Individual & Business Needs Analysis ESTATE PLANNING***Estate tax analysisEstate tax reduction and funding strategiesWealth transfer and gifting strategiesInsurance planning and fundingINSURANCEPermanent Whole LifeTerm InsuranceUniversal / Variable LifeDisability InsuranceLong Term CareINVESTMENT SERVICES**IRA rolloversAsset allocation strategiesMutual fund selection and managementInvestment manager search and selectionLIFESTYLE CHANGESMarriageGrowing familyDivorceSpecial needsRetirementReal estate investing*BUSINESS SUCCESSION PLANNINGBuy-Sell agreement analysisBuy-Sell insurance planning and fundingKey person analysis and fundingAlternative succession and exit strategiesEMPLOYEE BENEFITSBenefits analysisCarrier negotiationsPeriodic client reviewsImplementation and communicationSupport servicesEXECUTIVE BENEFITSSupplemental executive bonus plansNon-qualified deferred compensation programsIncentive compensation programsSupplemental life and disability insuranceLong term care insuranceRETIREMENT PLANS401(k) plan and profit sharing plan analysis and designCompliance support*Marketplace search and evaluation of plan providersParticipant communication and education meetingsDefined 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, NYGuardian 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.