What can I expect the first time we talk?
On this initial call, we are introducing ourselves to each other and the intent is to have a stress-free conversation regarding your financial situation and goals.
We will share with you our philosophy and what our process looks like. Naturally, you may have some questions, perhaps relating to your retirement goals, or to better understand what it would be like working with us.
At the end of the call, we can discuss what the appropriate next steps would be. Overall, the call usually lasts somewhere between 15-30 minutes.
What would be the next step after the first call?
We would want to obtain some financial numbers from you. When it comes to retiring, it is a combination of how much money you have saved up and how much income you would like to have in retirement. Often times we will build an Envision® plan, which takes in thousands of different scenario's to give you a better understanding of how ready you are for retirement.
What type of clients do you have?
The majority of our clients are either in or near retirement. By having our clients in a similar phase in life, it allows us to apply strategic focus. Other teams may be focused in a wide range of areas, which may cause them to be spread thin. I was one of the earliest advisors to focus in the retirement area, having started a Retirement Planning Group with Smith Barney in the early 1990’s.
What services do you provide?
Under the services tab in the menu, you will find some of the services that we provide. If what you are looking for is not on there, feel free to reach out and we can let you know if it is something we can help you with.
What does it mean to have a fiduciary duty?
Fiduciary duty represents the highest degree of trust and confidence that the investment advisor will act in your best interest. Investment Advisors are governed by the Investment Advisers Act of 1940 and applicable state securities laws, which govern conduct and disclosure requirements, creating a high legal standard referred to as “fiduciary” duty.
Your investment advisor has the duty to:
- Make full and fair disclosure of all material facts, particularly where the advisor’s interests may conflict with the client’s
- Have a reasonable, independent basis for their investment advice
- Obtain best execution for clients’ securities transactions where the advisor is in a position to direct brokerage transactions
- Ensure that investment advice is appropriate to the client’s objectives, needs and circumstances
- Refrain from effecting personal securities transactions inconsistent with client’s interests
- Be loyal to clients
How are you compensated for your services?
We typically charge a flat, annual fee, paid quarterly, based on the amount of your assets we have under management.
I noticed that you are a PIM Portfolio Manager, what does that mean?
As a PIM portfolio manager, I can offer a customized discretionary advisory portfolio management program geared toward your specific investment goals.
PIM provides you with flexibility in building and maintaining your portfolio by offering a diverse selection of investment choices. An all-inclusive fee – based on the size of the account – covers portfolio administration, commission costs and custody services.
As a PIM Financial Advisor, I have the necessary experience to provide you with high-quality professional advice aimed at determining and implementing the optimal allocation of assets for your financial objectives. As part of the PIM process, I continually monitor each portfolio’s performance and provide you with a frequent, detailed performance report.
What is your philosophy and approach with your clients?
Our philosophy is simple. Always have the client’s best interest in mind. In terms of our approach, we have an understanding that everyone is different in terms of how they want their relationship to be like with us. Our goal is to set up a communication cadence that makes you feel comfortable and always informed.
What is the significance of the photos on this website?
These photos are from a small, Italian speaking town in southern Switzerland, called Lavertezzo. Lavertezzo is a municipality in the district of Locarno in the canton of Ticino.
Our ancestors were goat and sheep herders from that region. We had the unique opportunity of visiting this beautiful place and learning about our heritage. The double arched stone bridge was built in the 17th century and is always a thrill to jump from the top into the crystal clear, bone chilling cold water.
Masciorini is a very rare last name, with only a few families in the United States that have it. In Lavertezzo, Masciorini’s are everywhere!
What areas do you typically serve?
We are registered and have clients in 20 states, but the majority are in the Southern California region. We have offices conveniently located in Carlsbad and Irvine, but often times we are meeting clients in different parts of Los Angeles, Orange County, and San Diego.
How do I get started?
There are a few ways that you can get started. We have two phone numbers and we also have a contact us form on this website. To reach us directly at the Irvine branch, call (949) 862-1233. To reach us at the Carlsbad branch, call (760) 930-7722.
Also feel free to connect with us on LinkedIn.