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Solid Strategies for Changing Times ®

You might have an attorney, an accountant, a stock broker and an insurance agent but who is coordinating all of your financial affairs? Who works with you to help ensure that decisions made are aligned with your financial goals? In these volatile times, financial planning is no longer a do-it-yourself project. There has never been a time when there was a greater need for competent advice and compassionate planning services. IFP is a fee-based financial services firm dedicated to providing hands-on advice, service and support. Our Financial Second Opinion program is a comprehensive investment analysis tool that can help you toward reaching your goals. Let one of financial advisors help put you on track. E-mail us now at info@ifpadvisor.com or contact one of our experienced advisors.

Advisors

Steve Faberman, RFC

Private Wealth Advisor
As a Private Wealth Advisor, Steve brings a team approach to work closely with you to understand your financial goals, time horizon, and risk tolerance. Along with his partner, Al Filosa, and assistants Kristan Bjorkman, Wendy Karkoska and Tracy Dolan and Carla Leombruno, they bring a wealth of resources. Recently Steve was listed for the fourth year in a row as a Five Star Wealth Manager in Boston Magazine.

Al Filosa

Private Wealth Advisor
Al has been in the financial services industry for over 18 years. Al is partnered with Steve Faberman. They work as a team along with their staff, Kristan Bjorkman, Wendy Karkoska,CRPC, Rammy Ronchini and Tracy Dolan. Together they work closely with each client to offer solutions designed to help them realize their financial goals.

Jeffrey E. Cowling

Jeffrey Cowling has received some the most distinguished awards and honors the financial services industry has to offer such as the Million Dollar Round Table, the Presidents Club and the Top of the Circle. Jeff donates his time by coaching local youth soccer programs and supports local charities and participates in church sponsored activities. He knows that it takes hard work and deep personal involvement to make a difference in his community and the lives of his family and his clients.

Paul J. Meaney, CFP®

Paul Meaney a graduate of the College of the Holy Cross, has worked in the financial services industry for over 25 years. Recently Paul was listed in Boston Magazine as a Five Star Wealth Manager. As a CFP® professional, Paul has agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence when taking care of clients.

Email: Paul.Meaney@LFG.com

Christopher Ferretti, CRPC®

Financial Planner
Chris graduated Magna Cum Laude with a Bachelors of Science in Accounting and Computer Information Systems from the University of Southern New Hampshire. To best accommodate clients, Chris can conduct meetings in his office in Chesapeake or in other IFP offices located throughout New England and the East Coast.

Email: Chris.Ferretti@LFG.com

Christopher C. Cavallaro, RFC, CRP®

Christopher C. CavallaroChristopher Cavallaro is a graduate of Boston University and has been a leader in the financial services industry for more than 20 years. Chris conducts frequent seminars and workshops on numerous financial topics. He has been a guest speaker for Massachusetts Chiefs of Police Association, and In-Service Training Council, Barnstable Senior Center, The Council on Aging, and The Outplacement Center.

Robert M. Grenus RFC, CFS

Robert Grenus has been a Financial Planner for over twenty two years. During that time he has attained some of the highest distinctions available in the financial services industry, both on the local and national levels. Recently Rob was listed in the Hartford Courant as a Five Star Wealth Manager.

Robert A. Rebussini, CFS, LUTCF, CLTC, CRPC®

Since 1986, Bob Rebussini has been helping people gain control of their complex financial challenges. Recently, Bob was listed as a Five Star Wealth Manager in Rhode Island Monthly magazine. Bob’s philosophy is to keep his clients current on the latest strategies for producing reliable retirement income, minimizing estate taxes and structuring their investment portfolios based on goals and time horizons.

Richard Osman, CFP®, CLU, ChFC®, CASL®

Richard is uniquely qualified to take the mystery out of complex financial issues. Richard has been a licensed financial professional since 1993. Prior to getting his security licenses, Richard spent several years as the owner of a small general contracting firm. Richard is an active member of his community and enjoys golf, football, skiing, travel and spending time with his family.

Email:Richard.Osman@LFG.com

Howard Gerrin, JD*, LLM, ChFC

Financial Planner

Howard began his career as an estate and gift tax attorney for the Internal Revenue Service, conducting full audits of more than 600 large estates. This work inspired him to pursue a career educating individuals and companies to prepare for all of life's financial possibilities.

Email: Howard.Gerrin@LFG.com

Mark A. Fitzpatrick, CFS

Mark A. Fitzpatrick, CFS, is committed to helping his clients achieve financial independence in their retirement years so they can enjoy the comfortable lifestyle they deserve. Mark belongs to a team of experienced financial services professionals who are well equipped to address all areas of the planning process. Mark focuses on the preservation of assets and maintaining purchasing power as a primary goal. From this base he offers products to help you meet your specific goals and objectives.

Joseph Sullivan, CFS

Mr. Sullivan's commitment to financial services is acknowledged by his successful completing of rigorous program requirements, certifications and continuing education credits.

Email:Joseph.Sullivan@LFG.com

Peter Salkins, CFP®

Peter graduated from Assumption College with a degree in Economics. He received his CERTIFIED FINANCIAL PLANNER™ certification from The College for Financial Planning in Denver, Colorado. As a CERTIFIED FINANCIAL PLANNER™ Professional, Peter has agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence when taking care of clients.

Email: Peter.Salkins@LFG.com

Shawn Wilson, CRPC®

Wealth Planning Advisor
Shawn and his team work with clients to design a personal financial plan around their specific needs and life goals as well as update your plan based on changes in market conditions as well as changes in your individual situation.

Email: Shawn.Wilson@IFPAdvisor.com

John O. Florence, Jr., CRPC®

After a career at IBM, John joined State Street Bank in the mutual funds division. He was a founding partner of CypressTree Holdings which created the industry’s first monthly-priced bank loan fund. Prior to becoming an advisor, he was a national sales manager for SunAmerica mutual funds. As a Private Wealth Advisor, John focuses on estate planning and wealth management for executives, business owners and families.

Mark Cavasino, CFP®

Mark Cavasino, a CERTIFIED FINANCIAL PLANNER™ Professional, can help you gain control of your complex financial challenges by taking an objective, long term approach to your needs. By working with your own tax and legal consultants, as well as his team of talented colleagues, he will work with you to construct a comprehensive personalized financial plan. From building a retirement nest egg to helping you plan for retirement income that maintains its efficiency even with longevity, inflation and taxes.

Jeffrey M. Armstrong, CMFC®, CRPC®

Wealth Planning Advisor
Jeff and his capable team will work with your own tax and legal consultants, to build a comprehensive personalized financial plan that provides solutions for your situation and goals. He also offers a no-obligation Financial Second Opinion.™

Email: Jeffrey.Armstrong@IFPAdvisor.com

Deborah S. Telles-Palladino, CRPC®, ChFC®, CLU

Financial Planner
Deborah helps clients create wealth and position their investments appropriately through careful and comprehensive planning strategies. A Past President of the Rotary Club of Brookline, Deborah was recently named one of Boston’s Top 10 Financial Advisors by Women’s Business, a publication for professional and business women. Now living in Newton, Deborah is an avid photographer, gardener and health and fitness advocate.

Kevin McGrady, CLU, CFS, ChFC®, CRPC®

Kevin McGrady, CLU, CFS, ChFC®, CRPC® is dedicated to providing his clients with a full and diversified range of financial products and services. He focuses on working with small business owners and individuals that are retired or nearing retirement. Kevin can be reached at 401-490-0290, Ext. 304, Email: Kevin.McGrady@lfg.com.

John K. Ulwick, CFP®

John has been quoted in The Boston Globe on numerous occasions. Recently John was listed in Boston Magazine as a Five Star Wealth Manager. John believes in giving back to his community. He has served on the board of Project Place in Boston and is currently a Winchester Soccer Club coach, a Winchester Youth Basketball coach and on the board of advisors for the Winchester Youth Basketball Association.

Christopher Michalman, CFP®, CFS

Christopher Michalman can help you plan the retirement you deserve. Chris uses a comprehensive process so he is better able to align your goals with the appropriate financial tools. The process includes needs assessment, analysis, plan design and continuing service and support. Together with his team at IFP, they can bring a wealth of resources and creative solutions to help you live your life with confidence. Chris splits his time between IFP offices in Glastonbury, CT and Derry, NH.

Philip G. Masi, MBA, CFP®

Phil has a Bachelor of Science Degree in Accounting from Villanova University and an MBA from the University of Bridgeport. He is a CERTIFIED FINANCIAL PLANNER™ practitioner and a Charter Member of the Estate Planning Council of Putnam County. Phil has made his home in Somers, New York, with his wife and son for over 20 years.

Email: Philip.Masi@LFG.com

John O'Brien

John O’Brien is dedicated to helping people achieve "Life's Great Goals". He focuses on comprehensive planning methodologies that include wealth accumulation, investment planning and wealth management, employee benefits, retirement planning, business succession, estate conservation and charitable planning. A noted public speaker, John is a Chartered Financial Consultant (ChFC) and a CERTIFIED FINANCIAL PLANNER™ practitioner.

Peter A Gaines, CLU, ChFC®, CRPC®

Financial Planner
Financial planning is no longer a do-it-yourself project. It takes careful navigation. Peter Gaines, with his thirty-plus years of experience and expertise, can help steer you toward the right direction. He is uniquely qualified to provide creative strategies so you can make well-informed decisions.

Email: Peter.Gaines@LFG.com

Nishan Mootafian, CRPC

What steps are you taking to achieve your financial goals? Nishan Mootafian can help you build a comprehensive personalized plan that provides appropriate solutions. He also offers a no obligation Financial Second Opinion.™ A native of Peabody, Nishan now resides in Ipswich with his wife, Denise, a local realtor, and their three children.

John Frongillo, CRPC®

While focused on Retirement Planning and Wealth Distribution strategies, John provides full Financial Needs Analysis services. He also assists employers with group benefits for employees. John resides in Shrewsbury with his wife and two daughters. A member of St. Anne's Church, John spends his free time enjoying golf, racquetball, skiing and outdoor activities.

Email: John.Frongillo@LFG.com

David H. Weinberg, CRPC

David H. Weinberg, CRPC® has a background in both accounting and business, and is now providing meaningful financial solutions for individuals, families and businesses. David can be reached at 401-490-0290, Ext. 305,

Email: David.Weinberg@LFG.com.

R. Jason Horwitz, CRPC®

Jason Horwitz, along with his team, design cost-effective and tax-efficient strategies tailored to fit the client's specific needs. Recently Jason was listed as a Five Star Wealth Manager in Boston Magazine. Jason resides in Norwell, MA with his wife, Becky, and their three children. Jason sits on the Board of Directors for the South Shore Young Professionals, a non-profit organization. He also volunteers at the Greater Boston Leadership Council for Special Olympics.

Jack Smoot, J.D.*

Jack is a member of Integrated Financial Partners, Inc., offering securities through Lincoln Financial Advisors. It is through these firms that Jack can deliver a wealth of resources and solutions. As a former attorney with the Department of Justice, he adheres to the principles of integrity, confidentiality and fairness.

Email:Jack.Smoot@LFG.com

Leal S. Deddens, CFP®, CRPC®

Wealth Planning Advisor
Leal focuses his practice on working with successful business owners, professionals and retirees. A firm believer in education, Leal can help provide advice and direction so you can make informed decisions for your retirement planning, investments, estate planning, and long-term care insurance.

Email: Leal.Deddens@LFG.com

Amy Oviedo, CLTC

Wealth Planning Advisor
Amy is a member of Integrated Financial Partners, Inc., offering securities through Lincoln Financial Advisors. It is through these firms that Amy can deliver a wealth of resources and solutions. Amy adheres to the principles of integrity, confidentiality and fairness.

Email: Amy.Ovideo@IFPAdvisor.com

Anthony R. Pasqua, CRPC®

Financial Planner
With over 30 years of business development and military service, Tony is a seasoned advisor who develops and implements financial plans for individuals and business owners. Tony is an active volunteer who devotes his time and energies to his local church as well as many other worthy charitable causes.

Email:Anthony.Pasqua@LFG.com

Paul C. Koenig Jr., CFP®, ChFC®, CRPC®, RFC®

Financial Planner
As a financial planner focused on working with successful physicians, business owners, and professional women, Paul Koenig can help you gain the confidence that comes from working with someone who understands your financial goals. He is passionate about working with clients to help them meet their financial needs and plan for the future.

Email:Paul.Koenig@LFG.com

Lance Leimberg, CFP®, ChFC®, CRPC®

Wealth Planning Advisor
Lance Leimberg brings a team approach and quality service for you and your family. His ongoing commitment to education will allow him to help you toward your personal goals through creative solutions and strategies.

Email: Lance.Leimberg@LFG.com

Don Meredith, CRPC®

Financial Planner
Things you should know about Don Meredith: He is not a captive agent. The LFA platform offers a broad selection of products and services from many different companies. His first interest will always be to meet your specific needs. Products and services may be combined from a few companies to help maximize goals and objectives.

Email: Don.Meredith@LFG.com

Cole Smith, CRPC®

Wealth Planning Advisor
Financial planning can help make the difference between those who enjoy a comfortable retirement and those who struggle. Cole Smith can help you with your pre and post retirement planning, estate planning and investment management goals.

Email: Cole.Smith@IFPAdvisor.com

John Koshy

Private Wealth Advisor
John started his career in Buffalo, New York in 1989 advising corporate, not-for-profit and public sector clients on issues related to key employee compensation, and employee benefits such as retirement plans. Strategic focus includes business succession and exit strategies for business owners, as well as estate, retirement and investment planning for successful individuals.

Cathy Bearce, CFP®, ChFC®, ADPA®

Wealth Planning Advisor
Cathy earned two Bachelor’s degrees prior to entering the financial industry, in Management Information Systems and Electrical Engineering. This diverse background, as well as early career experience, gave her a unique perspective that allows her to build a foundation of understanding necessary to help clients with diverse and unique challenges.

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Latest News

Financial & Economic Brief - May 27th, 2014

• Home Equity Loans Pick Up - In 2013, lines of credit initiated by lenders rose 20% to $92.5 billion, the fastest growth since 2011.

• Fed Outlook Accurate? - Traders are challenging the belief that the economy will be strong enough to force the Federal Bank (Fed) to lift its overnight interest rate beyond 3.3%.

• Durable Goods Orders Up - According to the U.S. Commerce Department, durable goods orders, goods lasting three or more years, increased 0.8% in April.

Financial & Economic Brief - June 10th, 2014

• U.S. Stocks Fluctuate - After the S&P 500 hit record levels last week, U.S. stocks are fluctuating today.

• China to Refocus on Reforms - The International Monetary Fund (IMF) is recommending to China that it adopt a growth target of about 7% for 2015.

• Some Jobs Slow to Return - In May, the U.S economy reached a milestone, finally recovering all 8.7 million jobs lost in the recession.

Financial & Economic Brief - June 25th, 2014

• Oil Prices Rise - This past weekend militants from the Islamic State in Iraq and Syria (ISIS) continued their drive toward Bagdad, taking over numerous cities.

• Oracle to Buy MICROS Systems - Despite disappointing fourth-quarter results, Oracle, the multinational high tech company, will acquire MICROS Systems for $5.3 billion.

• Survey Shows Economic Expansion - A survey of U.S. manufacturers conducted by Markit shows that the U.S. manufacturing sector expanded in June at its fastest rate in four years.

Paul Saganey, Investment News: How to Use CPAs to Attract New Business

Paul Saganey CFP®, Founder and President of Integrated Financial Partners, Inc., provides Intel and tips on how to form CPA, attorney, and marketing partnerships that can take your advisory practice to the next level.

Read entire article at Investment News

Financial & Economic Brief - June 3rd, 2014

• Municipal Bond Use Decreases - >Despite low interest rates, U.S. cities and states are reluctant to borrow money, and bond sales are 25.4 % lower than they were last yea

• Detroit Three Boost Sales - The number of U.S. autos sold, to be released in a report on June 3, are expected to show that Americans are buying more American cars.

• Main Street Still Recovering - Although what is called the Great Recession technically ended in June 2009, the majority of Americans still rate the economy as “poor.”

Financial & Economic Brief - June 17th, 2014

• Oil Prices Rising - The price of a barrel of crude has risen to $107, the highest it’s been since September 13.

• Partner Names Revealed in Alibaba’s IPO Document - Alibaba Group, the giant Chinese e-commerce company, disclosed the names of 27 employees running the company in its recently released amended initial public offering prospectus.

• India Hit by Five-Month Inflation High - Though a top priority of India’s new prime minister, Narendra Modi, is to control inflation, it has risen to a five-month high.

Financial & Economic Brief - July 1st, 2014

• Consumer Spending Weak - Consumer spending fell 0.1% in May, following a 0.2% drop in April and the first quarter of 2014 showed a sharp economic contraction.

• Inflation Remains Low in Eurozone - Reports for May and June show that inflation in the Eurozone is at 2009 recession levels.

• Millennials to Affect Housing Market - By 2025, Millennials may have formed 24 million new households, according to a study by Harvard’s Joint Center for Housing studies.