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IA Financial Advisors

"Will My Money Last Through My Retirement?"


I ask this question to affluent clients like yourself within 10 years of retirement or already retired who want a trusted advisor to help them. If you have no good answer to it, that's where I come in.

IA Financial Advisors is dedicated to helping you identify and achieve your financial goals for a successful retirement. Using a broad range of financial approaches, including investments, estate planning, IRA rollovers and more, I develop client-specific programs and deliver advice that is always in your best interest and consistent with your individual needs.

 


Areas of Focus:



Needs Assessment

Based on your current financial situation and needs, I'll make recommendations for how to best achieve your financial goals.

Risk Tolerance

Do you want investments that could fail as easily as they succeed? Or something safer? I’m here to guide you either way.

Objectives

Let me help you discover where you want to be financially in your golden years and how you can reach those goals.


Your Retirement Planning is More Then Money to Me

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My devotion to my clients is personal as much as it is professional. I work closely with each client to develop long-term relationships and help all of them grow more than just financially during their retirement.

I have more than 40 years of service to my clients as a trusted financial planning advisor. A graduate of Villanova University, I hold a master’s degree from Rutgers University. I have received my Certified Financial Planner® (CFP®) designation from the College for Financial Planning in Denver, Colorado, and my Chartered Financial Consultant® (ChFC®) designation from the American College in Bryn Mawr, Pennsylvania.  

Beyond my work with clients, I have given numerous educational seminars on investments, retirement planning and estate planning to both individual and corporate audiences. I am affiliated with Questar Capital, which helps independent financial professional firms like IA Financial Advisors grow and serve clients better. 

My wife and I relocated to Worcester, Massachusetts to be nearer to our grandchildren, four girls, after living 30 years in New York and New Jersey. In our spare time, we like to travel as well as enjoy attending the girls’ dance competitions.



Six Easy Steps to Get Where You Want to Go

Achieving your financial goals for retirement doesn’t just happen, it requires preparation. I will work with you to:

  1. Identify and establish financial goals, objectives and risk tolerance.  
  2. Collect and assess all relevant financial data.  
  3. Process and analyze the information.
  4. Present and explain your personal financial program.
  5. Implement the strategy.
  6. Continually monitor and revise your plan as needed.  

Working with you through these six steps, collectively known as the comprehensive financial planning process, our main objective is to bridge the gap between your present financial status and your future financial goals. I will hold meetings with you annually or quarterly as needed as part of our monitoring and revision work.

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Services



Offering You Access, Always



Comprehensive Financial Planning

To make the best recommendation to help you achieve your goals for wealth, I will completely review all of your assets, liabilities and related financial data. Doing so allows me to act in your best interest.

Investment and Retirement Planning

More specific and narrowly focused than comprehensive financial planning, this service will help you determine how to manage and enhance your income to your best advantage in your senior years.

Insurance Planning

Do you have the right kinds of insurance ready to benefit your spouse or other family members should something happen to you? I will work with you to assess if you have enough coverage and where adjustments should occur.

Estate Planning

I can assist with creating a smooth transfer of your wealth and assets to your family members, including reviewing allocation of personal possessions and working with a lawyer if more elaborate legal planning is needed.


Tools to Help You Ease Into Retirement

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I offer a variety of products to be incorporated in your financial plan, based on your individual needs and objectives as determined during our review process.



Equities

Stocks may be a good fit for you if you want to take a financial stake in companies.

Fixed Income

There are ways for you to earn more money even on a fixed income, and they can produce regular streams of income as well.

Mutual Funds

A professionally managed investment portfolio can help you reach your savings goals if implemented properly.

ETFs

Exchange-traded funds (ETFs) can help you accumulate retirement savings through diversified portfolios and low management costs.

Annuities

Improve your retirement income for years by getting guaranteed returns, tax-deferred savings and flexible payout options.

Managed Accounts

These offer a mix of investments customized to meeting your needs and goals of saving enough money for retirement.

Life Insurance

Maintain the lifestyle you have become accustomed to with a life insurance policy that fits your needs and benefits your financial picture.

Community Activities



Join IA Financial Advisors at our "Rethink Retirement Course" at Worcester State University


Tuesday September 18th and September 25th at 6:30
Or
Thursday September 20th and September 27th at 6:30


Knowledge is key to making informed decisions. You want to make sure that you are equipped with the right tools to make informed decisions in the ever-changing world of retirement. This course is designed specifically for those who are either getting ready to retire, or have already transitioned into the early stages of retirement. We will review common pitfalls of retirees and learn more about building a sound retirement strategy.


FOR REGISTRATION CALL (844) 323-9028

OR GO ONLINE TO www.youRSVP.com and enter code ZUTNEJ




Belonging to the Best to Bring You the Best

I hold two recognized professional memberships. The Certified Financial Planner® (CFP®) designation covers fee-based financial planning, including investment planning, insurance planning, estate planning, tax planning, retirement planning, education planning and ethics and the financial planning process. The Chartered Financial Consultant® (ChFC®) credential designation has the same core curriculum as the CFP® designation plus additional elective courses that focus on various areas of personal financial planning. 

My commitment to the community I serve is strong as well. I am proud to be an active member of both the Wachusett Area Chamber of Commerce and the Worcester Chamber of Commerce.













Celebrating the Community in Worcester and Surrounding Areas

As a member of the Wachusett Area Chamber of Commerce Golf Outing Committee, I helped organize our 13th annual Scholarship Scramble Golf Tournament on May 15th to raise money for local high school students entering college. We awarded three $2,500 scholarships.




Also with the chamber, I sponsored the information booth for the annual Holden Days, a celebration throughout the town of Holden on August 25th that featured food, festivities and fun. Our Kids Corner booth featured a balloon twister as well as a magician. Below are pictures of my assistant Kate and me at our business booth which had four raffle baskets and information about the services we provide. 




I plan to participate in more upcoming area events. Check back here for updates.

Alliances


Teaming with Questar for Your Benefit

To offer my clients the best financial products available, I have partnered with Questar Capital, a national independent securities broker/dealer registered with FINRA and SIPC. It is a subsidiary of Allianz Life Insurance Company of North America, a leading provider of retirement solutions which has consistently received some of the industry's highest financial-strength ratings from Standard & Poors and A.M. Best. Both are part of Allianz SE, one of the world's leading financial services institutions.

By leveraging my relationship with Questar Capital, I can access many top financial solutions that are offered through a number of different financial institutions. This lets me widen the investment choices I can customize that will address your specific goals and needs.

Review My History with FINRA BrokerCheck®

FINRA BrokerCheck® is a free tool from FINRA, the regulator of all securities firms in the United States. It is an online database that can help you research the professional backgrounds of brokers and brokerage firms, as well as investment adviser firms and representatives, including their employment history, certifications, licenses and any violations. 

Please click the FINRA BrokerCheck® link in the lower right corner to check the background of IA Financial Advisors.

Client Center



Stay Informed About News Affecting Your Retirement

I send my clients newsletters regularly via email to update them on changes in tax codes and other factors that can affect retirement and investment. We also take the time to discuss any changes to be aware of during our scheduled annual or quarterly meetings.

I also post items of interest concerning market data and related issues. Check back here frequently for the latest articles that may be of interest to you.

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Get the Latest News on the Stock Market 

Click on the links below to get the most recent updates on trading activity that can impact your portfolio.

Wall Street Journal Market Reports
CNN Money
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U.S. Market News Reuters

Contact Us


I look forward to working together! 

Complete the form below to schedule a meeting with me at your convenience.