Michael Argiro

Michael Argiro is the Founder and President of 4T Financial, an independent financial planning and wealth management firm he founded more than 20 years ago. He serves as a trusted advisor to individuals, families, and business owners, specializing in helping pre-retirees, retirees, and high-net-worth families navigate complex financial decisions with clarity and confidence.

With more than 40 years of experience in the financial services industry, Michael provides comprehensive financial planning and asset management services tailored to each client’s unique goals and circumstances. His areas of focus include retirement planning, investment management, cash flow and debt strategies, estate planning, tax-efficient investing, and risk management solutions such as life, disability, and long-term care insurance.

Michael’s planning philosophy emphasizes simplicity, discipline, and long-term relationships built on trust and personalized guidance. He works closely with clients and their other trusted professionals—including CPAs and attorneys—to ensure every aspect of a financial plan is coordinated and aligned. Over the course of his career, he has guided hundreds of clients through changing markets, evolving financial landscapes, and important life transitions.

Over more than two decades leading 4T Financial, Michael has grown the firm through a relationship-driven approach centered on consistency, personal service, and multi-generational client relationships. As the firm continues to grow, he works closely with the next generation of advisors at 4T Financial to help ensure continuity of care and long-term support for the families he serves.

Prior to founding 4T Financial, Michael was affiliated with Securities America, Tower Square Securities, and MassMutual, where he built a strong foundation in financial planning and client service. He began his career in 1986 after earning his bachelor’s degree from the University of New Haven. He holds the ChFC® (Chartered Financial Consultant®) and CLU® (Chartered Life Underwriter®) designations and maintains licenses in life, health, disability, and long-term care insurance.

Michael and his wife, Louise, reside in Cheshire, Connecticut. He is actively involved in the community, including participation in the Closer to Free Ride, which supports cancer research and patient care at Smilow Cancer Hospital. Outside of work, Michael is an avid cyclist and is always on the hunt for the perfect slice of pizza.