Iammarino, Nicholas J.

The adviser provides financial planning and consulting to individuals, high‑net‑worth clients, charitable organizations and pension/profit‑sharing plans, covering estate planning, tax issues, insurance, buy/lease analysis, business matters and family considerations. The brochure states the adviser does not manage client assets and focuses on planning engagements rather than discretionary portfolio management.

The firm’s planning process begins with a financial inventory, moves through goal setting and analysis of liabilities, cash flow and net worth, and includes periodic reviews (at least annually or on client request). When making investment recommendations the adviser uses both fundamental and technical analysis and may recommend mutual funds, ETFs, variable annuities, municipal and corporate debt, options, futures and private placements, while noting it does not engage in frequent trading or take custody of client assets.

A distinctive feature is that the firm charges hourly or fixed planning fees rather than percentage‑of‑assets fees and reports no assets under management, which the brochure highlights as its primary business model. The brochure also discloses that associated persons are registered representatives and insurance agents affiliated with LPL Financial and may receive commissions or trail compensation for product sales, and that the firm commonly refers implementation and investment management to LPL while advising clients they are under no obligation to follow affiliated recommendations.