With more than three decades of experience in the financial services industry, David helps clients at every stage in life pursue their financial dreams. A lifelong resident of Southeastern Massachusetts, David earned a CERTIFIED FINANCIAL PLANNER® certification, an MBA in finance from Bryant University, and a BA in economics from Framingham State College. A veteran of an 18-month deployment during Operation Enduring Freedom, he served more than 23 years in the military, including 8 years in the Massachusetts National Guard and 15 years in the U.S. Army Reserve, from which he retired in 2008 with the rank of major.
David’s professional experience has followed an upward trajectory throughout the past 25 years. He started his career at Tucker Anthony & RL Day as a commission accountant before moving to MFS Investment Management in 1992. There, he honed his skills in research and analysis as he rose through the ranks from options accountant to quantitative analyst during a period that spanned 11 years. At New York Life Insurance Company, which he joined in 2008, David worked with individuals and small businesses on risk and asset management before transitioning to MCB Financial Services in 2012.
In 2020, David founded Santoro Financial Planning Group, where he continues to pride himself on applying a disciplined, holistic, consistent, and long-term approach to each person’s financial needs.
David’s commitment to community service has been a lifelong passion. An Eagle Scout, Scout Leader, member of the Narragansett Council BSA board, 2011, 2014, 2018, and 2019 Ambassador of the Year* for the Tri-Town Chamber of Commerce, he provides pro bono financial guidance to members of the U.S. military through the Massachusetts Financial Planners Association. David was also selected as the 2016 FPA MA Volunteer of the Year**.
An avid runner and former track and cross-country coach, he enjoys spending time with his wife, adult children, family, friends and his two Lab rescues. He has completed 75 marathons, including 36 consecutive Boston Marathons. David has raised approximately $100,000 for cancer research at the Dana-Farber Cancer Institute as a qualified participant in the Boston Marathon from 1991 to 2007. Since 2012, David has been a qualified participant in running the Boston Marathon to raise funds for the Joe Andruzzi Foundation and has raised more than $45,000 to date.
*2019 Ambassador of the Year, presented by Tri-Town Area Chamber of Commerce. This award recognizes the individual who exemplifies extraordinary commitment, enthusiasm, and leadership for the Ambassador Program. It is not specific to financial services and does not imply an endorsement, recommendation, or reflect the performance of the advisor. Click here for more information.
**2016 FPA MA Volunteer of the Year, presented by Financial Professional Association of New England. This award is based on volunteer contributions and not specific to financial services and does not imply an endorsement, recommendation, or otherwise reflect the performance of the advisor. Click here for more information.