Don Delaria Jr. and the Capital Financial Management NC team are committed to helping grow and protect your hard-earned retirement assets. In doing so, they focus on staying current with the issues that affect their clients the most.
We partner with some of the top financial and insurance carriers in the industry to provide you with the best products and services to meet your needs. Plus, because we work with so many providers, we’re able to find unique solutions from our large variety of options available. No product pushing here. It’s all about the perfect fit for you.
Don Delaria Jr.
President and Founder
Don Jr. works with pre-retirees and retirees, helping them tackle the issues that are important to their financial well-being.
Don Jr. and his staff are committed to helping their clients have a solid financial future with added confidence to stay the course toward prosperity. As a team, we assist in helping people reach their financial goals. Don Jr. does this by staying current with issues and concerns that can affect his clients most.
His passion for helping others began when he enlisted in the Air Force. After honorably serving, he began his transition into the financial sector. This transition took place over 32 years ago. He is a licensed Investment Advisor Representative and licensed insurance professional. He is the president of Capital Financial Management NC, Inc. as well as Capital Consulting Group NC, Inc. In addition, he has appeared on Money.com and Fortune.com.
On a personal note, Don Jr. and his wife, Patti, have been married for 32 wonderful years and have two sons, Don III and Sam. Sam is currently pursuing his MBA in finance at the University of North Carolina at Charlotte. Don III is a former enlisted Marine and Afghanistan veteran. He also heads the insurance department at our sister company, Capital Consulting Group NC, Inc. Don Jr. and Patti currently reside in Fuquay-Varina, North Carolina.
Please feel free to call Don Jr. for a confidential, no-fee consultation. Together, we can help you have a better retirement.
Strategic Alliances
Gradient Investments, LLC’s investment management team is at your disposal.
We believe all investors are unique. To help you advance toward your financial goals, we help you develop a personalized approach to investing. We consider your investment goals, desired return objectives, risk tolerance, time horizon, and income needs.
We also partner with Gradient Investments, LLC, a fee-only investment manager that provides unique portfolio strategies and actively manages risk.
Gradient Investments portfolios invest in stocks, bonds, and exchange traded funds (ETFs) utilizing separately managed accounts. Together with Gradient Investments, we address your investment challenges through a proprietary 3-Axis Control System which actively manages Risk Exposure, Investment Strategy and Investment Performance.*
Whether your investment goal is preserving principal, maximizing income or capital appreciation, Gradient Investments’ portfolio offerings provide a solution designed to help you work towards achieving your long-term investment goals.
*Investing involves risk of loss including possible loss of principal
MICHAEL BINGER, CFA®
PRESIDENT GRADIENT INVESTMENTS, LLCAs President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
KEITH GANGL, CFA®
SENIOR PORTFOLIO MANAGER GRADIENT INVESTMENTS, LLCKeith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, managed a Lipper Award-winning mutual fund, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
KYLE BERGACKER, CFA®
PORTFOLIO MANAGER GRADIENT INVESTMENTS, LLCKyle joined Gradient Investments in 2025 and has more than 15 years of financial services experience. Prior roles include portfolio manager with a couple of large international institutional asset management firms, also was an advisor with a retail wealth advisory firm. Kyle has developed experience with financial advice, asset allocation, and investment analysis across the asset spectrum. He is a CFA® charter holder and has appeared on the Schwab network.
*This endorsement of Gradient Investments, LLC is provided by an investment advisor who refers clients to Gradient Investments, LLC. A conflict of interest exists because this investment advisor receives a portion of the annual management fee charged by Gradient Investments, LLC, based on the assets under management of this investment advisor’s clients. This endorsement could assist in the investment advisor increasing the assets placed with Gradient Investments, LLC, and therefore their compensation. These investment advisors are not affiliated with or supervised by Gradient Investments, LLC.