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.
Rightsizing for Retirement
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The Cycle of Investing
Understanding the cycle of investing may help you avoid easy pitfalls.
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How long does a $20 bill last?
For many, retirement includes contributing their time and talents to an organization in need.
The tax rules governing profits you realize from the sale of your home have changed in recent years.
Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.
Six overlooked tax deductions to help manage your tax bill.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Determine your potential long-term care needs and how long your current assets might last.
Use this calculator to better see the potential impact of compound interest on an asset.
This questionnaire will help determine your tolerance for investment risk.
This calculator can help you estimate how much you may need to save for retirement.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
The importance of life insurance, how it works, and how much coverage you need.
Using smart management to get more of what you want and free up assets to invest.
The chances of needing long-term care, its cost, and strategies for covering that cost.
A presentation about managing money: using it, saving it, and even getting credit.
Investment tools and strategies that can enable you to pursue your retirement goals.
How federal estate taxes work, plus estate management documents and tactics.
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How does your ideal retirement differ from reality, and what can we do to better align the two?
Agent Jane Bond is on the case, uncovering the mystery of bond laddering.
Around the country, attitudes about retirement are shifting.
Ever lost your wallet? Frustrating. Here’s what you can do to keep yourself safe.
Why are 401(k) plans, annuities, and IRAs so popular?