Richard A. Berardinelli, CLU

<body> <p align="justify">We're a small, intimate practice focused on getting to know our clients and their families very closely. Our basic financial services philosophy is centered around the guiding principle of planning for the worst case scenario. We believe too many people and advisors plan with rose-colored glasses. The problem is that these best case scenarios rarely unfold, leaving the retiree with very disappointing or catastrophic consequences. We believe the key to a successful retirement is to plan for the unexpected. This means making very conservative assumptions and avoiding unnecessary risks.</p> <p>This site uses frames and your browser doesn't support them.<br> Download a frames capable browser <a href= "http://mozilla.org/">here</a> and come back to visit us!</p> </body>