Mazzella Estate & Asset Management

As a Registered Investment Advisory firm, we operate as fiduciaries which requires us to know as much about your financial situation as possible to give proper advice and suggestions. Copies of any policies/contracts including annuities, life insurance, and any other type of insurance you would like to discuss.

An RIA acts as a fiduciary for their clients which is a higher standard of care than other financial advisors. An RIA must put client interests first and only make recommendations that are specific to the client and in their best interest.

All other financial advisors are only held to a suitability standard meaning if the recommendation is suitable to someone in your financial position it is ok even though in your specific situation it may not be the best answer.RIAs work on their client's behalf (not for the financial institutions) on a fee basis.

If you are wondering if you need Estate Planning, we should first define the term which means different things to different people. In our definition Estate Planning would encompass everything we own and what we want done for ourselves if we are incapable of doing it ourselves. Using that definition everyone needs some amount of Estate Planning.

Our process for Retirement Planning starts with taking inventory of four areas: Budget, Fixed Income, Portfolio Assets, and Legacy Assets in order to generate your Retirement Profile. This is simply estimating what to expect in retirement. To help clients we start with what their current budget is.

The biggest mistake people make with their investment portfolio is focusing solely on returns. Don't get us wrong returns are important, but they are not the only factor to be considered in managing your investment portfolio. You must also consider fees, quality of investments, diversification, and risk.