The Terrio Group

Financial Planning

One plan for everything you’ve built.

Most people end up with a 401(k) here, an IRA there, and a policy nobody has looked at in years. We pull it all into one plan and explain every part of it in plain English. We’re independent and fee-based, and we serve Stuart, Port St. Lucie, Jupiter, and the rest of the Treasure Coast.

Know who’s across the table.

Financial advice usually comes from one of two places: a stockbroker, or an investment adviser, who has a fiduciary duty to act in your best interest.

We’re held to that standard whenever we give you investment advice, and that advice is fee-based. Insurance works differently: on products such as annuities and life insurance, the insurance company pays us a commission. Ask how we’re paid on anything we recommend, and we’ll tell you. We’d rather teach you than sell you, and our Form CRS spells out how we’re paid and where conflicts of interest arise.

Structured enough to protect you. Flexible enough to bend.

Most people think a financial plan answers one question: how much will I have in 20 years? A real plan looks at everything going on in your financial life. What if someone gets sick, or passes away too soon? What if taxes change, markets rise or fall, or inflation runs hot? What if your kids or grandkids need help?

I once worked with grandparents who had a plan in place when their granddaughter was diagnosed with bone cancer. The plan had to keep taking care of them, and it had to be flexible enough for them to help their family while she fought for her life. That’s the kind of plan we build.

Start with a conversation.

The first meeting is complimentary, and you don’t need to bring anything. We spend it getting to know you, and you spend it deciding whether we’re a fit. Planning work is fee-based, and recommendations come later, once we understand you and your numbers.

What we look at.

A plan only works if someone is watching all of it. These are the areas we review with you, and revisit every time your life changes.

  • Income now and in retirement
  • Investments and how they are taxed
  • Insurance and what it protects
  • Your estate and how it passes on
  • Emergency reserves
  • Goals, written down and revisited

In your plan

How this fits the 8 Elements.

These are the elements this work draws on. Before we recommend a change here, we check how it affects the others.

  • Income Optimization
  • Emergency Builder
  • Asset Builder
  • Tax Planner
See all eight elements

Questions

Before you call.

  • It means advice on your investments is paid for with an advisory fee, not a commission. Fees vary by service and are described in our Form CRS and Form ADV. Insurance works differently: on products such as annuities and life insurance, the insurance company pays us a commission. That’s a conflict of interest, and we disclose it.

Related

Often planned together.

All services

Your next step

Waiting is a decision too.

Leave your income, taxes, and estate alone long enough and the defaults decide for you. Start with one conversation instead. It’s complimentary, and there’s no homework.

Book Your First ConversationCall 772-807-4628
  • Port St. Lucie
  • Stuart
  • Mon to Fri, 8:30 AM to 4:30 PM