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Our Process

Many of us have financial, legal, and insurance professionals in our lives. These advisors provide advice and guidance in their specific areas of expertise but often do not account for the effect it may have on other areas of a person’s life including their financial world. Our strategic process has been designed to identify the challenges in someone’s life, help identify various solutions, and provide a plan that can help them reach their destinations as quickly and safely as possible, no matter the goal.

1. Protection

Protection in your financial life acts much like the roof on someone’s home. A roof is not an item we spend a lot of time enjoying on a daily basis, but it is what protects everything we care about below. Full protection is critical for guarding against unforeseen events that can strike at any time and affect your financial future. Just as we protect our homes and vehicles for full replacement values, we need to consider protecting our most valuable assets such as our income and life. Further, while insurance protection is crucial for a successful plan to help weather unforeseen events, individuals, businesses and families need legal documents as well to have a more protected plan.

2. Savings

The single most fundamental key to any wealth accumulation and protection plan typically boils down to nothing more than managing cash flow and savings rates. To prepare for life’s events, it is important to build wealth inside of flexible assets that can be used for “life” instead of one sole purpose such as “retirement” or “college.” Learning how to save in a systematic manner will be the key to consistently building wealth.

3. Debt

Debt plays a unique roll in your life and you must understand how to properly manage good debt and bad debt. Good debt provides tax deductions, has low interest and the opportunity for a long repayment schedule. Bad Debt has high interest, short repayment terms and is not tax deductible.

4. Wealth Accumulation

Building wealth is not just about creating an account with a large balance. It is about accumulating wealth in a manner which provides flexibility, control and efficiency. To achieve this, assets should be used in a coordinated fashion to help obtain the maximum growth, tax efficiency and minimize costs. During these meetings we will review how different types of assets perform under a variety of different circumstances.

5. Wealth Distribution

You need to access wealth during your life for a variety of reasons, including first-time home purchases, college, weddings, business opportunities, and ultimately retirement. Creating a plan that can help you maximize retirement income while simultaneously protecting your wealth from interest rate risk, tax risk, and longevity risk is crucial. We do not know what interest rates, taxes, and other variables will be a decade or several decades from today. Creating a plan that is less affected by these outside forces will help lead to a plan that is less vulnerable to risk.

6. Legacies Strategies

Leaving a legacy for loved ones or personal causes fills the need or desire to be remembered. Leaving a legacy is much more than simply financial. For those who have young children, proper legacy planning and the protection of human capital is extremely important should there be a premature death. As life progresses, leaving a legacy to heirs or charities can be done in many unique ways. There are multiple legacy strategies that may apply, and we educate those who believe it’s important to do so.

1. Protection

Protection in your financial life acts much like the roof on someone’s home. A roof is not an item we spend a lot of time enjoying on a daily basis, but it is what protects everything we care about below. Full protection is critical for guarding against unforeseen events that can strike at any time and affect your financial future. Just as we protect our homes and vehicles for full replacement values, we need to consider protecting our most valuable assets such as our income and life. Further, while insurance protection is crucial for a successful plan to help weather unforeseen events, individuals, businesses and families need legal documents as well to have a more protected plan.

2. Savings

The single most fundamental key to any wealth accumulation and protection plan typically boils down to nothing more than managing cash flow and savings rates. To prepare for life’s events, it is important to build wealth inside of flexible assets that can be used for “life” instead of one sole purpose such as “retirement” or “college.” Learning how to save in a systematic manner will be the key to consistently building wealth.

3. Debt

Debt plays a unique roll in your life and you must understand how to properly manage good debt and bad debt. Good debt provides tax deductions, has low interest and the opportunity for a long repayment schedule. Bad Debt has high interest, short repayment terms and is not tax deductible.

4. Wealth Accumulation

Building wealth is not just about creating an account with a large balance. It is about accumulating wealth in a manner which provides flexibility, control and efficiency. To achieve this, assets should be used in a coordinated fashion to help obtain the maximum growth, tax efficiency and minimize costs. During these meetings we will review how different types of assets perform under a variety of different circumstances.

5. Wealth Distribution

You need to access wealth during your life for a variety of reasons, including first-time home purchases, college, weddings, business opportunities, and ultimately retirement. Creating a plan that can help you maximize retirement income while simultaneously protecting your wealth from interest rate risk, tax risk, and longevity risk is crucial. We do not know what interest rates, taxes and other variables will be a decade or several decades from today. Creating a plan that is less affected by these outside forces will help lead to a plan that is less vulnerable to risk.

6. Legacies Strategies

Leaving a legacy for loved ones or personal causes fills the need or desire to be remembered. Leaving a legacy is much more than simply financial. For those who have young children, proper legacy planning and the protection of human capital is extremely important should there be a premature death. As life progresses, leaving a legacy to heirs or charities can be done in many unique ways. There are multiple legacy strategies that may apply, and we educate those who believe it’s important to do so.

Our Values

Client Focus

Our client-focused approach helps us to meet all obligations in a timely manner with the highest level of care and attention to build the mutual respect necessary for a long-term alliance.

Integrity

As we recognize that trust and partnership are two cornerstones to any successful relationship, we strive to ensure that our values and client expectations of us continue to remain aligned.

Transparency

We keep transparency at the forefront of every client interaction. Our goal is to be an educational resource, providing timely information and relevant industry updates to keep clients abreast of developments related to their financial worlds.

Get to know the team

Michael McSweeney-Financial Advisor-Certified Financial Services

Michael McSweeney
Financial Advisor

Mike entered the financial services industry in 2011 after graduating from Castleton University where he earned a BSBA in Management and Marketing. Mike is a Registered Representative and Financial Advisor with Park Avenue Securities and a Financial Representative with Guardian. He also represents other reputable companies.

Mike, his wife, Ashley, and their 3 children reside in Warwick, NY. They spend winters in Vermont snowboarding and summers traveling throughout the country.

Michael McSweeney-Financial Advisor-Certified Financial Services

Michael McSweeney
Financial Advisor

Mike entered the financial services industry in 2011 after graduating from Castleton University where he earned a BSBA in Management and Marketing. Mike is a Registered Representative and Financial Advisor with Park Avenue Securities and a Financial Representative with Guardian. He also represents other reputable companies.

Mike, his wife, Ashley, and their 3 children reside in Warwick, NY. They spend winters in Vermont snowboarding and summers traveling throughout the country.

William Roerden, Financial Advisor

Will Roerden

Financial Advisor

Robert Lax Financial Representative

ROBERT LAX

Business
Development

Justin Miller Certified Financial Services

Justin Miller

Junior Associate

Pamela Guy, Executive Assistant, Certified Financial Services

Pamela Guy

Executive Assistant

Don Sullivan, Financial Advisor

Don Sullivan

Director of Wealth Management

Danny Price Financial Advisor and Investment Specialist

Danny Price

Investment Specialist

Michael McSweeney, William Roerden, Danny Price, and Don Sullivan are Registered Representatives & Investment Advisors of Park Avenue Securities. Michael McSweeney, William Roerden, Robert Lax, and Justin Miller are Financial Representatives of Guardian.

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