For Individuals

It is never too late to start thinking about your personal financial objectives and strategizing a plan to help achieve your financial goals. Whether it’s organizing your retirement assets to guarantee your own retirement security or reevaluating your insurance, we can help create a financial plan that meets your current needs while achieving your lifelong wealth goals.

We have helped others with:

Investment Management

We recognize that every investor is unique and through Eagle Strategies LLC, A Registered Investment Adviser & an indirect, wholly-owned subsidiary of New York Life Ins. Co., investment and financial advisory services can be proved to you with professional advice while ensuring you get a personalized investment strategy. Whether you're seeking a tailored, professionally managed portfolio, or the convenience and simplicity of a diversified mutual fund wrap program, we’ll utilize Eagle’s sophisticated wealth management platform and Eagle Strategies’ diverse team of investment experts, help ensure your investment choice is geared towards meeting your financial goals.

Our portfolio management services offer the same benefits as those had by institutional investors:

  • Access to top-tier investment management professionals
  • Tailored portfolios to meet specific investment needs
  • Ownership of individual securities - allowing flexibility in controlling tax* exposure
  • Ease of pre-designed investment and strategic portfolios

We will ensure your investment plan considers current and future growth objectives, income needs, time horizon and risk tolerance. Call us to set up a complimentary consultation and we can start the process of developing your personalized portfolio management strategy.

All investment advisory services are offered through Eagle Strategies LLC, A Registered Investment Adviser. All investment involve risk including the potential loss of principal.

Retirement Planning

The amount you will need in retirement depends on several things: the age you plan to retire, your desired retirement lifestyle, how long you expect to live, and other needs or goals. Also, Social Security and employer-sponsored pension plans will probably provide less of what you will need than they did for your parents. Let us help organize all these factors while helping ensure you maximize your retirement income. Several strategies we can discuss and implement in your retirement plan include:

  • Selling a business or real estate property
  • Prioritizing retirement goals and objectives
  • Saving more or retire at a later age
  • Spending less during retirement
  • Investing while striving to balance risk and other factors
  • Maximizing contributions to qualified retirement plans or IRA’s
  • Liquidation of non-cash assets
  • Maximizing Social Security or Pension
  • Analyze stock options through employers to include RSU, grants and options

Wealth Preservation and Estate Planning

With many uncertainties today, this is a key issue for many clients. To follow through on your commitments to yourself, your family and your values, you should plan ahead. A personalized estate plan is important in helping to protect your family and your legacy. We can help construct a financial plan while working with your tax and legal professionals to help address one or more of your estate planning needs:

  • Transferring wealth from one generation to the next
  • Minimizing income and estate taxes*
  • Aligning existing portfolio and retirement accounts with your estate plan

Risk Management

Sometimes things happen that are unexpected and unplanned for. A sound financial plan must address the insurance coverages you, your spouse and family members may require to deal with life’s bigger surprises. Some coverages we can discuss:

  • Life Insurance: It is most important for the death benefit protection it provides families and businesses. It may be used for living expenses for surviving family members and funeral expenses. It can also be used to cover estate taxes and probate fees to enable your estate to be liquidated in the most appropriate manner. Should your death benefit needs decrease the cash value accumulation may be accessed for outstanding debts, charitable donations and college funding needs**.
  • Disability Income Insurance: It is vital in partially replacing income of persons who are unable to work because of sickness or accident. In terms of its financial effect on the family, long-term disability can be just as severe as death. Disability income protection can come from several sources: social insurance programs, employer-provided benefits, and individually purchased policies.  
  • Mortgage Protection Insurance: Just bought a new home? Is your life insurance adequate?
  • Health Insurance: In this ever-changing environment, we can coordinate with some of the top carriers for business and individual plans.

Charitable Gifting

Charitable gifting strategies may be used as a means of distributing your estate, minimizing estate taxes upon death and maximizing net distributions to family, friends and charities. Sit down with us to discuss details on how we can help implement one of more of the following strategies in your wealth preservation plan:

  • Grantor Retained Trusts*: allows you to remove appreciating property from your estate thus reducing estate taxes.  
  • Charitable Remainder Trusts*: provides an income to you or any designated non-charitable beneficiaries with the remainder interest being transferred to a qualified charity at the end of the term.
  • Charitable Lead Trusts*: allows you to designate charities to receive an income stream during term of the trust. At the end of the term, the ultimate beneficiaries are your heirs.

Education Funding

Education planning for your children can be a major financial consideration. Planning early can minimize your savings requirement by allowing you to take advantage of the time value of money. We can help prioritize your education objectives with other current income needs like major purchases, insurance, and retirement. Come in and we can:

  • Help ensure college expenses are properly planned - including tuition, room and board and living expenses. Factor in an inflation rate for the rising cost of tuition. Consider planning for post-graduate studies. Account for potential scholarships and financial aid.
  • Consider various education funding accounts: Qualified State Tuition Plans (also known as 529 Plans***), Uniform Transfer to Minor Accounts (UTMA) / Uniform Gifts to Minor Accounts (UGMA), Coverdell Educational savings accounts and prepaid tuition plans
  • Develop an effective savings strategy that considers asset allocation**** and takes advantage of education plans.

*Neither Barilotti Wealth Strategies LLC or its staff, nor Eagle Strategies LLC or its advisors or affiliates provide tax, legal or accounting advice. Please consult your own tax, legal or accounting professional regarding your particular situation.

**You can access the cash value in your policy, generally tax free, via partial surrenders and policy loans. Policy loans accrue interest at the current rate and reduce the death benefit and policies cash value by the amount of the outstanding loan plus interest or the amount of the partial surrender.

***Securities offered through NYLIFE Securities LLC (member FINRA/SIPC)

****Asset allocation and diversification do not guarantee a profit or protect against investment loss, but are intended to help manage your goals and risk tolerance.  They are methods used to help manage investment risk.

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