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Leadership
Michael A. Ciardi
Carefree Retirement Funding, led by founder Michael A. Ciardi, combines 40+ years of expertise to help seniors secure a stable financial future. Specializing in mortgage and retirement planning, Carefree Funding offers clients tailored solutions, including Home Equity Conversion Mortgages (HECMs), to tap into home equity for a worry-free retirement. The company prioritizes personal, face-to-face service to meet each client's unique needs, ensuring they have the resources to maintain their lifestyle, access liquid funds, and preserve assets for heirs.
Michael Ciardi’s career has been dedicated to guiding seniors through complex financial decisions with integrity and expertise. As an experienced mortgage originator and former commercial bank VP, he has a deep understanding of the financial challenges facing Baby Boomers and seniors. Through Carefree Funding, Michael champions the HECM for Purchase program, allowing clients to buy a new home with just 40% down and no monthly mortgage payments. His dedication to delivering reliable, innovative solutions has earned him a reputation as a trusted resource for financial professionals and clients alike.
Carefree Retirement Funding, led by founder Michael A. Ciardi, combines 40+ years of expertise to help seniors secure a stable financial future. Specializing in mortgage and retirement planning, Carefree Funding offers clients tailored solutions, including Home Equity Conversion Mortgages (HECMs), to tap into home equity for a worry-free retirement. The company prioritizes personal, face-to-face service to meet each client's unique needs, ensuring they have the resources to maintain their lifestyle, access liquid funds, and preserve assets for heirs.
Michael Ciardi’s career has been dedicated to guiding seniors through complex financial decisions with integrity and expertise. As an experienced mortgage originator and former commercial bank VP, he has a deep understanding of the financial challenges facing Baby Boomers and seniors. Through Carefree Funding, Michael champions the HECM for Purchase program, allowing clients to buy a new home with just 40% down and no monthly mortgage payments. His dedication to delivering reliable, innovative solutions has earned him a reputation as a trusted resource for financial professionals and clients alike.
Meet Our Team
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David Bivens
Strategy & Marketing Director
Frank Lillo
Frank Lillo is a seasoned real estate and financial professional with over 30 years of consultative experience. Since entering the industry as a loan officer in 2001, he has built a reputation for professionalism, attention to detail, and client-centered service. Frank assists clients with residential, investment, and commercial transactions, focusing on personalized guidance to meet their financial and real estate goals.
