What is the size of your firm and how many clients do you have?

We manage $135 million in assets through LPL Financial dealing with 350 client households.  Clients include individuals, businesses and owners, retirement plans, trusts, etc.
Over 50% of our business is professionally managed money, 25% general brokerage and the remaining 25% in other investment vehicles such as insurance and annuities.

What types of services do you offer?

Graziano Budny Wealth Management services include financial planning, client investment portfolio management, investment evaluations, client education and communication.  We believe the team approach at GBWMG helps to maximize a good experience along with an outcome for your long term investment plan.  Our experience in financial planning, retirement programs, asset allocation/portfolio review, estate analysis, college planning and other specialty planning situations allows us to assess your current financial needs and goals.  We will help you define your goals along with developing and monitoring your specific plan.

What is your investment philosophy?

GBWMG follows a disciplined investment management process that replicates the disciplined approach using the same management as large institutional investment and pension account.  Please see our Wealth Management Services for more information.

Do you have any Investment preferences of any kind?

Our association with LPL Financial the largest independent Broker/Dealer in America,* has allowed us the ability to offer any investments available to the public as long as it is suitable for the client’s investment objectives. See our complete list of investment preferences..

What is you investment minimum?

GBWMG’s minimum is $250,000 per household.

What distinguishes you from other financial firms and advisors?

• Over thirty years of investment management and expertise.
• A fee only independent and employee owned firm.
• We have survived many economic and world events that have caused turmoil in our financial environments.
• Experienced financial planning and investment professionals, assisted by a dedicated support staff, providing customized client care.
• A world of investment options, strategies and non-proprietary programs at our fingertips.
• Developing long-term relationships with families offering them suitable investment performance and service.
• Our true commitment to our clients and the highest professional standards that separate us from the day to day investment advisors.

How are you compensated?

All of our programs are fee based. Depending on your investment needs and portfolio values we have an investment package and service that can be fit to your investment objectives and suitability requirements. Our services eliminate the conflict of interest presented by most investment advisors since we have no proprietary products that we sponsor. GBWMG sits on the same side of the table as the investor and our goal is to pursue the most expedient and safe way possible for them to reach their investment objective and goals.

Appointments and Communications?

We encourage people to give us a two week notice to schedule an appointment. Any voicemail messages are usually returned within a 24 hour period unless it is a holiday weekend then calls are returned the next available business day.

Who are FINRA and SIPC?

FINRA stands for The Financial Industry Regulatory Authority. They are the largest regulator for all securities firms doing business in the United States. FINRA is involved in almost every aspect of the securities business. This includes everything from educating industry participants and the public to writing rules and enforcing those rules along with the federal securities laws. For more information please go to www.finra.org.

SIPC stands for Securities Investor Protection Corporation and is insurance for brokerage firms. SIPC account protection applies when a SIPC member firm fails financially and is unable to meet its obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments. SIPC provides account protection up to a maximum of $500,000 per customer, of which $100,000 may be in cash. For more information please go to www.sipc.org.

Additionally, through Lloyds of London, LPL Financial accounts have securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $750 million, subject to conditions and limitations. Balances invested in the Insured Cash Account are protected by Federal Deposit Insurance Corporation (FDIC) up to a maximum of $1 million for a single account holder, $2 million for a joint account.