Our comprehensive financial strategies include retirement and income planning, tax and estate planning, risk management, insurance gap analysis and education planning. By addressing all of these areas we will create your custom financial strategy designed to help you address your financial and personal goals.
Retirement Income Planning
Our retirement income planning is designed to help produce the retirement income you’ve worked so hard for. As your advisors, we tailor your income plan with your goals, objectives, and financial situation in mind. Over time, your plan may need adjusting due to market fluctuations, inflation or other events. As time goes on, we’ll make these appropriate adjustments together.
Concentrated Stock Position Diversification
You’ve worked hard accumulating assets and savings. The problem is you own too much of a particular stock. In many cases, it’s your company stock. This is fairly common and there are several factors that may have contributed to this:
- You’ve been given Restricted Stock Units (RSUs)
- You’ve been awarded Stock Options (Performance Shares)
- You’ve been buying the company stock in your 401(k) Plan
- You’ve been buying your company stock via Employee Stock Purchase Plans (EPP)
You realize that a lot of your eggs are in one basket and this may not be an optimal situation. We have strategies to help diversify your concentrated stock positions over time, in a tax efficient manner.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
There is no one-size-fits-all approach to wealth management. At Guarino Wealth Management, we take time getting to know you. We help determine your goals, risk tolerance, and time horizon. We then put it all together and offer you our honest advice, recommendations and investment portfolios to help address your specific concerns. We seek to provide you with security, stability, confidence and financial wellness.
Selling Your Business
Our goal is to help you extract after-tax value from the sale of your company and help you plan for the future.
Many individuals want to leave a legacy to their families, loved ones, or charities. We can design an estate plan to help ensure that your wishes are carried out and the legacy that you’ve worked so hard to create carries on to future generations.
*Guarino Wealth Management and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation.
A major concern among families is determining how they will pay for their children’s college expenses while also saving for retirement. We help you find the balance between saving for retirement and saving for your children’s education.
Because We Care
Consider us your 411 and 911 phone calls for anything financial. When you’re faced with a serious financial decision, need advice, information, or you’re just curious about the markets, we are only a phone call away. We serve as your go-to resource for all of your financial needs.