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Biography :: Certified College Planning Specialist, Certified Senior Advisor.

I have worked with people in business and family settings for many years. My approach has always been comprehensive taking into consideration my clients' entire financial world including: taxes, insurance, estate planning, investments, real estate retirement planning, cash flow, and college planning.

I operate under two guiding principals. First, develop a personal and high quality service model for my clients and second, be independent so a best in class solution may be offered free of obligations to a specific company's products or services.

In a typical engagement, first we meet and decide if we want to work together and in what capacity. This first meeting is complimentary of course. Assuming we want to move forward, we work together to understand your current situation, goals and timeline and create a financial strategy customized for you. The backbone of any financial plan is monitoring the plan. We meet regularly to update any changes in your life, your family or your goals to make sure the expected results are being delivered. I collaborate with experts in the area of the law, accounting, finance, insurance and real estate to fine tune your plan.

As many of my clients are nearing retirement, planning for the golden years has always been a special focus of my business. Of particular interest is the disbursement side of planning with respect to pensions, capital gains taxation, withdrawals of 401K's, IRA's, etc. There is a tremendous amount of information available on how to save, but very little on how to spend your money in retirement. Both are critical to a successful retirement plan.

Planning for college funding is also a specialty. As a certified college specialist, I have been able to help parents find ways to pay for college and still save for retirement. I am always available to talk with parent groups in addition to delivering financial education classes at local community centers.

As a licensed life agent I help my clients select what I believe to be the best in class solutions for life, health, long term care and disability insurance. In addition, I can provide a large selection of both fixed and variable annuities.

• Michigan State University, Bachelor of Science -- Marketing



• Fee Based Advisor



• Certified College Planning Specialist



• Registered Representative Securities America



• Investment Advisor Representative Cooper McManus, an Investment Advisory Firm in Irvine

Isn't it time to put your
financial plan into action?

For more information or for a consultation,
please call: (949) 459-2133.

Securities offered through Securities America Inc., a Registered Broker / Dealer Member FINRA / SIPC, Sydney Riccio, Registered Representative. Advisory services offered through Cooper McManus, an SEC Registered Investment Advisor, Sydney Riccio, Investment Advisor Representative. Cooper McManus and Securities America are not affiliated.