Our Services At Aquino Financial Group, LLC, we provide expert assistance in the following areas: Investments Bonds Common Stock Educational IRA Brokerage Accounts Traditional IRA Roth IRA SEP IRA Simple IRA Treasury Bills Government Securities Treasury Notes Variable Annuities Financial Planning Retirement Plans Tax Plans 401k Planning 403b Planning College Plans Estate Plans Money Management Money Purchasing Plans Profit Sharing Plans Insurance Disability Income Insurance Life Insurance Long Term Care Insurance Managed investments The advisors at Aquino Financial Group, LLC will work with you to customize an investment management solution that ensures you have the opportunity to achieve your unique and important goals. Asset Management is a collaborative process between advisor and client that provides solutions to needs including retirement planning, college education, wealth transfer and risk management. Principal Protection We can provide investors with the opportunity to protect their retirement income and/or principal invested during times of market loss. Alternative Investments We give our clients access to a range of historically non-correlated and non-traditional investments. These alternative investments can help both the risk/return profile and the performance consistency of the client’s overall portfolio. Life insurance While many Americans recognize that it is important to protect loved ones with life insurance, far too many lack adequate coverage. We can help determine your life insurance needs and find the most appropriate, cost effective coverage. Long term care insurance Approximately 40 percent of Americans age 65 or older will need long-term care at some point during their lives. If you want to retain your independence, protect your assets, and maintain your standard of living while assuring access to a wide-range of care options, you may want to purchase long term care insurance. We can help you find the right policy that fits your needs and your budget. Financial plan Financial planning is a process that can help you reach your goals by evaluating your whole financial picture, then outlining strategies that are tailored to your individual needs and available resources. A comprehensive financial plan serves as a framework for organizing the pieces of your financial picture. With a financial plan in place, you’ll be better able to focus on your goals and understand what it will take to reach them. Group benefits In today’s competitive job market, an attractive employee benefit package can be a useful tool to help you recruit new employees and retain those that are crucial to your company’s success. In addition, the tax benefits you can receive by offering your employees benefits are twofold: First, the costs of providing employee benefits are sometimes tax deductible as a trade or business expense. Secondly, the value of the benefits that you provide to your employees may be excludable from your employees’ gross income, reducing your taxable payroll. A reduction in your taxable payroll decreases your matching payments of Social Security and Medicare taxes, as well as unemployment taxes. We can help you find the appropriate package of cost-efficient benefits for your employees and company.