FRANK A. GARGANO, CLU, ChFC, TPCP

We’re not here to take over your finances, but we are here to solve problems. By offering you the guidance and education you need to get on track to meet your goals for the future, you can be sure that the big picture is addressed with micro decisions. We offer specialized knowledge in wealth management, preparing for retirement, extended care and protection, business advisory, and tax efficiency. Whatever your situation, we can get you from where you are to where you want to be.

As you envision your financial future, you may know where you want to be, but do you know how to get there? A better future is possible, but now without education, flexibility, comprehensive planning, and adjustments to meet your financial goals. We help utilize a wide variety of objective research to make sense out of the ever-changing economic landscape. This leads us to provide clear, accurate guidance so you can make smarter choices with your money—leading you to the financial future you envision.

Financial preparation isn’t complete without a plan to protect your income and quality of life. While you never want to plan on needing extended care, it is something that you will never regret implementing into your financial plan for the future.

With our knowledge and background in implementing insurance plans, as well as having solid relationships with elder law attorneys, we will work with you to find confidence in your future.

As you retire, you leave behind many things—rising before dawn, a commute, the stress of deadlines, and managing a team—but you still retain your tax bill. Did you know that income taxes can be your most significant expense in retirement?

Having the help of a professional who understands the tax implications of social security, 401(k), pensions, IRAs, among others is important as you structure the impact that retirement has on your investments and other retirement income.

^{For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.}

As a business owner, you are moving through the various developmental phases of the business cycle, and it is imperative to have a knowledgeable advisor at your side. We can help with a unique perspective borne out of the first-hand experience of building a business as we assist you in selecting appropriate strategies.

It can seem overwhelming to plan the details of retirement. You might wonder how much money you need to retire, if the amount you’ve designated will last throughout your entire retirement, and when you should start taking Social Security distributions. We can help answer all of these questions.

After getting to know you and your goals, we’ll build a custom financial plan that aims to help you retire when you want and how you want. Then, we’ll provide ongoing support as we work to improve, adjust, and adapt your financial plan as needed because we are a long-term partner for your future.