Our Process

Wealth Management Designed Around You
Your Needs Drive Our Relationship and Advice

Ferrigno Financial doesn't promise quick answers or easy solutions. Instead, we offer a prudent process with a long-term focus that allows you to meet life's most important goals.

Discovery:

In our first meeting, we work together to uncover your true financial needs, goals, and concerns.

Your Financial Framework:

With a better understanding of where you are and where you want to go, we will design a customized, actionable plan to help you achieve your goals.

Mutual Commitment:

Once you have had a chance to review your plan, we can answer all of your questions, respond to any concerns, and then decide together how to proceed.

Implementing Your Plan:

If you want, we can take care of the paperwork and get your plan moving forward. Call us at any time for information or if you have questions.

Review:

As life changes, so do your goals. To make sure your plan remains in line with your goals, we will meet regularly to review your progress and ensure your plan continues to fit your objectives.

Managing Your Wealth For Retirement
A Retirement Plan Starts With A Clear Vision

Financial independence may not be your only retirement goal, but it's probably the most important one. At Ferrigno Financial, we know what it takes to help get you there. We can help you explore all of your options and help you set the course for a financial independence by answering such questions as:

• What kind of lifestyle do you want to achieve?
• Are your goals realistic based on your current savings?
• What are your priorities and what are you willing to do to achieve them?

We can help you consider all of your retirement resources - from 401(k) plans and Individual Retirement Accounts (IRAs) to Social Security and your taxable investment savings - and design a comprehensive retirement plan that gets you where you want to go.

From Accumulation To Distribution
Cracking Open Your Nest Egg

Everything changes the day you retire. That's when you have to turn your savings into a sustainable retirement income stream. The best time to start that process is before you need the money, because how and where you save will have a direct impact on how you tap into those assets when you need them. We'll help you prioritize your savings among taxable and tax-deferred options.

We'll help you decide when and if to roll your 401(k) into an IRA. We'll design a plan for cracking open your nest egg based on your current and future needs.

Managing Your Cash Flow
Make Sure The Money Is There When You Need It

One of the biggest challenges in retirement is managing your cash flow. We will help you:

• Identify all of your predictable income sources, including your pension, SSI, or fixed annuities.
• Factor in outside revenue sources, including retirement savings or potential income.
• Add up your known liabilities, such as a mortgage or any other loans and expenses.
• Help determine your short- and long-term cash flow needs.
• Project spending patterns and align them with expected income and portfolio withdrawals.

Our Pledge To You: Trust, Respect, Integrity

You can trust Ferrigno Financial to always be there when you need us, answering your questions and working with you in pursuit of your goals. Since service is our business, you can count on us to:

• Treat you with respect, honesty, and integrity.
• Work as your financial coach, always putting your interests first.
• Educate you to ensure that you are comfortable with each of our recommendations.
• Strive to exceed your expectations at every level of the relationship.