Piccoli Financial Group
About
I have a Client Bill of Rights prominently displayed on my desk for each client to see. This spells out exactly what you will get service wise from Piccoli Financial Group.
This CBOR is available on my website at www.piccolifinancialgroup.com
I enjoy everything about what I do. I get to make a difference for people, and few professions allow that day in and day out
Highlights
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Frequently asked questions
What is your typical process for working with a new customer?
The first appointment is simply a fact finding appointment. We will both have the opportunity to ask questions and give answers, and that allows us to determione if both parties are comfortable going forward. I will not allow a client tp open any sort of account or do anything financially until the second appointment. I find this allows people to be more comfortable, because there is no fear of "buying anything".
What education and/or training do you have that relates to your work?
I have been a financial planner for the last eighteen years, but have been active in the financial world for almost forty. Under my father's direction, I began investing in the stock market at age 14, using the money I earned from mowing lawns and odd jobs. This was the beginning of my life long fascination with investing and economics.
I have FINRA licenses 7,63, 65, and 24
Do you have a standard pricing system for your services? If so, please share the details here.
I make every attempt to avoid recommending ANY product in which the client pays a commision to own it. While a lot of advisors advertise themselves as "fee based" only, I cant help but wonder what they do if the client wants to buy a life insurance policy-because those tend to pay a commision. I do not use mutual funds for this reason, as those are usually commision based investments.
How did you get started in this business?
Under my father's direction, I began investing in the stock market at age 14, using the money I earned from mowing lawns and odd jobs. This was the beginning of my life long fascination with investing and economics.
What types of customers have you worked with?
I have all sorts of clients, but my client based (like every advisor in Florida) is mainly retired or near retirement age people
Describe a recent event you are fond of.
There are too many to list. I find inspiration in people accomplishing something they have worked hard for-be it in athletics, entertainment, education or whatever
What advice would you give a customer looking to hire a pro in your area of expertise?
the most basic advice is to trust your instincts. The relationship with a financial advisor is one of the most important relationships you will have.
Insure they have the necessary licenses. The absolute minimum they should have is a FINRA Series 7 license. Having FINRA Series 63 and 65 are also good, as that is what fee only advisors need to have. If an "advisor" doesnt have these licenses, he is most likely a representative of an insurance agency and sells commision based products only.
What questions should customers think through before talking to pros about their needs?
1. What exactly are you trying to accomplish by using an advisor?
2. What service expectations should I have from a financial advisor?
3. Are you prepared to be completely honest with the advisor when answering his or her questions?