Wealth Management Services

Investment Management.                                                                                      Our Risk Managed Portfolio Program™ manages client assets in suitable portfolios designed to match their risk tolerance, liquidity,  income, and growth needs. Accounts are pro-actively managed throughout the market cycle in an attempt to manage risk, enhance income, and pursue higher returns. Besides managing all types of retirement accounts, we also professionally manage variable annuities, and 529 College Savings Plans.

Service Benefits:

• Invests you in a suitable professionally diversified portfolio
• Highly structured RESEARCH DRIVEN, not headline news, investment process
• Pro-active account supversion that seeks to provide competitive results 
• Possibly lower your cost of having your investments managed
• Potential goal achievement at less economic costs

Retirement Planning.                                                                                               We provide clients with ancillary retirement planning services that seek to reduce current and future income taxes as well as estate taxes. Our recommendations deal with critical areas of retirement planning: insurance, tax management,  retirement planning, and estate planning. Try our "Find Your Numbers To Retire Once" Report. This simple analysis tells you what you might need to save each month, how much you might have in your retirement fund at retirement, and how much monthly income you might get in retirement. Our retirement planning services can help you maximize the after tax income from your retirement accounts. Along with other independent financial professionals, together we help you accomplish your overall goals, not just investment goals 

Service Benefits:

• Help minimize all kinds of taxes: income, gift, small business, estate, etc.
• Replace uncertainties with guarantees...protect your lifestyle
• Help you devise and manage lifetime income strategies

Small Business Retirement Plans.                                                                          We help small businesses select an appropriate retirement plan and manage it.  We provide the plan, assist with implementation, and manage it. Plan selection helps maximizes owner retirement plan contributions and employees', while seeking to obtain the greatest tax reduction possible for you and your employees. In addition,we can  assist with Stock Option management, and Pension Payout options. Try our free plan analysis and plan investment options review. Learn how to reduce your administrative cost, improve plan features, and put a greater focus on account performance.

Service Benefits:

• Get a Business Tax Credit
• Reward Highly Compensated Employees and /or Owners
• Tax Shelter The Maximum Amount of Income Each Year
• Minimize Amount of Expense, Time Administering, and Supervising Assets.
• Educational 401-k workshops 
• 401-k Advisory Letter 

College Planning                                                                                                           Our services involve analysis of the cost of college for your children, recommendations on how to efficiently fund college tuition with the least amount of funds, and 529 Plan management.

Broad Services.                                                                                                            We work with talented independent professionals to execute financial planning strategies to deal with tax management, estate planning, and risk management.  Together, we have the breadth of services, and resources of a large firm. 

There is no guarantee that participation in the Aspetuck Financial Management's RMP - Risk Managed Portfolio Program will protect you against loss of investment or meeting your financial objectives. This is no guarantee financial planning services will accomplish stated objectives. Aspetuck Financial Management does not offer legal or accounting advice to our clients. However, we may from time to time, discuss or recommend financial strategies, products, and services which have tax implications, and under specific agreements with clients or because of our fiduciary role, assist with the preparation of tax returns. Clients are urged to consult with their own legal, accounting, and tax adviser with respect to specific situations. Past performance may not be indicative of future results.  A copy of our current written disclosure statement discussing our advisory services and fees is available for review upon request. Please see Investment Manager’s Record for past performance results. Past performance is no guarantee of future performance. See enclosed form ADV Part II, and Schedule F and RMP Brochure for more information before investing.Securities offered through TD Ameritrade  Inc, a registered broker-dealer – Member FICA/SIPC. Charles Schwab & Co., a registered broker-dealer – Member FINRA/SIPC. Advisory services offered through Aspetuck Financial Management, LLC, a Registered Investment Adviser