Gary Caluducan - Western & Southern Life

Gary Caluducan - Western & Southern Life Proud Husband and Father. Superhero. Making sure every client touchpoint reflects the level of care that they absolutely deserve. (“W&SFG”).

I help clients navigate their financial future with clarity and confidence -- not just through investment strategy, but through an experience designed around what actually matters to them. Over the past few years, our team has focused heavily on two things: reimagining the client experience and growing a team built to deliver that experience consistently. Outside the office, I am usually outnumber

ed by wife Amanda, my two daughters Quinn & Kyla, and our puppy Oliver, who has very strong opinions about working from home! My specialties include: Navigating Retirement Strategies | Inheritance Strategies | Generational Wealth Planning

Securities and advisory services offered through W&S Brokerage Services, Inc., Member FINRA/SIPC, a Registered Investment Adviser. W&S Brokerage Services is a member of the Western & Southern Financial Group, Inc. The views posted on this site are my own and do not represent the positions, strategies or opinions of W&SFG or its member companies. The information contained on this site is for informational purposes only and should not be considered as investment advice or as a recommendation of any particular strategy or investment product. This profile should not be considered as a solicitation to buy or sell securities. Third party posts found on this profile do not reflect the views of W&S Brokerage Services, Inc. and have not been reviewed or verified by W&S Brokerage Services, Inc. as to the accuracy or completeness of the content. This page/profile may contain links to a variety of sites maintained by third parties. We do not endorse, warrant or approve of the content, correctness or accuracy of those third party sites, or of the products, services or information offered by any third parties.

September is Life Insurance Awareness Month, a time to reflect on the people who depend on us every day.For many familie...
09/02/2026

September is Life Insurance Awareness Month, a time to reflect on the people who depend on us every day.

For many families, life insurance is more than a policy. The death benefit is a way to help protect a spouse, help support children's futures, and help provide financial stability when it is needed most.

Whether you're raising young children, paying a mortgage, or planning for the future, having the right coverage can help give you confidence that your loved ones will be cared for.

This month, take a moment to review your family's protection strategy and make sure it still aligns with your goals.

At Western & Southern Life, we're here to help you make informed decisions every step of the way.

https://www.westernsouthern.com/wslife/learn/financial-education/do-i-need-life-insurance?utm_source=facebook&utm_medium=Hearsay&utm_content=3305288&utm_campaign=279735

August 29 is The Marine Corps Reserve’s Birthday. It recognizes the contributions of reserve Marines in augmenting and r...
08/29/2026

August 29 is The Marine Corps Reserve’s Birthday. It recognizes the contributions of reserve Marines in augmenting and reinforcing active-duty forces. It honors their readiness to serve in times of conflict and emergency.

Most families never have the conversation.They plan vacations, weddings, holidays — but when it comes to what happens ne...
08/26/2026

Most families never have the conversation.
They plan vacations, weddings, holidays — but when it comes to what happens next, they push it off. Nobody wants to talk about it. So nobody does. Then something happens, and the people left behind are scrambling.
Here's the one sentence that starts it all:
"What keeps me up at night is not what we have covered. It's what we haven't."
That's it. One sentence. It changes rooms.
I know because it changed mine. My family started this work in 2009 — pieces here, pieces there, but not the full picture. It wasn't until we finally sat down as a family — my mom, my brother, and me— and built a real plan.
Same room. Same page.
Same understanding of the what, the why, and the how.
Here's what I see in my practice:
Clients who have had the conversation carry a kind of quiet clarity. They know their family will be taken care of. They spend their money, live their lives, and move forward with confidence in their decisions.
Clients who haven't had it are eventually burned by this burden. Every choice comes with a shadow of uncertainty. Every year that passes makes it harder to bring up.
The best time to have this conversation was yesterday. The next best time is today.
It all starts with a conversation — and you're only a handful of tough conversations away from ultimate clarity.
👀 Friday, Piunno jr. is pulling back the curtain on what our team is quietly building this fall. You'll want to see it.
Proud to be part of the Cleveland North team at Western & Southern Life.
Follow the Cleveland North crew:
Gary Caluducan
Michael Cheslock, FSCP, RICP
Patrick Dulzer
James Schleicher
Dominic Piunno Jr.
Leo Cronin
Garrett Sparks
Cody Bevis
&SouthernLife

My mom worked the graveyard shift at the Cleveland Clinic. Single mom, single income, raising my older brother and me on...
08/10/2026

My mom worked the graveyard shift at the Cleveland Clinic. Single mom, single income, raising my older brother and me on double shifts she picked up to try and buy back the time she was missing at home.
That's where I got my work ethic. It's also where I got my complicated relationship with money.
Growing up, money wasn't a tool in our house. It was a vice grip. It kept us from living the way we wanted to. Every plan got pushed to "later." Everything got traded for another shift because Mom was our sole provider. My Mother sacrificed everything to give us the best life she could.
When my mom wanted to retire, she called her advisor on the 800 number. Long story short. The next thing we knew my mom had to go back to work for 6 ½ more years.
That's when I knew what I was going to do with my life.
I’ll always be grateful for the sacrifices my mother made for our family. Because of her hard work and perseverance, my daughters Quinn and Kyla are afforded opportunities our family did not always have.
I don't think you should trust me on day one. I have the credentials and the recognition, but none of that earns trust, time does. What I can promise is that I'm going to sit down with you the way I wish someone had sat with us. I'm going to introduce you to good people and I'm going to make sure what happened to my mom doesn't happen to your family.
That's why I do this. That's why we gather.
👀 This Wednesday, my teammate Piunno jr. is walking through the 3 money conversations that belong at the family table. Don't miss it.
Proud to be part of the Cleveland North team at Western & Southern Life.
Follow the Cleveland North crew:
Gary Caluducan
Michael Cheslock, FSCP, RICP
Patrick Dulzer
James Schleicher
Dominic Piunno Jr.
Leo Cronin
Garrett Sparks
Cody Bevis
&SouthernLife

Happy birthday to the Army Reserve and the Soldiers who bring skill, experience, and readiness to the force. Thank you f...
04/23/2026

Happy birthday to the Army Reserve and the Soldiers who bring skill, experience, and readiness to the force. Thank you for supporting missions that strengthen communities and protect our nation.

March 29 is National Vietnam War Veterans Day. It recognizes Vietnam veterans and their families for their service and s...
03/29/2026

March 29 is National Vietnam War Veterans Day. It recognizes Vietnam veterans and their families for their service and sacrifices during the Vietnam War. It serves as an opportunity to honor and remember their contributions to American history.

March 13, K9 Veterans Day, honors military working dogs and their handlers for their critical roles in security and miss...
03/13/2026

March 13, K9 Veterans Day, honors military working dogs and their handlers for their critical roles in security and mission success. It highlights their loyalty, bravery, and invaluable contributions.

Happy Birthday to the Navy Reserve sailors who bring experience and readiness to missions around the world. Thank you fo...
03/03/2026

Happy Birthday to the Navy Reserve sailors who bring experience and readiness to missions around the world. Thank you for your service and for strengthening the Navy’s ability to respond when it matters most.

02/19/2026

Today we recognize the U.S. Coast Guard Reserve Birthday and the reservists who stand ready to serve.

Thank you for supporting maritime security and response missions that protect communities and strengthen national defense.

12/20/2025

December 20 is the anniversary of The Space Force. On this day we celebrate the founding of the U.S. Space Force in 2019. It honors the Guardians who protect U.S. interests in space and ensure technological superiority.

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4230 State Route 306 Suite 300
Willoughby, OH
44094

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Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 6pm

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