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Services

How We Can Help You

At Ferrigno Financial, we offer a range of services designed to help individuals navigate their financial journeys with confidence and peace of mind. While we are happy to advise anyone who feels they may benefit from our services, we specialize in assisting individuals who are nearing retirement or going through significant life transitions. Our services were born out of a genuine desire to meet the needs of our local community, recognizing the importance of personalized financial advice. We firmly believe that the greatest value we can offer our clients is peace of mind. Retirement should be a time of enjoyment and fulfillment, not stress and uncertainty. Let us help you navigate the path towards a secure and worry-free financial future.

Advisory

Making sound financial decisions requires a deep understanding of the ever-changing economic landscape, investment opportunities, and risk management strategies. We have the knowledge and expertise to provide you with comprehensive advisory services that are tailored to your unique financial goals and circumstances. We work hard to offer you an objective perspective, extensive research, and analysis of market trends. We offer personalized advice and recommendations, taking into account your risk tolerance, time horizon, and financial aspirations.

IRAs

Individual Retirement Accounts (IRAs) play a crucial role in building a solid foundation for your retirement savings. With numerous IRA options available, such as Traditional IRAs, Roth IRAs, and SEP IRAs, it can be overwhelming to navigate the complexities and make informed decisions on your own. We have the expertise and knowledge to help you choose the right type of IRA that aligns with your unique financial goals and circumstances. Our professionals can provide personalized advice on contribution limits, tax advantages, investment options, and distribution strategies.

Mutual Funds

Mutual funds offer a diverse range of investment opportunities, allowing you to access a professionally managed portfolio of stocks, bonds, or other securities. When you work with us, we can carefully analyze and select mutual funds that align with your investment objectives, risk tolerance, and time horizon. We conduct thorough research on fund managers, performance history, and expense ratios to ensure that you invest in funds that have a strong track record and align with your financial goals. Moreover, we routinely review your mutual fund investments, making adjustments as needed to keep your portfolio in line with your objectives.

Fixed Annuities

Fixed annuities can provide a steady stream of income during your retirement. Our team can help you understand the intricacies of fixed annuities, including the terms, interest rates, surrender charges, and payout options. We can assist you in selecting the right annuity product that aligns with your retirement goals and risk tolerance. Our role is to guide you through the process, ensuring that you make informed decisions and fully understand the benefits and potential drawbacks of fixed annuities.

Variable Annuities

Variable annuities offer a unique opportunity to potentially grow your retirement savings through investment in a diverse range of underlying funds and indexes. Our firm wants to ensure that you understand the associated risks and potential rewards, and we strive to guide you through making informed decisions. We can also assist you in selecting the right variable annuity that aligns with your investment goals, risk tolerance, and retirement timeline. We strive to provide you with personalized advice, conduct thorough research on underlying funds, and continuously monitor and review your variable annuity investments.

Financial Planning

Financial planning is a comprehensive process that involves setting clear goals, creating a roadmap, and making informed decisions to achieve those goals. With our expertise and knowledge, we can help you develop a personalized financial plan that encompasses all aspects of your financial life, including budgeting, saving, investing, retirement planning, tax strategies, and more. We analyze your current financial situation, assess your goals and aspirations, and create a tailored plan that aligns with your unique circumstances. By working with us, you can benefit from our objective perspective, access to a wide range of financial tools and resources, and ongoing support and guidance.

Income Planning 

Income planning is a critical aspect of your overall financial strategy, especially as you approach retirement or seek to generate consistent income streams. We understand that ensuring a reliable and sustainable income requires careful analysis, knowledge of various income sources, and expertise in tax-efficient strategies. Our team can help you navigate the complexities of income planning, including optimizing Social Security benefits, managing retirement account distributions, exploring annuity options, and creating a diversified income portfolio. We can also assist you in maximizing your income potential, minimizing tax implications, and providing ongoing support to adapt your plan as your circumstances change.

Retirement & Tax Planning

Navigating the complexities of retirement planning and tax strategies requires expertise and knowledge that we bring to the table. We understand that planning for retirement involves more than just saving money; it requires careful consideration of various factors such as income sources, expenses, investment strategies, and potential tax implications. Our team can help you create a comprehensive retirement plan that maximizes your savings, minimizes your tax burden, and ensures a comfortable and secure future.