Welcome to Orazio Financial Services!
Our site has been updated to enhance your experience with our firm. On our site, you can:
We are very proud to announce a new affiliation that will continue to support our firm in our efforts to provide you with best in class products and services.
As you may know, advisors like us are required to affiliate with a broker/dealer. Since 2004, that affiliation was with National Planning Corporation (NPC). We had a successful relationship with them as they assisted us with the wealth management of our client’s accounts. Unfortunately, they decided to sell their broker/dealer network to another broker/dealer, LPL Financial (announced 8/15/17). After that announcement, we began a significant review in the independent broker/dealer community, including LPL, to find an affiliation that would best fulfill the needs of our clients and allow us to provide the high level of products and services you have become accustomed to. After careful due diligence, we have selected Commonwealth Financial Network®, the nation’s largest privately held broker/dealer to be our partner.
There are many reasons we selected Commonwealth, but chief among them are:
- The firm is committed to independence and highly personalized service, a philosophy that matches the spirit of our organization since 1991.
- They are privately owned which means their focus is on their advisors and their clients, not shareholders as in publicly owned broker/dealers, such as LPL.
- The firm has a history of sound business practices and a reputation for integrity that we believe represents the best of our industry.
- Their technology is state of the art, providing new services to you such as access to your accounts on your mobile devices and the ability to sign documents electronically. For OFS, we now have access to research from prominent investment firms and managers and a suite of tools to enhance our wealth management of your accounts.
During this transition, expect no change in your personal relationship with us or the level of service we provide. Your relationship is important to us and we will continue to serve you as we have in the past. This transition, however, will require new paperwork to affiliate your account with our new broker/dealer. Please let us know if you can come in to sign the paperwork to transfer your accounts to Commonwealth, otherwise if not, expect to receive the necessary paperwork in a UPS envelope in the mail in the coming days with a pre-paid envelope back to us for processing. Transition related charges, if any, from NPC will be reimbursed to your account after it has been received at Commonwealth.
New Trends Redefine Travel
The latest trends in travel reflect a rich menu of exciting new possibilities.
Budget Check Up: Tax Time Is the Right Time
Tax preparation may be the perfect time to give the household budget a check-up.
Protecting Your Home Against Flood Loss
Protect yourself against the damage that your homeowners policy doesn’t cover.
Even low inflation rates over an extended period of time can impact your finances in retirement.
Variable Universal Life is permanent insurance in which the policyholder directs how premiums are invested.
International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.
Individuals have three basic choices with the 401(k) account they accrued at a previous employer.
Knowing the rules may help you decide when to start benefits.
What’s the deal with your yearly free credit report?
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.
This calculator demonstrates the power of compound interest.
This calculator will help determine whether you should invest funds or pay down debt.
Estimate how much you have the potential to earn during your working years.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
The importance of life insurance, how it works, and how much coverage you need.
Learn more about taxes, tax-favored investing, and tax strategies.
Using smart management to get more of what you want and free up assets to invest.
There are some key concepts to understand when investing for retirement
How federal estate taxes work, plus estate management documents and tactics.
The chances of needing long-term care, its cost, and strategies for covering that cost.
How do the markets usually react to elections? Was the 2016 election any different?
Smart investors take the time to separate emotion from fact.
Even low inflation rates can pose a threat to investment returns.
When do you need a will? The answer is easy: Right Now.
Would you guess that Millennials are effectively saving for retirement? Well, they are.
If your family relies on your income, it’s critical to know what their needs would be in the event of your death.