Daniel Cavalier

I am a retirement income specialist and managing member of Rigel Blue Star Financial & Insurance Services, LLC, and my mission is simple: help you protect what you’ve worked for and create income you can never outlive. I focus on helping people reduce unnecessary risk, fees, and taxes so their retirement plan feels clear, intentional, and built around the life they actually want to live. 

I began my career in the late 1980s with New York Life Insurance Company, then spent many years in an engineering career before returning to financial services in 2020. That engineering background shapes how I work today—I like to analyze, stress test, and solve problems, whether that means fixing gaps in a retirement plan, restructuring how income is generated, or coordinating college funding with long term retirement goals. 

I am also an IRMAA Case Consultant and Certified in Social Security Claiming Strategies. I have access to many well known, highly rated carriers, which lets me design strategies around your situation instead of forcing a one size fits all products. For highly compensated, high net worth individuals, I also use specialized strategies such as tax advantaged retirement accounts, fixed index annuities, and hybrid or premium financing programs when they make sense. Whether we are working on your 401(k), 403(b), 457, TSP, IRAs, pensions, or college funding, my goal is always the same: help you feel confident that your retirement income is durable, understandable, and aligned with your goals. 

I grew up in a coastal maritime community, where planning ahead and respecting risk were just part of everyday life. Today, I’m a husband, father, and stepfather, an EV driver, and an enthusiast of watches, Titanic history, and space—plus a big fan of Korean food, thanks to my wife being from Seoul. Those personal passions remind me that money is ultimately about experiences, family, and freedom, not just numbers on a page.

Most of all, I genuinely enjoy helping people work through their real world situations—market worries, tax concerns, “do I have enough?” questions—and turning those worries into a practical path forward. I’m here to listen, to ask the right questions, and to help design a retirement income strategy that fits who you are and what you want your future to look like. I look forward to the opportunity to work with you, and to work for you, as we build a plan that gives you confidence about the road ahead.