OUR APPROACH

The D'Orazio & Associates, Inc. approach to financial planning is a multiple step process which actively involves the client. We analyze, disassemble and reassemble the client's financial affairs. Our financial services are customized to meet the client's needs.

Our Services

 

Financial Goal Planning

Creating customized and elaborate projections with objectives,
saving needs and current financial position; assistance with account establishment and evaluating savings avenues; contribution recommendations with monitoring; and assistance maximizing employee benefits


Risk management

Conducting needs analysis for life, disability, long term care, auto, homeowners, and umbrella insurances; assistance utilizing Health Savings Accounts (HSA) and/or Flexible Savings Accounts (FSA); and offering employee benefits package review


Education planning

Offering account funding options and recommendations; expense and savings projections to reach goals; and allocation recommendations



Investment Management

Crafting personalized allocation and asset selection based on risk
tolerance, objectives, taxes, time horizon, current regulations and any other unique circumstances; implementing recommendations; rebalancing recommendations; and employer-sponsored plan asset allocation assistance


Cash management

The startup and small business marketplace is still a new and fierce frontier that requires legal advice from attorneys who are deeply entrenched in the particularities of venture financing. Our firm gives you an holistic approach, so your company can get the best competitive advantage.


Real Estate planning

Assistance with proper timing for sales and purchases; financing and
refinancing options; mortgage and Home Equity Line of Credit (HELOC) options; analyzing income tax consequences; and providing relocation tax advice



Income tax planning

Preparing income tax projections; capital gain treatment and tax loss
harvesting; abating income tax penalties; tax consequences in regard to rental income treatment, business owner income, and education funding benefits; and exploring tax credit possibilities


Estate planning

Optimizing wealth transfers to heirs and/or charities; limiting estate tax
liabilities; trust funding assistance; educating on types of estate documents with selection recommendations; estate administration assistance; and providing options for probate avoidance


Small business planning

Assistance in determining the legal structure to choose for the
business; educating on qualified plan options and other fringe benefits; educating on the assumption of risk; and succession plan assistance