A Foxborough man is being charged with fraud for allegedly offering retirees nonexistent investments through his Center for Senior Financial Planning in North Attleborough, then using the money for various personal expenses, the office of Massachusetts Secretary of State William F. Galvin said Tuesday.

According to an administrative complaint, John A. Picini took custody of at least $2 million from about 35 clients over a two-year period as part of an effort to “maintain his lifestyle.”

Picini’s attorney said his client denies the allegations.

“My client considers the complaint to be completely inaccurate,” said Kevin J. O’Connor, a partner at the law firm of Hinckley Allen & Snyder LLP. “He denies each and every count, and he intends to fight this action vigorously.”

Galvin’s complaint alleges that in one case, a 90-year-old widow who is legally blind invested $155,872 with Picini over two years, but Galvin’s investigation found no account established for her.

The complaint seeks to permanently bar Picini from securities registration in Massachusetts; it would also order him to account for all proceeds received as a result of the alleged wrongdoing and to fairly compensate investors.