About Ginas Financial


Ginas Financial Inc, an independent agency focusing on retirement planning, life insurance, Medicare and insurance needs. As certified financial fiduciaries we help protect your
Needs, Wants and Wishes.

At Ginas Financial, personalized support and strong relationships are at the core of our mission to serve our clients' interests. Tom Ginas, the founder and President of Ginas Financial, has over 25 years of experience in the financial services industry. With his extensive knowledge and designations as a Certified Financial Fiduciary, Retirement Income Certified Professional, Certified Medicare Insurance Planner, and National Social Security Advisor, Tom focuses on educating his clients about their options and planning strategies. With Ginas Financial, you can feel confident in making comprehensive, long-lasting, and fulfilling retirement plans that protect your: 

Needs, Wants and Wishes

Protecting Futures

With extensive experience in the insurance industry, Tom can guide you through the process of preparing for uncertain times. Whether you need advice on securing lifelong income, Medicare, or long-term care, Tom is well-equipped to assist you. Feel free to approach him for expert guidance on safeguarding your future.

Assessing Need

It's common knowledge among financial experts that unforeseen events coupled with insufficient insurance coverage can lead to trouble. Therefore, we urge you to get in touch with us right away. We will conduct a thorough analysis of your insurance requirements and provide you with the appropriate coverage at a reasonable cost. Don't wait any longer; contact us today to ensure that you are adequately protected.

Building Relationships

Since everyone's insurance needs are unique, we recommend that you contact us to receive a personalized evaluation for your business or personal needs. Our assessment will assist you in safeguarding your hard-earned assets. Don't hesitate to call us today and learn how we can provide you with the protection you need.


Retirement Income

We specialize in retirement income planning to help individuals achieve their financial goals during their golden years.


Medicare Benefits

Ginas Financial offers comprehensive Medicare benefits that can help you manage your healthcare expenses effectively.


Long Term Care

Ginas Financial provides comprehensive long-term care insurance that offers financial protection and peace of mind for individuals and their families.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

What is a deductible?

In case of a loss, a deductible is the sum that you are accountable for paying out-of-pocket, while the insurance covers the remaining amount. 

What are the benefits of Annuities?

Annuities are a type of financial product that offer a range of benefits to investors. One of the most significant benefits is the opportunity to receive a fixed income stream for a specified period or even for life. This feature can provide retirees with a stable and predictable source of income, which is especially important for those who may have limited sources of income during retirement. Another advantage of annuities is their tax-deferred growth potential. Earnings on an annuity are not subject to taxes until they are withdrawn, which can help investors maximize their savings over time. Additionally, annuities can offer a variety of options and features, including death benefits and long-term care coverage, which can help individuals and families better manage their financial risks. Overall, annuities can be an attractive option for those seeking a reliable and predictable source of income, along with potential tax benefits and additional features.

How soon after I enroll will my Medicare benefits begin?

If you enroll in Medicare during the Initial Enrollment Period (IEP) within the first three months, your coverage will begin on the month you turn 65. In case you enroll in the birth month, benefits will start the following month. However, if you enroll one month after your birthday, you will have to wait for two months before your coverage begins.

We Are Licensed In NC, SC, GA, NY, NJ, FL, PA, TX, VA, IA & AL