About Michael
Michael
Garibaldi
Independent Benefits & Financial Consultant

My goal is simple — that anyone who spends time with me walks away more informed, more confident, and better positioned than before we met. Whether that takes one conversation or several, I'm here for it.

Michael Garibaldi
Michael Garibaldi
Grand Junction, Colorado
CO Life & Health Producer — License #368478
Elite Financial Freedom — Broker
Aflac — Supplemental Benefits
360 Advantage — Payroll Tax Strategy
Serving Western Colorado

Nobody taught me this stuff either.

I was raised by a single father who gave everything he had to make sure his three kids were taken care of. We didn't have much. And from a young age, watching him struggle with money left a mark on me — not bitterness, but a quiet resolve. I didn't want that for him. I didn't want it for my family. I didn't want it for myself.

The problem wasn't that my dad didn't care about finances. It's that no one ever taught him. And that's true for most people. Most of us were never handed a roadmap — for budgeting, for insurance, for retirement. We were just expected to figure it out on our own, and many people assume their workplace benefits and retirement plans will be enough. Sometimes they are. Often, there are gaps that don't become obvious until years later.

"Too many people spend decades working hard without a clear picture of what retirement will actually require. By the time they start asking the questions, they've lost valuable time."

Before this work, I spent years in service-oriented roles:

United States Marine Corps Veteran
Former Detentions Deputy
Former Youth Services Specialist
Licensed CO Life & Health Insurance Producer
Independent Benefits & Financial Consultant

Those fields taught me discipline, observation, and how to stay calm when the stakes are high. I've carried those habits into this work. I came to this field because I wanted to be the person who actually understands money — not just reads about it, but lives it, and then helps others make more informed decisions. That's what drives me. Not the transaction. The transformation.

Three things I believe about this work

01
Education before everything

I don't believe in moving forward on something you don't fully understand. My first job is to make sure you know what you're looking at, what it does for you, and why it matters. A confident, informed decision is the only kind worth making.

02
Preparedness is a form of care

The people I work with aren't just clients — they're someone's parent, spouse, or provider. Planning ahead isn't about fear; it's about giving the people you love the security they deserve. I take that seriously because I've lived on both sides of it.

03
Value first, always

If you walk away from our conversation feeling like it was worth your time — that's success to me. I want to be the person you call when you have a question, and the first name you think of when a friend needs help. Referrals are earned, not requested.

People who protect and provide for others.

Whether you're an individual looking to get a clearer picture of your financial future, or a business owner trying to do more for your team — if you're the kind of person who takes your responsibilities seriously, we'll probably work well together.

Veterans
First Responders
Government Employees
Healthcare Professionals
Small Business Owners
Trades & Construction
Approaching Medicare
Families Planning Ahead

The same person in every room

I don't leave who I am at the door when I sit down with a client. The same care I put into my personal life — into staying sharp, being present, planning ahead — shows up in how I work with people.

I listen more than I talk. I ask questions before I offer answers. And I'd rather take the time to get something right than move quickly and leave someone confused.

That's not a strategy. It's just how I'm wired.

"I want to be a person of value — and to provide value to others. That's the measure I hold myself to."

Money has been a source of stress in my own life. I know what that weight feels like. And I know what it means to want the security of knowing that financial pressure is no longer standing between you and the life you're working toward.

That's not abstract to me. It's personal. Which is exactly why I show up the way I do for the people I work with.

If you're looking for someone who will sit across the table, tell you the truth, and help you build something that lasts — I'd like to be that person.

From the first conversation

No obligation. No pressure. Just an honest conversation about where you are and where you want to be.

1
We'll discuss your goals and concerns.
2
We'll identify any obvious gaps or opportunities.
3
If I can help, I'll explain how.
4
If I'm not the right fit, I'll point you in the right direction.
No obligation. No pressure.

Ready to have a real conversation?

No pressure, no jargon. Just an honest look at where you are and what's possible.