Professional Financial Advice
With over 40 years of experience working to help you
pursue your dreams utilizing our financial expertise.
Retirement Income Planning and Protection
We help clients structure and plan for a long comfortable retirement.
Wealth Preservation & Accumulation
We design and manage investment portfolios tailored to the client’s goals and risk-tolerance.
Disability and Long Term Care Insurance
Our estate planning implements the use of life insurance and long term care insurance.
Retirement Plan Rollovers
We specialize in helping clients who have recently retired, switched employers, and with in-service withdrawals.
Expertise
For more than 40 years, Richard Parnigoni, CRPC, Senior Wealth Advisor, Managing Director of Par Financial as a Fiduciary has been helping individuals, families and small business owners to define and build comprehensive financial, estate and wealth management strategies.
Richard’s mission is to simplify your financial life by helping you structure your assets in the most tax-efficient way, build income that lasts throughout your retirement and distribute your estate to those most important to you, while minimizing estate expenses.
Frequently Asked Questions
What is a fiduciary?
A fiduciary is an individual or entity that has a legal and ethical obligation to act in the best interest of another party. This obligation typically arises when one party places trust, confidence, and reliance on the fiduciary to manage their assets or affairs. Fiduciary duties often include duties of loyalty, care, and utmost good faith. They are expected to prioritize the interests of the party they serve over their own interests and to avoid conflicts of interest.
How are financial advisors compensated?
Advisors are compensated in three potential ways, advisory fees, sales commissions, or a plan design charge. We align our fees, and commissions with our clients specific plan objectives, goals and time horizon. If you select one of our designed plans and we implement it for you, no additional plan charge is paid. No retainers are required.
What is a CRPC?
The chartered retirement planning counselor (CRPC) designation distinguishes financial advisors and other retirement professionals as experts in helping clients prepare for retirement. To become a CRPC, these individuals must meet several qualifications, undergo hours of training and take an examination.
"My goal is to help you maintain a comfortable lifestyle through retirement, preserve your investment principal while drawing income, and leave something behind for the ones you love."
- Richard Parnigoni
What Makes Us Great
Putting People First
Experience
We have the intellectual capital and subject matter expertise to help achieve your goals.
Strategic Guidance
We focus on enhancing the goals of our clients by bringing unencumbered advice, which enables us to freely create a plan centered on each client.
Client Service
Our clients value our ability to help them identify and pursue their financial goals. We pride ourselves on delivering quality service.
Discover How Richard Can Help You Pursue Your Financial Goals.
For a complimentary financial consultation, please submit your details and Richard will be in touch with you shortly or call (617) 977-4028