level fitness... ultrarunning, weightlifting, international travel, golf, and believes that a well-planned financial life should support a rich and fulfilling personal life. Blake is passionate about helping clients align their money with their purpose, so they can spend more time focusing on what truly matters.
Whether navigating a major life transition or simply seeking a trusted partner to help manage long-term goals, Blake is committed to providing guidance, perspective, and peace of mind every step of the way.
About LPL FinancialBlake works with clients across all stages of life, from young professionals building strong financial foundations to families balancing competing priorities and retirees focused on protecting and enjoying what theyve built. Areas of focus include comprehensive financial planning, investment management, retirement planning, tax-efficient strategies, risk management, estate planning, and education funding. Rather than offering one-size-fits-all solutions, Blake believes every financial plan should reflect a clients unique goals, values, and circumstances.
At the core of Blakes approach is the belief that good financial planning is about more than numbersits about people. Markets will fluctuate, life will change, and unexpected events will happen. By emphasizing diversification, long-term thinking, and disciplined decision-making, Blake helps clients stay focused on what they can control while navigating uncertainty with confidence. Education plays a central role in this process, and clients are encouraged to understand not just what decisions are being made, but why they matter.
Blake holds the industry gold standard, CFP®, CHFC®, RICP® designations and Series 7/65/6/63, and continually stays current with industry research, regulatory changes, and best practices. This commitment to ongoing learning allows Blake to provide thoughtful guidance grounded in both technical expertise and real-world application. Integrity, transparency, and accountability guide every client relationship.
Outside of work, Blake enjoys high level fitness... ultrarunning, weightlifting, international travel, golf, and believes that a well-planned financial life should support a rich and fulfilling personal life. Blake is passionate about helping clients align their money with their purpose, so they can spend more time focusing on what truly matters.
Whether navigating a major life transition or simply seeking a trusted partner to help manage long-term goals, Blake is committed to providing guidance, perspective, and peace of mind every step of the way.
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.
See DisclosuresGeneral Information
Name of Broker/Dealer:
LPL FINANCIAL LLC
States Licensed in:
FL, GA, DC, VA, SC, NJ, PA, MD, NC, TX
Number of Years with Current Firm:
1
Work with the following types of clients:
Individual Investors, Businesses
Advisory Services Provided:
Financial Advice & Consulting, Investment Advice & Management, Estate Planning & Trusts, Insurance Products & Annuities, Financial Planning, Portfolio Management, Retirement Planning, 401K Rollovers, Risk Management, Education Funding and Planning, Financial Planning for Individuals, Financial Planning for Businesses, Legal Advice and Services, Wealth Management
Qualifications & Memberships
Insurance and Annuity Licenses:
Annuity, Health, Life, Variable Annuity, Long Term Care, Variable Life, Accident, Disability
Services
Investment Types:
Insurance, Annuities, Stocks, Bonds, Options & Futures, Mutual Funds, Commodities, Alternative Investments, Exchange Traded Funds (ETFs)
Can meet clients in the following ways:
Your Home, Our Office, Video Conference, Phone
Compensation and Fees
Fee Structure:
Fee-Based
Compensation Methods:
Commissions, Hourly, Based on Assets, Flat Fee
Firm Information
Advisor's Number of Clients:
100
Advisor's Number of Managed Clients:
100
Advisor's Number of Planning Clients:
100
Preferred meeting methods
I provide a free initial consultation:
Yes
Financial Advice & Consulting
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 approachlistening 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
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 allocationthe 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.
Retirement Planning
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 planningcreating 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.
401K Rollovers
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 analysiscomparing 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 retirementensuring their retirement assets remain aligned, protected, and positioned for long-term success.
Annuities
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 structuressuch as fixed, indexed, or variable annuitiesmay 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.
Estate Planning & Trusts
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.
Education Funding and Planning
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.
Wealth Management
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 wealthfrom 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.
Risk Management
As a former representative of one of the top-rated Mutual insurance companies, Blake has a strong focus on risk managementhelping 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.
Disclosures
WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.
LPL ADV 2A
https://www.lpl.com/content/dam/lpl-www/documents/disclosures/A58.pdf
Additional Detailed Disclosures
https://www.lpl.com/content/dam/edam/format/disclosure/wiseradvisor-lpl-detailed-disclosures.pdf
12 Years of Experience
Compliance
Investment Advisor RepresentativeYes
Acknowledged fiduciaryYes
Compliance Disclosures in Last 5 yearsI have a clean record
Criminal Disclosures in Last 5 yearsI have a clean record
Office Hours
Monday9:00 AM - 6:00 PM
Tuesday9:00 AM - 6:00 PM
Wednesday9:00 AM - 6:00 PM
Thursday9:00 AM - 6:00 PM
Friday9:00 AM - 6:00 PM
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