Broker Check

Services for You and Your Family

Complete Financial Planning Suite

Enjoy truly comprehensive financial planning services, led by Gariano Wealth Management as your “general manager” to ensure your financial plan is complete and in good hands. Our comprehensive financial planning services help position you to pursue all your financial goals through a carefully coordinated strategy.

1.  INVESTMENT MANAGEMENT

  • Ongoing Portfolio Management and Asset Allocation Review

  • Risk Tolerance Review

  • Utilization of Institutional Money Management

2.  CASH FLOW AND NET WORTH 

  • Income vs Expense Analysis

3.  RISK MANAGEMENT AND INSURANCE PLANNING

  • Insurance Efficacy Review

  • Term, Permanent, Variable Life


4.  BANKING AND CREDIT MANAGEMENT

  • Savings Account Review

5.  RETIREMENT PLANNING

  • Retirement Income Strategies

  • Social Security Planning

  • Fixed and Variable Annuities

6.  PLANNING FOR INCAPACITY

  • Long Term Care Insurance

7.  EDUCATION PLANNING

  • Education Goals

  • 529 Plans

8.  CHARITABLE GIVING

  • Charitable Giving Review

9.  TITLING AND BENFICIARY DESIGNATIONS

  • Beneficiary Designations

10.  EXECUTOR AND TRUSTEE SELECTION

11.  DISTRIBUTION OF ESTATE

  • Estate Plan Review and Coordination With Other Professionals

12.  TAX PLANNING

  • Tax Gain/Loss Summary

  • Liaison to Your CPA to Review Tax Issues

  • Partner With Your CPA and Attorney on Tax Developments

  • Tax and Cost Basis Reporting

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Financial Specialists LLC nor any of its representatives may give legal or tax advice.

Who We Serve

Gariano Wealth Management is family focused, working with individuals and families from all stages of life. 

Who We Serve

Our Team

Our multi-generational firm brings a unique perspective to our role as your long-term, trusted financial partner.

Meet the Team

Contact Us

Take the next step toward financial security by exploring a partnership with Gariano Wealth Management.

Let's Talk