Comprehensive retirement planning through independent investment advisory and insurance services — personalized strategies built around your goals and your life.
We coordinate investment advisory and insurance expertise — each provided through its own dedicated entity — 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 — advisory services and insurance services are delivered separately, but your overall plan is coordinated so nothing falls through the cracks.
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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
Two Pillars of Retirement Security
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Investment Advisory
OFFERED THROUGH GRADIENT ADVISORS
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; insurance services are offered separately through Thrive Financial's independent insurance agency.
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.
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INDEPENDENT & FIDUCIARY-MINDED
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Investment Advisory Services
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Independent Insurance Agency
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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 65Fiduciary
Investment advisory services offered through Gradient Advisors. Insurance services offered through Thrive Financial's independent insurance agency.
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) and a fully independent insurance agency. 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 — with each service delivered through the appropriate entity.
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
The Portfolio Management Team Behind Your Investments
Through our advisory relationship with Gradient, client portfolios are professionally managed by the investment team at Gradient Investments, LLC — an SEC-registered investment adviser with decades of institutional experience.
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Michael Binger
CFA®
President
Leads Gradient Investments with more than 35 years of industry experience, including managing multi-billion-dollar institutional portfolios. A regular market commentator on CNBC, Fox Business, Bloomberg, and the Wall Street Journal.
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Keith Gangl
CFA®
Senior Portfolio Manager
Brings three decades of investment experience, including institutional asset management for a multi-billion-dollar portfolio. Featured in outlets such as Investor's Business Daily, Reuters, and Bloomberg.
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Tyler Ellegard
CFA®
Senior Portfolio Manager
Focuses on portfolio construction, equity research, and investment strategy across risk-managed portfolios. Featured on Schwab Network, Reuters, and Yahoo Finance for market and strategy insights.
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TJ Klein
CFA®
Associate Portfolio Manager
Over a decade of banking and investing experience, including fund and equity research, portfolio construction, and risk management for a large private wealth advisory practice.
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Lisa Schreiber
Associate Portfolio Manager
Previously advised high-net-worth clients on investments and financial planning as a private client advisor in Austria. Holds a degree in financial management and is pursuing the CFA® designation.
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John Ingham
Investment Analyst
Supports research and portfolio analysis, with prior experience helping advisors build detailed client financial plans. Holds the Series 65 and is pursuing the CFA® designation.
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Sara Brickner
Investment Analyst
Formerly a senior alternative investment analyst at Allianz Investment Management, with expertise in alternative investments, portfolio construction, and investment due diligence.
Portfolio management services are provided by Gradient Investments, LLC, an SEC-registered investment adviser and a member of the Gradient Financial Group family of companies. Investment advisory services are offered through Gradient Advisors. Gradient Investments, Gradient Advisors, and Thrive Financial are separate entities. Team information is provided by Gradient Investments and is subject to change.
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 — two distinct service areas, each offered through its own entity, coordinated to give you a complete retirement strategy.
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INVESTMENT ADVISORY SERVICES
Offered through Gradient Advisors, a registered investment adviser
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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, a registered investment adviser. Investments involve risk and are not FDIC insured. Past performance is not indicative of future results.
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INSURANCE SERVICES
Offered through Thrive Financial, an independent insurance agency — separate from Gradient Advisors
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Independent Insurance Agency
As an independent insurance agency, 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 separately through Thrive Financial's independent insurance agency and are not offered through Gradient Advisors. Guarantees are backed by the claims-paying ability of the issuing insurance company.
Not Sure Where to Start?
Schedule a free, no-obligation consultation. We'll review your situation and explain exactly how we can help.
