Services

Custom Financial Plans Built for Your Life

Confidence. Clarity. Guidance at Every Stage.

At Carlozzi Financial Services, we don’t believe in one-size-fits-all financial plans—or one-time checklists. Real planning evolves as your life does. That’s why we offer a collaborative process designed to help you align your money with your goals—whether you're building wealth, transitioning careers, preparing for retirement, or managing your business.

We use powerful tools like MoneyGuide to craft personalized strategies, backed by ongoing advice and a fiduciary promise to put your best interest first—always.
 

What You Can Expect From Our Process

Our financial planning process is designed to simplify your decisions and provide structure to your financial future:

Fiduciary First. Relationship Driven.

As fiduciaries, we sit on the same side of the table as you—offering advice that’s conflict-free, transparent, and in service of your long-term success. We don’t sell products. We build trust, clarity, and plans that grow with you.

Ready to Create a Plan That Supports Your Life?

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It’s been said that you reap what you sow. And when it comes to enjoying your investments, truer words have never been spoken. Even if you don’t have thousands of dollars to invest, simply taking the time to choose where to park your money can be rewarding.

Through developing a personalized investment strategy, diversification, and avoiding short-term distractions, we aim to help create and preserve your wealth so you reach your financial goals.

Our Investment Planning Process

• Create a point-in-time snapshot: We analyze where you are in terms of your current portfolio. In some cases, we can provide immediate actionable steps that benefit you.
• Develop an investment strategy: From your snapshot, we will draw-up personalized investment strategies that will help you reach your financial objectives. This may be accomplished by building upon your existing portfolio or proposing a set of tax-efficient investments that are aligned with your personal financial goals.
• Implement your plan: Our dynamic approach to investment planning evolves with your changing circumstances. We’ll guide and advise you on investment plan transitions as you go through life and lifestyle changes.
• Consult, and counsel: Ours is an ongoing partnership. Throughout our relationship with you, we’ll review your investments, keep you informed, and communicate constantly with you about proposed changes and potential risks or opportunities for your investments.

Contact us today to learn more about investment management.

Everything you do, from pursuing your education and managing your career, is driven by the desire to create a better life for yourself and your loved ones. But in all your planning, have you remembered to plan for life after work?

Without a thoughtful retirement plan, all the effort you’ve invested in your working years could be put at risk, leaving you with more questions than answers. An unprepared retirement can bring unnecessary financial stress and uncertainty, instead of the freedom and rewarding experiences you deserve.

How We Can Help

Retirement planning shouldn’t start at retirement; it should start well before. We take a long-term view of your financial well-being to help create a life after work that is as well-planned as your life while working.

• Understand your goals: Through an intensely personalized approach, we discover what your retirement goals are. Whether it’s travel, a new hobby, or spending more time with the people you love, we’ll help you strive for your ideal retirement.
• Analyze your current position: To plan a meaningful retirement, you need to know where you currently stand. We’ll help you build an in-depth financial inventory to use as part of our retirement planning process.
• Develop your plan: We’ll work with you to create a retirement plan that aims to address them. When we’re done, you’ll not only have a better understanding of your investments, and what you need to fund your retirement lifestyle, you’ll also be better equipped to handle any shortfalls.
• Implement your plan: As you move closer to retirement, we’ll work with you to ensure the plans are implemented in a phased and orderly manner. The goal of our retirement planning approach is to make your transition to retirement as seamless and stress-free as possible.
• Support you in pension and benefit decisions: We’ll be here if you need advice on Government or Employer pension and benefits: when to apply, how to apply, what to do with your funds, and much more.
• Partner with you in retirement and beyond: A long and fulfilling retirement takes multiple facets of your financial picture into consideration: health care, long-term care, insurance, legacy planning, and charitable giving. Our financial professionals will be here for you when you need advice in any of these areas.
• Provide ongoing reviews: We’ll continue to review your retirement plans, and consult with you about any changes or updates needed to address your evolving retirement lifestyle needs.

Contact us today to learn more about retirement planning.

Maximizing the Power of Your Self-Directed Brokerage Account

Take Control of Your Retirement Future with Expert Guidance

If your employer-sponsored 401(k) or 403(b) plan includes a Self-Directed Brokerage Account (SDBA), you may have access to a much wider range of investment options—beyond the limited fund lineup offered in the core plan.

At Carlozzi Financial Services, we help you navigate and maximize the opportunities an SDBA offers—through personalized portfolio construction, risk alignment, and ongoing strategic advice.

What is an SDBA?

An SDBA is a feature inside many retirement plans that allows participants to invest in individual stocks, ETFs, mutual funds, and other securities not found in the standard menu.

More choice

More flexibility

More control over your retirement strategy

But with that freedom comes the need for smart decision-making—and that’s where we come in.

Who We Work With

Executives and professionals with large 401(k)/403(b) balances seeking personalized investment strategies

Participants in plans with SDBA options at providers like Fidelity BrokerageLink, TIAA, and many more.

Clients who want hands-on support from a fiduciary advisor—not a call center

Why Work With Carlozzi Financial?

If there’s one thing certain about life – it’s the uncertainty that living it brings. The best laid plans can sometimes come to naught! Even though you may think you’ve covered all the bases, life sometimes has a funny way of throwing you a curveball when you least expect it. Luckily, while you can strive your best to plan wisely and thoroughly, you can also hedge your bets against the unintended through prudent Insurance Planning.

Why Insurance Planning Is Important

Without proper planning, be it Investment Planning, Retirement Planning, or Estate Planning, you’ll likely not invest successfully, retire comfortably, or leave a meaningful legacy for your beneficiaries. And without a well-thought-out Insurance Plan, every one of those facets of a financial plan could be exposed to unforeseen risks.

Good planning helps you identify and plan for all the risks involved in every aspect of your financial life. Thoughtful Insurance Planning helps mitigate the risks you can’t foresee or those that you are unable to plan around!

What We Can Do for You

They say that some things are better to have BEFORE the need is felt – even if they are NEVER ever used. Insurance is one of those things. Rather than seeing insurance as an “expense”, most people experience it as peace of mind. That’s the essence of our Insurance Planning service.

Our Insurance Planning service covers:

• Comprehensive Review: We’ll review existing plans, if you have them, to ensure they continue to fit your needs. But if you don’t have an insurance plan, we’re here to advise and guide you on which plans make best sense for you and your family.
• Death-event security: If you have people that depend upon you being around for many years to come, like your spouse/partner, minor children, aged parents, we’ll advise on what life insurance policies best meet your needs.
• Retirement income through annuities: Sometimes, the best way to guarantee retirement income is the simplest – Annuities. Of course, these products vary in terms and pay-out options and conditions. Our experts will help make sense of it all!
• Critical illness protection: You may be in the best of health now, but illness has a way of sneaking up on the fittest amongst us. Let us help you determine if you need to insure against a critical illness and, if so, under what terms.
• Disability and long-term care protection: Accidents, at home, at work, during your commute, can leave you severely disabled and financially stressed. As can debilitating illness! We’ll help you insure against such unexpected turn of events.
• Funding children’s education: Even though your children are of tender age, sometimes insuring their lives may make good sense in the long-term, especially in helping to pay for college or university. Paying just a few hundred dollars a month in premiums now, could result in a windfall payment by the time your child is of college or university-going age. We’ll help you decide if this is a good option for you by doing the math!
• Insuring estate and succession plans: When structured correctly, insurance can be a great estate planning tool as well, especially when it comes to shielding your beneficiaries from paying taxes or fees on their inheritance. Partners in business may also use insurance policies as a great financial tool to aid in succession planning. We’ll help you structure an insurance plan that makes sense for your needs.

Contact us today to learn more about insurance and risk management .

*The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

If you wish to leave behind a meaningful legacy, be it for loved ones or a charitable institution, you need to put a well-thought-out estate plan in place. Without an established plan, the fate of your estate could be determined by the government, lawyers, or people that don’t have your interests and best wishes in mind.

Having an estate plan is paramount in ensuring your estate is handled according to your wishes. Together with your estate planning attorney, we can assist in drafting documents and reviewing your situation so your estate benefits the people and charities you care about most.

What We Can Do For You

• Designating beneficiaries: If you don’t choose beneficiaries for your assets carefully, your estate assets might end up in the hands of individuals that you never intended should benefit from them. A well-thought-out estate plan ensures the needs of your dependents are taken care of.
• Minimizing estate taxes and probate fees: Taxes, fees, and other levies have the potential to erode a large part of your estate before your beneficiaries see a cent. Careful planning can reduce the impact taxes and fees may have.
• Estate protection: Even after you pass, many of your assets – such as long-term investments and property – will likely need protection and management until they are disposed of and their proceeds are distributed to your beneficiaries. In the absence of an estate plan, your assets will likely not receive the type and level of protection those assets require.
• Distribute your legacy: Our professionals can support you in synchronizing your estate plans and your will, so your assets are distributed in line with your final wishes. We can help with a beneficiary review to make sure your beneficiaries are up to date.

Contact us today to learn more about estate & legacy planning.

You and your family (partner, spouse) work hard to accumulate assets over a lifetime. The hope is that, when the time comes for you to leverage those assets, they’ll be there for you to benefit from. Asset Management service is all about helping you manage YOUR financial assets using a prudent and conscientious approach.

Why Asset Management Is Important

Individuals and families depend on the assets they accumulate over the years, being able to sustain them later in life – in retirement or in the event of an unforeseen need. However, not everyone has the time to monitor and manage those assets. And even if you have the time, you might not have the skills and patience to do so. In not managing your assets diligently over your accumulation phase, you could leave them exposed to erosion, destruction or depletion. The result: You might not have those assets (or a significant portion of them) in times of need.

What We Can Do for You

• Determining your objectives: Not everyone has the same, or similar, financial objectives as they embark upon accumulating their wealth. To manage your assets prudently, we first need to understand what your goals are for initially accumulating and subsequently using those assets.
• Help you choose your optimal asset mix: There are hundreds of asset-types that you can invest in, and as many ways to do so! Depending on your goals for asset use, we’ll help you choose the right asset mix that will most efficiently/effectively accomplish those goals.
• Help you create a strategic asset allocation plan (SAAP) and tactical asset allocation plan (TAAP): Successful investing is all about successful planning. We’ll help create both long-term (strategic) and short-term (tactical) asset allocation and management plans in line with the recommended asset mix.
• Building your portfolio: Today, thanks to DIY-investing, anyone can create a discount brokerage account and start buying assets and including them in a portfolio. However, that’s not the most efficient or effective way to create long-term wealth. Using the allocation mix agreed upon, we’ll build a results-focused portfolio of individual investments (Stocks, Bonds, Mutual Funds, ETFs, Alternate investments) that will help get you to your financial objectives.
• Managing and monitoring the portfolio: Unless you have the time and patience to dedicate to portfolio management, it can’t be done effectively. We know you have other things to do – such as living your life, so we’ll watch over the portfolio for you, making sure it never strays from delivering the objectives you desire.
• Measuring performance: We track the performance of your assets under our care, and constantly measure how they are performing against industry-recognized benchmarks.
• Managing risk: Our Asset Management strategy includes appropriate risk mitigation as part of this service. Where there are new risks to the portfolio, we’ll consult with you and propose timely and appropriate actions to manage and mitigate them.
• Reviewing, reporting, recommending changes and revisions to the strategy: Our Asset Management service is based on constant and open communication and collaboration with our clients. Through regularly scheduled reporting and conversations, we ensure that your asset management plans are continually reviewed, revised, and updated to meet your changing circumstances.

Contact us today to learn more about asset management.