Broker Check

Perception vs. Reality The Power of Tax-Deferred Growth Choosing a Mortgage

Welcome to Orazio Financial Services!

Our site has been updated to enhance your experience with our firm. On our site, you can:

We have also included links to useful financial websites and calculators for auto loans, mortgages and college education costs. We hope you enjoy the new features…and our new look!

This year, 2016, marks the 25th anniversary of the founding of Orazio Financial Services (OFS). We are proud of the commitment we have made in providing the highest level of advice and personalized service to our clients. We work for you, not someone else. If you are an existing client, thank you for the trust you have placed in us to help you achieve your goals. If you are new to us, welcome to our family. We invite you to explore our new site and get to know us.

We are proud of the impact we have made on our client's lives and the community that has supported us over the past two decades. Here’s to another 25 years!

Sincerely,

Paul V. Orazio, CFP®

President and Co-Founder

 

Understanding the Basics of Medigap Policies

Important as it is, Medicare does not cover the full range of health-care expenses you may experience in your golden years.

Debt Stress

There’s a link between debt and stress.

Retiree Health Care Coverage Overseas

Retirees traveling abroad need to know that their health insurance travels with them.

Raising Healthy Children

Healthy habits are one of the greatest gifts to give your child.

Alternative Investments - Going Mainstream

Alternative investments are going mainstream for accredited investors. It’s critical to sort through the complexity.

Understanding Homeowner’s Insurance

Purchasing homeowners insurance is critical for protecting your home.

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Contributing to an IRA?

Determine if you are eligible to contribute to a traditional or Roth IRA.

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

Capital Gains Tax Estimator

Use this calculator to estimate your capital gains tax.

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5 Smart Investing Principles

Principles that can help create a portfolio designed to pursue investment goals.

Long-Term-Care Protection Strategies

The chances of needing long-term care, its cost, and strategies for covering that cost.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

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What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

Jane Bond: Infiltrating the Market

Agent Jane Bond is on the case, infiltrating the world of bonds.

The Rule of 72

Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.

Retiring the 4% Rule

A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.

Coaches

Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.

The Richest Man in Babylon

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

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