About Me
I am a financial planning professional that utilizes an unusual approach created to earn your trust allowing us to engage a three-prong process. First, we meet and review all your assets, goals and life objectives, which will allow me to collect all your pertinent information. Second, I analyze those factors establishing a review list of to do items. During our second meeting both parties discuss those action items in a stress-free environment allowing the prospect to understand the financial planning process and how that will enhance their future. At that point, the decision is made by both parties to continue or not.
Education is vital for understanding the financial planning process. I provide my clients with financial and estate planning advice, investment management, account review, emergency financial advisement, comprehensive tax planning and retirement planning. Spending one’s money in retirement is a completely different discipline knowing how and when to create cash to not outlive your assets, vs investing during your working life. As a Certified Income Specialist I specialize in creating retirement income sources. Not outliving your assets is critical in retirement, is my personal goal to assist my clients achievement of that objective so personal choices are always available.
My approach encompasses tax, estate, long term care, investments, legacy, college, and insurance planning as each client has different individual needs on a year over year basis. A financial plan is established to create that base line to focus on, while we work together through the years. It is important to understand why decisions were made at different points in your life addressing your personal life goals and objectives in a holistic perspective. My three-bucket approach will make you understand how all the components interface within your individualized plan.
Many financial professionals use the S&P 500 as their benchmark; however, I use your life challenges when they arise during our working relationship as my benchmark. I do not engage in market timing, or risky trading as it is counterproductive. Realistic consistent growth will get you to your objectives with diminished stress. Trust is the basis of our relationship; my client’s best interest is of upmost importance.
I have worked in the financial industry for over twenty-three years now and have seen all sorts of markets good or bad. It is my passion to support my clients as life challenges arise through the years. My Broker Dealer is “Money Concepts” located in Palm Beach Gardens, Florida within which I belong to the Joe Massaro Producer Group. I am licensed with a Series 7, 63, 31 and SIE-Securities Industry Essential Exam. In addition to those licenses I also hold the Florida Life Including Variable Annuity and Health Insurance license along with the New York State Accident & Health, Life, Variable Life/Variable Annuity Insurance License. I was awarded the Congressional Order of Merit in 2007 and Cambridge Who’s Who VIP of the Year in 2008. I received my BA from Union College in Schenectady, New York. As a member of the Institute of Business and Finance I earned my “CIS” Certified Income Specialist designation from that institution.
Holistic Wealth Management
The Difference
We Are:
- Consultants Not Dictators - We take a consultative approach looking at your entire financial picture. Then, we develop a plan to help you get to where you want to go.
- Committed - We are committed to providing you with the finest in wealth management and financial planning services. We are free to work with you in a way that helps to meet your needs and desires.
- Understanding- We understand that wealth management is a process, not a product. As such, you receive ongoing money-mentoring and coaching. We are there when you need us.
- Educated - We attend a minimum of thirty hours of classroom education each year, over twice the industry average. We do this for one reason only… to better serve you with the latest in products, services, and tax strategies.
We Provide:
- Independent Products - We do not offer any proprietary products, we can choose from literally thousands of products in the financial services industry. The only caveat is that the products or services meet your needs and desires.
- Technology - View your account statements, account values, holdings, and transaction histories online. Use the online Client Vault to store all of your important documents, i.e. wills, trusts, tax returns, and account statements all in one place.