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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.
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 Tammy Ronchini, 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.
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. A life-long Connecticut native, Jeffrey lives in West Simsbury with his wife and children. In addition to enjoying golf, skiing, snowmobiling and a regular workout regimen, Jeffrey donates his time by coaching local youth soccer programs. As a true believer in the quality of family life and community involvement, Jeffrey enthusiastically 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.
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.
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. He was recognized as "Planner of the Year" and "Professional Partner Affiliate" by IFP for the past several years. Christopher 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.
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
Mark A. Fitzpatrick, CFS
Mark A. Fitzpatrick, CFS, has been in financial services for over 25 years. He is committed to helping his clients achieve financial independence in their retirement years so they can enjoy the comfortable lifestyle they deserve. Mark helps his clients set their financial goals, identify any existing gaps, and works to help his clients turn those goals into reality. 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
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.
Shawn Wilson, CRPC®
Wealth Planning Advisor
John O. Florence, Jr., CRPC®
After a career at IBM, John joined State Street Bank in the mutual funds division where he worked with some of the largest mutual fund companies in the industry. 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. As a graduate of Phillips Academy and Denison University, John lives in Norfolk, MA with his wife,Colleen and their three children.
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.™
Deborah S. Telles-Palladino, CRPC®, ChFC®, CLU
Deborah helps clients create wealth and position their investments properly through the use of tax-advantaged products and strategies. Deborah uses a comprehensive financial planning approach which includes an evaluation of retirement, risk management, investments, education funding, longevity planning and legacy planning. Her process helps identify what is most important so that financial tools and resources can be properly aligned with goals, despite personal lifestyle changes and external economic factors. 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®
Enjoying a comfortable retirement...putting children through college...running a successful business...we all have financial goals. John's approach helps ensure that your goals, objectives and risk tolerance are properly considered and managed and he can deliver a wealth of resources and solutions. 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 and achieve life's great goals. 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.
John O’Brien is a Registered Representative and manages a progressive financial services practice assisting private and business owner clients to achieve "Life's Great Goals". He focuses on comprehensive financial planning methodologies that include wealth accumulation, investment planning and wealth management, employee benefits, retirement planning, retirement income planning strategies, business succession, and estate conservation and charitable planning. A noted public speaker, John is a Chartered Financial Consultant (ChFC) and a CERTIFIED FINANCIAL PLANNER practitioner. The ChFC and CFP® certifications are offered by the American College in Bryn Mawr, Pennsylvania.
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.
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.
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,
R. Jason Horwitz, CRPC
Jason Horwitz, along with his team, design cost-effective and tax-efficient strategies. Their broad experience and capabilities provide creative solutions 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, Jake, Sam and Lainey. Jason is very civic and community minded, donating his time to various religious, community and charitable organizations. 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.
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.
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.
Anthony R. Pasqua, CRPC®
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.
Paul C. Koenig Jr., CFP®, ChFC®, CRPC®, RFC®
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.
Lance Leimberg, CFP®, ChFC®, CRPC®
Wealth Planning Advisor
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.
Cole Smith, CRPC®
Wealth Planning Advisor
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.
Ray Lucas, CFP®
Senior Vice President of Financial Planning
Ray Lucas, CFP® is the head of Integrated Financial Solutions™, the case design and case consultation division of Integrated Financial Partners. An accounting graduate of Bentley College, Ray is a former faculty member of the Boston University program for financial planning. An author and contributor to various publications, Ray's expertise has put him in demand as a speaker on the topics of estate and retirement planning.
Vice President, Case Design
Bill Beaudoin, CFS has been a member of our case design team since 1994. One of Bill's areas of specialization lies within the risk management area where he is able to deliver unique strategies and tactics supported by specialized knowledge of product selections.
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.
Financial & Economic Brief - October 23th, 2013
• S&P 500 Up Before Jobs Report - pThe S&P 500 Index rallied to a new record gaining 0.1 percent, while U.S. stocks remained unchanged falling less than 0.1 percent.
• Housing Market Recovery Slowing - The National Association of Realtors (NAR) said that home sales fell 1.9 percent to an annual rate of 5.29 million units, as compared to August’s 5.39 million units.
• Cuts in Spending Bad for Economy - Since March 2013, the government has been functioning on a budget that includes $80 billion in spending cuts, which experts say has harmed U.S. economic growth.
Financial & Economic Brief - November 6th, 2013
• Deflation Risk in Europe - There is weak improvement in the European economy, punctuated by October inflation falling to 0.7% from 1.1% in September and record levels of unemployment, above 12%.
• U.S. Spending Plans Drop - New orders of U.S.-made, non-military capital goods other than aircraft, which is a gauge of business spending strategies, fell 1.3% during the month of October.
• Deutsche Bank Says Buy - As economic signs such as retail sales and jobs growth stumble, bonds are showing improvement.
Financial & Economic Brief - November 20th, 2013
• Bank Lending Strong - According to Boston Federal Reserve President Eric Rosengren, bank lending is “quite strong.”
• U.S. Health Care Trouble - A recent study conducted by The Commonwealth Fund finds that Americans are more likely to have trouble paying medical bills or getting a speedy appointment than 10 other high-income, industrialized countries.
• U.S. Markets Envied - Financial conditions in the U.S. are healthier than before the Lehman Brothers collapse in 2008, amidst the struggle in Asia and Europe.
Financial & Economic Brief - October 30th, 2013
• Euro Zone Debt Heavy - Little growth and high unemployment in Italy, Greece, Ireland, and Portugal, have defined the European Union’s most economically fragile members for the past 10 years.
• U.S. Stocks Even Before Meeting on Bonds - Recent data showed factory production was lower than the forecasted amount ahead of the Federal Reserve policy meeting this week to discuss cutting the $85 billion bond purchase program.
• JP Morgan Paying for Mortgage Trouble - JP Morgan is paying $5.1 billion to Fannie Mae and Freddie Mac to resolve issues around misrepresenting and selling risky mortgages and mortgage-backed securities.
Financial & Economic Brief - November 13th, 2013
• Gas Prices Decline - According to AAA, the national average price of gas is $3.19/gallon but may be dropping below $3.00 in the coming weeks.
• European Central Bank Surprises - Last week, the European Central Bank (ECB) cut its main refinancing rate to a record low, and printed trillions of dollars in reaction to the decline in inflation.
• Investors Anticipate Consumer Demand - After the longest stretch of weekly gains since February, U.S. stocks are holding relatively steady as investors await November earnings reports.
Financial & Economic Brief - December 3rd, 2013
• Slow Employment Recovery Boosts Markets - U.S. workforces remain 1.5 million below their 2008 level, despite the fact that markets are 5 years into a rally, according to Bloomberg data.
• Thanksgiving Day Shopping Cuts Sales on Black Friday - Total storefront sales increased slightly for Thanksgiving Day and Black Friday, up 2.3% from last year, to $12.3 billion overall, according to ShopperTalk a retail industry research firm.
• Manufacturing Grows to High - In November U.S. manufacturing grew to a 10-month high, additionally factory output and new orders grew at their fastest rates since March 2012 and January 2013.