Comprehensive retirement planning through independent investment advisory and insurance services — personalized strategies built around your goals and your life.
At Thrive Financial, LLC, investment advisory and insurance planning are coordinated service lines of one firm, so your retirement plan works as one cohesive strategy.
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Independent Advice
As an independent firm, we're never incentivized by any single product or provider. Our only goal is your financial well-being.
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Coordinated Planning
Investments and insurance working in concert under one team, so your overall plan is coordinated from day one.
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Goal-Centered Strategy
Every recommendation starts with your goals — retirement age, income needs, legacy wishes — and builds outward from there.
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Ongoing Partnership
We're with you every step of the way — from first appointment through retirement and beyond, adjusting as life changes.
What We Offer
Coordinated Services, One Retirement Plan
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Investment Advisory
OFFERED THROUGH GRADIENT ADVISORS, LLC
Fee-based investment management and retirement income planning tailored to your risk tolerance and timeline.
At Thrive Financial, we believe retirement planning is one of the most important journeys a person can take — and it deserves more than a generic roadmap.
We founded Thrive Financial to offer something different: an independent practice where clients can access both investment advisory expertise and insurance expertise, so they never have to wonder if the pieces of their plan fit together. Investment advisory services are offered through Gradient Advisors, LLC; insurance products and services are offered through Greg Crupi, independent agent.
Our independence means we answer only to you. We're not beholden to any single product, company, or quota. Every recommendation we make is rooted in what's right for your goals, your family, and your future.
Integrity First
We do what's right, always — even when it's not the easiest path.
True Independence
No affiliations that compromise our advice.
Client-Centered
Your goals shape every strategy we build.
Long-Term Focus
We plan for decades, not just the next quarter.
INDEPENDENT & FIDUCIARY‑MINDED
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Investment Advisory Services
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Insurance Services
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Retirement Planning Focused
Our Approach
How We Work With You
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Discovery
We start by listening — your goals, concerns, timeline, and vision for retirement.
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Analysis
We assess your full financial picture — investments, insurance gaps, income needs, and risk.
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Strategy
We build a coordinated, personalized plan covering both investments and insurance.
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Ongoing Care
We review and adjust as markets shift and life evolves — staying with you for the long haul.
Life LicensedHealth LicensedVariable ContractsSeries 65
Investment advisory services offered through Gradient Advisors, LLC. Insurance products and services offered through Greg Crupi, independent agent.
Greg Crupi grew up in Owls Head, Maine with a natural curiosity about investing and financial markets. That early passion evolved into a 15+ year career dedicated to helping Maine families protect their savings and build reliable income they can count on throughout retirement.
Greg founded Thrive Financial with a clear purpose — to give clients access to both fiduciary investment advisory services (offered through Gradient Advisors, LLC) and independent insurance planning. Most advisors focus on one or the other. Greg is licensed in both areas, which means every client gets a complete, coordinated view of their retirement picture.
His approach is refreshingly relaxed and client-centered. Rather than arriving with a predetermined plan, Greg walks clients through all available options so they can actively participate in building their own financial strategy. No pressure. No jargon. Just honest, clear guidance tailored to your life.
What sets Greg apart is his forward-thinking mindset — constantly looking for ways to leverage changes in markets and technology to benefit his clients. He's not just planning for the retirement you have today, but the one you'll be living 20 years from now.
"When I'm not working with clients, you'll find me skiing or snowmobiling up at our camp in Rangeley, out on the golf course, or hosting a backyard BBQ with family and friends in Cumberland. Meg and our three kids keep life full — and remind me every day why planning for a secure retirement truly matters."
— Greg Crupi, Founder of Thrive Financial
Institutional Expertise
Gradient Investments Portfolio Management Team
Greg may refer advisory clients to Gradient Investments, LLC for portfolio management services. Meet the portfolio managers below.
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Michael Binger, CFA® , President of Gradient Investments, LLC
As 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.
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Keith Gangl, CFA®, Senior Portfolio Manager of Gradient Investments, LLC
Keith 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, and has been featured in media outlets such as CNBC, Bloomberg, Investor's Business Daily, Nasdaq and Reuters.
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Tyler Ellegard, CFA®, Senior Portfolio Manager of Gradient Investments, LLC
Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.
This endorsement of Gradient Investments, LLC, (GI) and its portfolio management services is provided by an investment advisor representative of Gradient Advisors, LLC (GA). This investment advisor representative refers clients to GI for portfolio management services. GI does not pay separate compensation to GA in relation to its endorsement or any promotional services. However, GA receives a portion of the advisory fees paid by clients who utilize the portfolio management services of GI. GA also shares in the revenue of GI via quarterly payments based on the amount of total assets GA places with GI. This endorsement incentivizes GA in increasing the assets placed with GI, and therefore the compensation received by GA. GA's investment advisor representatives are not affiliated with or supervised by GI. An additional conflict of interest exists because GA and GI are under common ownership. While these conflicts of interest exist, investment advisor representatives of GA are subject to fiduciary duty and must act in the best interests of their clients. These investment advisor representatives and their clients are not required to use GI, and may select other investment managers.
Ready to Meet with Us?
We'd love to learn about your retirement goals and share how we can help.
From growing your wealth to protecting it — investment advisory and insurance services, coordinated by one firm, Thrive Financial, LLC, to give you a complete retirement strategy.
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INVESTMENT ADVISORY SERVICES
Offered through Gradient Advisors, LLC, an SEC Registered Investment Advisor
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Investment Advisory
Personalized, fee-based investment management — offered through Gradient Advisors — focused on helping you grow and preserve wealth for retirement.
Portfolio management & asset allocation
Retirement income planning
IRA & 401(k) rollover guidance
Risk tolerance assessment
Tax-efficient investment strategies
Social Security optimization
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Retirement Income Planning
We help you build a reliable income strategy for retirement — one that accounts for inflation, healthcare costs, and longevity so your money lasts as long as you do.
Income gap analysis
Withdrawal strategy planning
Pension & Social Security coordination
Required Minimum Distribution (RMD) planning
Legacy & estate income planning
Investment advisory services are offered through Gradient Advisors, LLC, an SEC Registered Investment Advisor. Investments involve risk and are not FDIC insured. Past performance is not indicative of future results.
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INSURANCE SERVICES
A coordinated service of Thrive Financial, LLC — offered through Greg Crupi, independent agent
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Insurance Planning
Working independently with multiple carriers, we shop the market across top carriers to find the right coverage for your needs — with no pressure, no quotas, just the right fit.
Life insurance planning
Fixed & indexed annuities
Medicare supplement & Advantage plans
Long-term care insurance
Disability income protection
Final expense coverage
Insurance products and services are offered through Greg Crupi, independent agent.
Annuities are long-term insurance products primarily designed to provide retirement income. Early withdrawals from an annuity may result in loss of principal and credited interest due to surrender charges. Guarantees are based on the claims paying ability of the issuing insurance company.
Riders that provide long-term care benefits may not cover all the costs associated with long-term care. You should carefully review all limitations in any policy, and/or riders you're considering purchasing. Optional riders incur additional cost. Costs, restrictions, and other conditions may apply, some features and riders may not be available in all states. Guarantees are based on the claims-paying ability of the issuing insurance company.
We are not affiliated with, or endorsed by, the federal Medicare program or any other government agency.
Not Sure Where to Start?
Schedule a free, no-obligation consultation. We'll review your situation and explain exactly how we can help.
