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This is part of my 8-minute presentation made to members of the Atlantic Referral Exchange BNI Chapter of Lynn, Massachusetts. It describes who I am, who I work, how to identify referral opportunities and the services I offer including an innovative ’Advisor-On-Call’ annual program as well as investment management for individuals. My Commitment: Expert advice without product sales pressure from a board-certified, five-star-rated professional.
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Team Stanganelli
Team Stang + 1
What Do I Do?
Help People Make Smart Money Moves … Provide Directions for $$$
Who Do I Work With?
Medical Professionals: Doctors, Dentists, Nurses, Chiropractors
Business Owners, Managers, Directors in Hi Tech, Software, Manufacturing, Service
Who Do I Work With?
Grandparents and Retirees
Growing Families of Baby Boomers
Identifying My Ideal Client:
Memory Joggers:Who do you know who is …•Relocating •Changing Jobs•Changing Careers •Going through a Divorce•Selling a Property or Business•Considering accepting a retirement package from an employer•Frustrated with too many choices and not enough time to handle money
Phrases to Listen For Individual Services:“I’m retiring soon”“I’m thinking of starting my own business/practice …”“I’ve decided to sell my business …”“I find my statements hard to read and I don’t know what’s going on …”“I just changed jobs …”
While I serve a wide variety of clients, there are certain common traits that will make the professional relationship mutually rewarding:
Individuals:
•Professionals and corporate executives
•Health Care Professionals & Practitioners•Baby Boomers trying to find a way to save for kids going to college or worried about a comfortable retirement•Busy individuals who do not have the time, energy or inclination to focus their time on managing money
•Pre-Retirees and Retirees between 44 and 67 interested in creating steady retirement income•People who are in transition caused by a business sale, acquisition or growth as well as divorce, legal settlements, inheritance, retirement or other separation from employment
•Willingness to pay for advice starting at about $1.00 per day
Really Interesting Folks I Like to Meet:•People who like to travel, ride bikes or take bike vacations•People involved in politics or community service•People who graduated from UMass – Lowell or Bentley College
What is a financial plan and why do you need one?
A financial plan is a personalized comprehensive strategy for accomplishing your financial goals – a Road Map for Your Money.
Investors with financial plans have twice as much in savings and investments as investors without plans.
The first step is to identify your current financial position including constructing a net worth statement and budget.
Short, medium, and long term financial goals must then be made clear.
Identify variables such as inflation, life expectancy, rates of return, and spending levels.
If desired, develop a schedule for funding an education savings account.
Dealing with Retirement and All the Stops Along the Way
Find “the Number” …What you need to grow into your retirement nest egg
Identify life, disability, long-term care, and liability insurance needs and purchase policies.
Align your estate planning documents to transfer your estate while minimizing taxes.
Determine when you should begin taking social security.
Analyze the value of refinancing your mortgage or buying real estate in your IRA.
Identify an asset allocation between stocks, bonds, and cash that best fits your risk tolerance, goals and timeframe.
“Few of us have the long-term investing prowess to pick the right moment for the right stocks. But persistence has its own rewards. Savers are never losers, even if some stocks have let us all down in the short term.”
Time Versus Timing – The Value of Sticking to a Plan
Develop a method for determining the quality of your current investments and evaluating alternatives.
Write down an investment policy statement defining rules concerning what and when to buy and sell.
Construct a schedule and plan to consistently monitor your financial circumstances.
SERVICES & SPECIAL OFFERS
Advisor-on-Call Program Options Include:
IRA Tune-UpPortfolio Tune-Up
Estate Plan Tune-Up
Less than $1.00 per day with 2-year Commitment
INVESTMENT SERVICES
•IRA•Rollover IRA•Brokerage•College Savings AccountsUsing Mutual Funds, ETFs, Bonds, CDs
401k Advisory Service
•In-Service Monitoring & Investment Decisions
Invest in your future by developing a financial plan. Who you gonna call?Steve Stanganelli, CFP ®, CRPC ® at 978-388-0020 or 978-621-8268 today for a free consultation.
