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Ciuni & Panichi has over 40 years of quality service.

Wealth Management | Questions to ask your Investment Professional


We serve select business owners, executives, and high net worth families.  Our team will assist you in defining your financial goals; developing a plan to help attain these goals; assist in implementing the plan; and monitor your progress over time.  We understand that this is an ongoing process, and not a quick analysis with instant solutions.  Our approach is to take a long term perspective and treat it as an ongoing process.

  1. What is the education and work experience background of my advisor?  What financial designations and certifications does my advisor have?
  2. What proprietary products does my advisor have?  Is there potential conflict of interest when recommending products and/or services?
  3. What is NUA?  If I have employer stock why is this strategy important to know about?
  4. Given my current lifestyle, what rate of return do I need to earn on my portfolio from now and until retirement?  What rate during retirement do I need to earn?
  5. What dollar amount do I need to save each month in order to retire on the day I want to?
  6. What are the various multi-generational planning techniques that are available to maximize my federal and state applicable exclusions to ensure that my net worth will transfer to the people I desire and not the IRS, state, and federal governments?
  7. What portfolio insurance strategies are available to me to safeguard my investments?
  8. How is my total investment portfolio tax diversified to reduce taxes now and also down the road?
  9. What strategy is there to convert my current growth portfolio to an income producing portfolio?
  10. What strategy is currently in place to continue my family's lifestyle that I will enjoy on the day prior to the day I retire regardless of what happens to the financial markets?
  11. How is my financial situation secure so that my family can continue their lifestyle if I become laid off, disabled, have a premature death, have a legal judgment, or need long term health care?
  12. How can my family and I exercise a Pension, Social Security, Incentive Stock Options, Nonqualified Stock Options, Restricted Stock, Phantom Stock, Stock Appreciation Rights, and Nonqualified Deferred Compensation plans most effectively?
  13. How is my current investment, tax, and estate planning coordinated with each other and have those respective professionals spoken?
  14. If I feel I am behind and not sure what to do, who do I trust to give me the impartial advice and direction that I need?
  15. What are my peers doing that I am not currently doing or aware of?

For more information, contact us today. Or, you can connect with any of the individuals highlighted on this page.

Securities offered through 1st Global Capital Corp., Member FINRA, SIPC Investment advisory services offered through 1st Global Advisors, Inc.