Cindy Giovacchino is the owner and president of GIO Financial, LLC in Seymour, Connecticut. Her official records list her with Osaic Institutions, Inc., which is a separate company. This guide uses public SEC and FINRA records. It covers her work history, her exams, and 12 customer-dispute reports, and explains what those reports do and do not prove.
Current Checks
These facts can change. Check them again before you rely on them. The SEC report used here was updated on September 15, 2026.
| Item | What the records show |
|---|---|
| Current firm (SEC record) | Osaic Institutions, Inc. |
| Registration status | Not inactive or suspended when the SEC report was updated |
| Customer-dispute reports | 12, all marked final, none pending |
| Business address | GIO Financial, LLC, 6 Ray Street, Seymour, CT 06483 |
| Office phone | 203-828-6073 |
| Mobile phone (listed on GIO Financial’s website) | 203-231-0554 |
| [email protected] | |
| Osaic fee document | Form CRS dated March 2024 (check for a newer version) |
Who Is Cindy Giovacchino?
Her official profile lists her as Owner/President of GIO Financial, LLC. Her full name in the SEC record is Cynthia Ann Giovacchino. FINRA’s BrokerCheck report uses the name Cynthia A. Giovacchino.
Her CRD number is 3274194. A CRD number is an identification number FINRA assigns to securities firms and registered professionals. It helps identify the correct person in official records.
The SEC’s IAPD is the Investment Adviser Public Disclosure database. FINRA’s BrokerCheck is a free tool that shows a broker’s history. Both are used in this article.
Cindy Giovacchino’s Career and Professional Background
The SEC record shows her registration history. A registration is official permission to work for a firm.
| Firm | Dates | Type |
|---|---|---|
| Webster Investment Services, Inc. | September 2, 1999 to February 13, 2007 | Broker |
| UVEST Financial Services Group, Inc. | February 13, 2007 to October 11, 2011 | Broker |
| LPL Financial LLC | October 11, 2011 to December 21, 2023 | Broker |
| LPL Financial LLC | November 19, 2012 to December 22, 2023 | Investment adviser |
| Osaic Institutions, Inc. | December 14, 2023 onward | Broker |
| Osaic Institutions, Inc. | December 21, 2023 onward | Investment adviser |
Her Previous Work at UVEST and LPL Financial
Her earliest listed broker registration was with Webster Investment Services, Inc. in September 1999. She moved to UVEST in February 2007. She then moved to LPL Financial in October 2011 and stayed there until December 2023.
The SEC report also lists work at Webster Bank as a branch manager. That job ran from August 1986 to December 2023. The report marks it as not investment-related.
Her Current Registration With Osaic Institutions
Her broker registration with Osaic started on December 14, 2023. Her investment adviser representative registration started on December 21, 2023. The SEC report lists 16 jurisdictions and one SRO. An SRO is a self-regulatory group, such as FINRA.
Professional Examinations and Qualifications
FINRA’s report lists five exams she passed.
| Exam | Date passed |
|---|---|
| Series 6 | September 1, 1999 |
| Series 63 | September 15, 1999 |
| Series 7 | August 7, 2007 |
| Series 66 | November 16, 2012 |
| Securities Industry Essentials (SIE) | October 1, 2018 |
These are exam records. They do not prove a college degree or a CFP title. Those details were not confirmed in the records reviewed.
What About the “25 Years” Claim?
CEOWORLD and a March 2025 press release say she has more than 25 years of financial planning experience. Her official records show exams and a broker registration from 1999. They also show bank employment from 1986, which the SEC report marks as not investment-related. So treat the 25-year figure as a claim from her published profile.
What Is GIO Financial and What Services Does It Offer?
GIO Financial’s website lists these services:
| Service | What the company says it offers |
|---|---|
| Retirement planning | Retirement strategies |
| Investment management | Strategic investments and portfolio management |
| Wealth management | Portfolio building and risk management |
| Estate planning | Estate and legacy planning |
GIO Financial’s website also includes insurance information and lists life insurance. However, insurance products are offered through Osaic Institutions, Inc. Advisory services are offered through GIO Financial, LLC.
GIO Financial also provides tax-related information through its online Resource Center. Its Services page lists its financial and investment services separately.
Retirement, Investment and Wealth Management
The homepage names several groups of clients. They include entrepreneurs and executives, peak career professionals, pre-retirees and retirees, and high-net-worth clients. It also lists a three-step process and a way to book a consultation.
GIO Financial vs. Osaic Institutions
These are two different companies. GIO Financial’s website says three things:
- Securities and insurance are offered through Osaic Institutions, Inc.
- Advisory services are offered through GIO Financial, LLC.
- GIO Financial, LLC and Osaic Institutions, Inc. are unaffiliated.
So she is the president of GIO Financial. She is not the president of Osaic. The records show only that she is registered with Osaic.
Osaic’s Form CRS explains how its brokerage and advisory services work. Brokerage services can involve commissions. Advisory fees can be based on assets, an hourly rate, or a fixed fee. The form also says some pay setups create conflicts of interest. These are firm-wide notes, not Cindy’s personal fees. The copy reviewed is dated March 2024.
What Does Cindy Giovacchino’s FINRA BrokerCheck Record Show?
The reports show 12 customer-dispute disclosures. A disclosure is an event that regulators require to be listed. Here, each one is a customer complaint that was settled. All 12 are marked final, and none are pending.
Understanding the 12 Customer-Dispute Disclosures
A complaint listed in this record is an allegation. That means a customer claimed something. It is not proof that the claim was true.
FINRA also says a settlement can happen without any finding of wrongdoing. A settlement often means both sides agreed to end the dispute. So the count alone does not tell you who was right.
Reported REIT and Alternative-Investment Complaints
A REIT is a real estate investment trust. It is a company that owns or finances property. Several complaints involve REITs and other alternative investments.
| Issue | What the customer alleged |
|---|---|
| REIT fit | The REIT was unsuitable for the customer’s profile and risk tolerance |
| Liquidity | The investment was illiquid and risky |
| REITs and structured notes | Unsuitability and misrepresentation |
| REIT term | The REIT was misrepresented as a 3-year term |
| Structured notes | The notes were misrepresented as a safe investment |
| Market-linked notes | The notes were presented as principal protected |
Here is one case in detail. A customer said an alternative investment bought in 2017 was illiquid and risky. The customer claimed $300,000 in US dollars in damages. The record shows a settlement of $14,999 in US dollars on July 6, 2025. Cindy paid $0 of that herself.
The firm said the investment was suitable and disputed the claimed loss. Cindy’s response also disputed the size of the alleged loss.
Structured Notes and Settlement Details
Structured notes are securities issued by financial institutions. Their returns are linked to an asset, market index, or other investment. They combine a bond part with an embedded derivative. A derivative is a contract whose value depends on something else.
In one complaint, a customer said market-linked notes were described as principal protected. Principal protection may return some or all of the original investment at maturity. However, protection can be partial or conditional. It also depends on the financial health of the company issuing the note.
That case settled for $27,727.72 in US dollars. The record shows Cindy contributed $15,000 in US dollars of that amount.
Her recorded statement says she denied calling the notes principal protected. It also says she admitted two mistakes. She misstated the barrier level of one note. She also wrongly told the client that the full principal would be paid back.
What the Settlement Records Actually Mean
A settlement is not a court verdict. It does not prove that every claim was true. It also does not erase the claim.
Look at the details. Check what the customer alleged, what Cindy and the firm said, and how much was paid. Those details tell you more than the count of 12.
Are There Independent Reviews of Cindy Giovacchino?
No independent review pages could be checked for her. Because of this, no one can say what clients think of her. The official records are the main source here.
Yahoo Finance identifies its March 20, 2025 article as a paid press release. The same announcement appears on Access Newswire. CEOWORLD separately published a CEO Spotlight feature on March 6, 2025. Its sponsorship status is not confirmed. Do not treat the press release as an independent check of her work.
How to Check Cindy Giovacchino’s Professional Background
You can check any financial professional in a few minutes. Here is a simple list:
- Search her name on FINRA BrokerCheck and the SEC’s IAPD. Use CRD number 3274194 to be sure you have the right person.
- Read the “Disclosure” pages, not just the summary.
- Check which firm she is registered with today.
- Read the firm’s Form CRS to learn how it charges fees.
- Ask her whether she is acting as a broker, an investment adviser, or both.
- Ask whether she has a disciplinary history and what type of conduct it involved.
The SEC’s Investor.gov site also suggests asking if the person works for a registered broker-dealer or adviser. It suggests asking if they are registered with a state securities regulator.
Frequently Asked Questions About Cindy Giovacchino
Who is Cindy Giovacchino?
She is the owner and president of GIO Financial, LLC in Seymour, Connecticut. Her full name in the SEC record is Cynthia Ann Giovacchino. She is also registered with Osaic Institutions, Inc.
What is Cindy Giovacchino’s CRD number?
Her CRD number is 3274194. It is the ID used in FINRA and SEC records. Use it to avoid mixing her up with someone who has a similar name.
Is Cindy Giovacchino the president of Osaic Institutions?
No. Her official profile lists her as owner and president of GIO Financial. Osaic is the firm she is registered with. GIO Financial says it is unaffiliated with Osaic.
How many customer disputes appear in her regulatory record?
The record shows 12 customer-dispute disclosures. All 12 are marked final, and none are pending. They were settled disputes. A settlement does not by itself mean wrongdoing was found.
What firms has Cindy Giovacchino previously worked with?
The SEC record shows Webster Investment Services from 1999 to 2007. It then shows UVEST Financial Services Group from 2007 to 2011. After that it shows LPL Financial from 2011 to December 2023. Since December 2023, she has been registered with Osaic Institutions.
What services does GIO Financial offer?
Its website lists retirement planning, investment management, wealth management, and estate planning. It also includes insurance and tax information, but insurance products are offered through Osaic Institutions, Inc. Check the site for the latest list.
Does Cindy Giovacchino have more than 25 years of experience?
That claim appears in a March 2025 press release and a CEOWORLD feature. The official records show exams and a broker registration from 1999. They also show bank employment from 1986, which the SEC report marks as not investment-related.
Is Cindy Giovacchino a CFP?
A CFP title could not be confirmed in the records reviewed. The records list five exams. None of them is a CFP exam.
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