Leonard J Gargagliano, CLU®, ChFC®

Financial Advisor

 

Each of us has a different vision of what it means to be financially secure, and your vision is likely to change throughout your lifetime – when you begin your career, start a family, educate your children and enter retirement.  My mission is to help each of my clients to first define what financial security means to them.  I will help you create a personalized holistic financial plan that has a firm foundation in your beliefs, mitigate risks, and addresses your hopes for the future.

But achieving financial security takes more than creating a comprehensive plan; you also have to take action on your plan, and evaluate and adjust it over time.  However, it is generally built upon the foundation of three main components: managing risk, accumulating wealth, and preserving and distributing that wealth.  Together, we’ll create a timeline to help protect you and your family now, and execute the steps necessary to respond to whatever life brings.  My team and I run a client centric practice, you'll always know that helping you is a priority for us. 

 

Risk Management: protecting the things you value and could least afford to lose; It's your foundation for all planning.  As the foundation of the pyramid, the Risk Management stage is where lifetime financial security begins. Each person’s Financial Pyramid is only as strong as its foundation.  

Wealth Accumulation: planning to achieve your financial goals including education for your children, the lifestyle you choose and your retirement dreams.     Expert guidance can help you build your overall portfolio. We also believe in the value asset allocation, the foundation of a diversified investment program. And finally we believe in the value of investment fundamentals, the basic principles such as getting an early start, investing regularly, and using dollar-cost averaging to help reduce market risk.

Wealth Preservation and Distribution:  evaluating your situation, the income you need for your retirement lifestyle, and the optimal way to pass along a legacy to your heirs. Make the most of your assets. Your plan may gradually reduce investment risk exposure to preserve assets while also generating enough retirement income to support your standard of living for as long as you live.

 

The Northwestern Mutual Difference

We make plans for people, not just money. So no matter your goals, we have access to top rated products and services to help you meet each one.

  • Best Life Insurance Company ranked by NerdWallet, April 2019 1
  • Highest financial strength ratings of any life insurer from all four major rating agencies2
  • Top 10 U.S. Independent Investment Broker-Dealers3
1 ©2017-2019 and TM, NerdWallet, Inc. All Rights Reserved.

2 A.M. Best Company, A++ (highest), May 2019; Fitch Ratings, AAA (highest), May 2019; Moody's Investors Service, Aaa (highest), September 2018; S&P Global Ratings, AA+ (second highest), June 2019. Third-party ratings are subject to change. Ratings are for The Northwestern Mutual Life Insurance Company and Northwestern Long Term Care Insurance Company.

3 Measured by 2018 total revenues. Ranking for Northwestern Mutual Investment Services, LLC. Sources: Financial Advisor magazine and Investment News, May 2019.

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To learn more about Northwestern Mutual Investment Services, LLC and its financial representatives, visit: FINRA BrokerCheck