- The IFP Approach
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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 email@example.com or contact one of our experienced advisors.
Kevin specializes in retirement and estate planning, education funding and business owner succession planning. He bases his practice on the philosophy of working conservatively with clients in order to help them achieve realistic goals.
As a business owner and former professional hockey player, Kevin has learned the value of discipline, teamwork and healthy competition. As a financial advisor, Kevin uses his knowledge and experience to help professional athletes transition. He also specializes in working with business owners, as he has an intimate knowledge of the numerous challenges they face. Kevin can meet with clients in his office in Marina Bay or in any of IFP's 25 other offices.
Christopher C. Cavallaro, RFC, CRP®
Christopher 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.
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®, Carla Leombruno and Tracy Dolan. Together they work closely with each client to offer solutions designed to help them realize their financial goals.
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.
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.
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.
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.
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.
Christopher Ferretti, CRPC®
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.
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.
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.
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.
Howard Gerrin, JD*, LLM, ChFC
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
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.
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.
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.
Joseph Sullivan, CFS
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.
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.
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,
Peter A Gaines, CLU, ChFC®, CRPC®
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.
Shawn Wilson, CRPC®
Wealth Planning Advisor
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.™
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.
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.
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.
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.
Don Meredith, CRPC®
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.
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.
Deborah S. Telles-Palladino, CRPC®, ChFC®, CLU
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.
Financial and Economic Brief - May 20th, 2015
• Extending Trade between Russia and China - Russia and China signed new trade deals furthering Chinese lending to Russian firms by $25 billion over 3 years.
• Housing Market Improvement - This week the National Association of Homebuilders puts out its index of home builder sentiment.
• Greece Expects Agreement this Month - Greece will pay wages and pensions in May but needs an agreement with creditors by the end of the month or it may fall into bankruptcy.
Financial and Economic Brief - May 13th, 2015
• April Jobs Report Strong - After a low number in March, the U.S. added 223,000 jobs in April.
• China Opening to Wall Street Firms - After years of restricting foreign investment banks, China may start allowing Wall Street firms more access to its securities market.
• Oil Falls - After dropping 1.6% last week, oil fell 30 cents toward $65 a barrel after signs that U.S. shale oil production was recovering.
Financial and Economic Brief - May 6th, 2015
• Greeks Still Out of Work - Signs of the continuing economic woes are anticipated in Wednesday’s jobless numbers.
• U.S Economy: Changing Course? - The first quarter of 2015 has shown flat growth for the U.S. economy as seen in the unpredictable stock market.
• Oil Rises To High - Oil rose 39 cents to a 2015 high of $67 a barrel, reinforced by hopes that the oversupply will ease.
Financial and Economic Brief - April 29th, 2015
• Deutsche Bank’s New Plan - Deutsche Bank shares dropped as its proposal to cut costs by selling Postbank and shrinking the securities business fell short.
• Threat of New Recession - The threat of recession and falling tax revenues are pressuring the Greek government to “strike a deal” with its creditors this week.
• Nasdaq: Then and Now - After 15 years, the Nasdaq index finally completed its “boom-bust-boom journey.”
Financial and Economic Brief - April 22nd, 2015
• China’s Stimulus Announced - The People's Bank of China announced that is lowering the amount of cash that large banks must keep on reserve by 1% to 18.5%.
• Hedge Funds Optimistic - Hedge fund managers increased their net-long position in West Texas Intermediate (WTI) crude by 9%, the highest in the last 8 months.
• Greek Talks Moving Slowly - Greece, its euro zone partners and the IMF have been in talks for a long time over the reforms required to “unlock” the remaining bailout funds for Greece.
Financial and Economic Brief - April 15th, 2015
• Chinese Economy Slowing - In the first quarter of 2015, China’s gross domestic product grew by 7.0%, compared to the same period in 2014.
• Crude Rises - Brent crude rose to $59 a barrel as U.S. oil drilling slowed down, falling by 42 last week to 760 the lowest level since 2010
• College Degree Leads to Middle Class - According to a recent survey from the Center on Education and the Workforce at Georgetown University, not going to college can be costly.
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.