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  • As an independent financial planning firm, the Angelo Planning Group, LLC builds strong relationships with our clients by offering objective, unbiased advice they can trust. Our specialty areas include investment management, estate planning, 401(k), 403(b), and 457 advisory services, saving for retirement, college savings, disability insurance, life insurance, stocks, exchange traded funds, and mutual funds.

     

    Ralph Angelo has always believed that a successful financial plan is the result of a trusting relationship between a client and an advisor. From the beginning, Ralph’s vision was of a relationship-based, full service financial planning practice. He spent several years as a sole practitioner with a focus on helping his clients through Estate Planning and Retirement Planning. As his practice grew, so did the complexities of the cases he was working on. It became clear very quickly that the best way to truly service his clients was to expand his knowledge to include the many layers necessary for comprehensive planning and wealth management. The overwhelming range of knowledge necessary concerned Ralph that he would become a generalist instead of a specialist.

    Ralph’s vision as he developed APG was to put together a team of experts in all areas of financial planning. Many advisors must be “Jack of all trades, but master of none.” He wanted to have our clients receive high level advice in any area of concern. Over the years, he has assembled a team of experts in Estate Planning, Investment Management, Insurance Planning, and Qualified Plan Advisory.

    In 2010, APG changed broker-dealers and teamed up with American Portfolios Financial Services. As an independent firm, the team has access to any investment product available and makes decisions on the best possible solution to a client’s case without any pressure to use proprietary products. APFS provides the Angelo Planning Group with access to an elite network of other firms across the country. This network allows APG to confer with other professionals on the best way to approach a client’s case or special needs. In addition, APFS provides increased technology options to the clients of APG. For example, clients can now see all their assets in one place, regardless of whether they are held at APG or not.

    RETIREMENT PLANNING

     Planning for retirement can be one of the most overwhelming and stressful exercises one can experience. There are often questions about whether it is the right time to retire or how much money you need to save to be able to have a comfortable retirement. We will sit down with you and gather information about your current situation and goals and use our knowledge and tools to help you on your path.

    401(K) ADVISORY

    As businesses move away from offering guaranteed pensions, the 401(k) has taken on a critical role in the retirement landscape. For many people, their 401(k) is the most significant asset they have. While most companies can provide fund information within the plan, they do not provide specific investment advice. As a result, the majority of people spend little or no time actively managing this very important piece of their retirement puzzle.

    We are one of only a few Registered Investment Advisors in the Rochester area that provide 401(k) Advisory Services while you are an active participant, regardless of where your plan is held. By implementing an active management strategy, we strive to capture the market upside while minimizing your losses during turbulent market periods.

    403(B) ADVISORY

    The 403(b) is the main source of retirement savings for employees of hospitals, school districts, universities, and non-profit organizations. For most employees, their 403(b) is the largest asset they have. Most plans can provide fund information but not specific investment advice. As a result, the majority of people spend little or no time actively managing this very important piece of their retirement puzzle.

    We are one of only a few Registered Investment Advisors in the Rochester area that provide 403(b) Advisory Services while you are an active participant, regardless of where your plan is held. By implementing an active management strategy, we strive to capture the market upside while minimizing your losses during turbulent market periods.

    457 ADVISORY

    The 457 Deferred Compensation plan is the retirement savings program for employees of state and local government organizations. For most employees, their 457 plan is the largest asset they have. Most plans can provide fund information but not specific investment advice. As a result, the majority of people spend little or no time actively managing this very important piece of their retirement puzzle.

    We are one of only a few Registered Investment Advisors in the Rochester area that provide 457 Deferred Compensation Advisory Services while you are an active participant, regardless of where your plan is held. By implementing an active management strategy, we strive to capture the market upside while minimizing your losses during turbulent market periods.

     

    INVESTMENT MANAGEMENT

    Our goal at Angelo Planning Group, LLC is to implement the best strategies available to grow and protect your investments. Information moves at a faster pace today than it ever has. We realize that this impacts the stock market and other financial instruments as well.

    Most investors tend to use a “Buy and Hold” strategy which exposes your portfolio to the highs and lows of the market. This approach enables emotions to have a significant influence on your decisions. We believe your long-term investment success hinges on mitigating your losses. Our investment team supports an active management philosophy, utilizing key market analytics to guide our investment decisions.

     

    ESTATE PLANNING

    Although they may differ in size, everyone has an estate. Your estate is your home, your savings, your car or anything else with value. Estate planning is more than just having a will that defines who gets what, it focuses on controlling how that estate is transferred. No matter what size your estate may be, proper planning allows you to control how your assets will be distributed after you die, and it ensures that your assets will go to the people you want, in the way you want, and when you want.

    When it comes to financial planning, most people focus on accumulating and protecting their assets, but very few think about how those assets will get to the people they most want to receive them. We all hope to leave a legacy, but the truth is that a successful investing life can result in many unwanted burdens for your heirs. With an average estate tax rate over 50%, how sure are you that your heirs will get what you spent your entire life building? Will your children be able to pay the taxes associated with your legacy. Will the charity of your choice receive all that you left them, or will a large portion of it go to paying estate taxes?

    By taking a few important steps, you can feel peace of mind knowing that your assets will be directed to the loved ones or charity of your choice, without creating unnecessary financial stress in an already difficult time.

     

     

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