Broker Check

Individual & Business Needs Analysis


  • Estate tax analysis
  • Estate tax reduction and funding strategies
  • Wealth transfer and gifting strategies
  • Insurance planning and funding


  • Permanent Whole Life
  • Term Insurance
  • Universal / Variable Life
  • Disability Insurance
  • Long Term Care


  • IRA rollovers
  • Asset allocation strategies
  • Mutual fund selection and management
  • Investment manager search and selection


  • Marriage
  • Growing family
  • Divorce
  • Special needs
  • Retirement
  • Real estate investing*


  • Buy-Sell agreement analysis
  • Buy-Sell insurance planning and funding
  • Key person analysis and funding
  • Alternative succession and exit strategies


  • Benefits analysis
  • Carrier negotiations
  • Periodic client reviews
  • Implementation and communication
  • Support services


  • Supplemental executive bonus plans
  • Non-qualified deferred compensation programs
  • Incentive compensation programs
  • Supplemental life and disability insurance
  • Long term care insurance


  • 401(k) plan and profit sharing plan analysis and design
  • Compliance support*
  • Marketplace search and evaluation of plan providers
  • Participant communication and education meetings
  • Defined benefit plan analysis and design

*May involve other advisors

** Securities offered through Park Avenue Securities, LLC (PAS), Robert Fine and Associates 1101 Worcester Road Framingham, MA 01701, 508-820-9939. PAS is a registered investment advisor and broker/dealer. Liriano Wealth Advisory Group, LLC is not an affiliate or subsidiary of PAS or Guardian.

PAS is a member FINRA, SIPC.

Robert Fine and Associates is a general agency of The Guardian Life Insurance Company of America (Guardian), New York, NY

Guardian does not offer real estate serivces.

Guardian, its subsidiaries, agents or employees do not provide legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.

The Information on this site is intended for the residents of MA. The financial representatives of Liriano Wealth Advisory Group are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Eric Liriano at 617-969-2933.

***Guardian, its subsidiaries, agents or employees do not give tax or legal advice.