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Wealth Management

Holistic financial planning will transform your personal goals into an actionable strategy. From estate planning to stock option management, your financial success hinges on identifying and accessing investment management and financial planning that is specifically structured to address your unique needs.

Individual Wealth Management

Personalized Wealth Management for Successful Families

After more than 40 years of helping clients pursue their financial objectives, we like to think we have experience with just about every possible planning scenario. But with an ever-changing political and economic environment, it’s our responsibility to consider each client’s circumstances with a fresh approach couched in time-tested financial planning principles.

We assist successful families with a variety of financial planning services, including:

  • Retirement capital sufficiency
  • Education funding
  • Charitable and family gifting strategies
  • Income tax reduction strategies
  • Business succession planning
  • Cash flow scrutiny, including debt analysis and spending strategies
  • Life insurance
  • Estate planning
  • Stock option management
  • Long-term care cost analysis
  • Coordination of planning with attorney and accountant

Questions about Wealth Management?

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At Fragasso, we understand that the need for unbiased and solid financial advice is more important than ever. As an independent Registered Investment Advisor, we are beholden only to our clients. Understanding your personal and financial goals allows us to help you navigate the challenges and obstacles that may surface on the way to those goals. The foundation of our firm’s success is our unique structure. Working together, a team of experienced professional advisors provide you comprehensive, personalized financial services that aren’t often available in the traditional brokerage firm setting.

Your personal wealth management team consists of:

  • Financial advisor
  • Portfolio manager
  • Client account specialist

Your financial advisor answers all of your financial planning questions, and is your main contact. Your portfolio manager handles trades, processes orders and distributes funds for your accounts. The portfolio manager is also a part of our centralized portfolio management team that handles all in-house research and trading. Your client account specialist is your contact for check requests, forms and statement copies. Each personal wealth management team combines its knowledge, time-tested methodology, and experience to help our clients achieve their goals. We also work with your other professional service providers like attorneys and accountants to make sure you are receiving the most comprehensive financial picture.

The Benefits of Working with Fragasso

1 Unique Structure

Each client has a team consisting of a financial advisor, portfolio manager and administrative specialist, who are all focused on keeping your goals on track with continued analysis, controls and on-going review of your portfolio, managed centrally by our in-house, credentialed Portfolio Management Department.

This simple structure helps ensure your investment priorities are in alignment with the implementation of your asset allocation. You benefit from uniformity of advice and while your financial advisor is your primary point of contact, there is a team of professionals who collaborate to help ensure seamless management of your assets.

2 Independence

We are a registered investment advisor, which means we adhere to a fiduciary standard of care that requires us to serve our clients’ best interests at all times. We do not have proprietary funds or products and we will only choose the investment vehicle or service that fits your needs.(Registration does not imply a certain level of skill or training, nor any regulatory endorsement or approval of our investment advisory services.)

3 Our Success Is Aligned with Our Clients’ Success

Fragasso Financial Advisors is financially vested in optimum client performance. In other words, as a fee-based investment manager, we have an inherent interest in seeing our clients’ assets grow as our relationship evolves.

All employees, including the financial advisors, are paid a salary and share in profits of the firm.

4 Stability

99% client retention1. We are proud of the fact that after more than 40 years in the industry, so many clients have chosen to stay with us throughout a variety of economic environments and through the evolution of our firm. Our client retention could not be possible without our exceptional client experience.

1Based on accounts January 2009-December 2014.

Can You Afford to Retire?

Our retirement expense analysis can offer you insights on the cost of retirement, including living expenses and the growth of those expenses, expenses versus income in retirement and how much of a nest egg you will need to reach your retirement goals.

Are you ready to retire?

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Financial Advisors Who Understand You

All of our expert financial advisors are credentialed. The Accredited Investment Fiduciary® (AIF®) designation means each of our certified advisors is bound by a duty to act with honesty and integrity, and avoid conflicts of interest. They are to be stewards of ethical behavior always. The CERTIFIED FINANCIAL PLANNER™ (CFP®) designation represents a high level of competency, ethics and professionalism in the industry. And because they are held to a fiduciary standard of care, a CFP® professional is required to act in your best interest. Our clients are our partners. And we only realize success when our clients do.

Meet the Portfolio Management Team Behind Your Plan

Our clients’ portfolios are managed in accordance with a clear and transparent Investment Policy Statement and Guidelines. Very differently from many other investment firms, our portfolios, while structured to meet individually crafted goals, are managed centrally and uniformly by our multi-person, credentialed Portfolio Management Department. The portfolio management team collaborates with the Fragasso Investment Committee to ensure our clients receive the best collective advice for their portfolios.

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