Qualifications

Financial planning is a partnership built on trust and integrity.  As an Independent Financial & Tax Advisor, Terence works with individuals, families and business owners to help them develop and implement strategic, long-term, financial plans that help them achieve their goals and objectives. By conducting his practice within the workings of a Wealth Management and Financial Planning framework he takes the mystery out of complex issues so that his clients fully understand all of their options.

Terence, your Personal CFO, has the ability to find practical solutions to a variety of complex cross-disciplinary problems by working closely with your Estate Attorney, CPA, and Trustee(s).  Whether it is insurance planning, wealth accumulation and preservation, retirement or leaving a legacy; he will find solutions for every person, family or situation that will be customized and highly personalized.

He offers a depth of knowledge, integrity, thoroughness, and a high level of personal service. He also has the rare skill of taking the complexity of an issue, and breaking it down into an understandable, digestible format; which is then presented in a way for clients to make informed decisions from, and solve their problem(s).

Having the right team in place is essential to providing outstanding client service; Therefore, Terence has built a strong team of professionals around him. As a Registered Representative and an Investment Advisor Representative of NFP Securities, Inc. and a Founding Partner of Fusion Advisor Network (a strategic alliance of NFP Securities, Inc.) which has over 240 Advisors who have over $8 Billion of Assets Under Management or Advisement as of 6/30/09. Terence brings to you some of the best advisors in the industry.  We are a group of Financial & Insurance Professionals that offer the best of both worlds- Personal Service and National Resources.

In addition to having a great team of professionals to draw from with endless resources, He then draws upon his 21 years of experience in the financial services industry. Terence started on Wall Street in 1988 as a Bond Broker; He then worked three years at Citibank as a Financial & Accounting Manager. For the last 15 years He has been working as a Financial Advisor for the betterment of his client’s needs and goals.  Terence also understands the impact of taxation on all financial decisions, and transactions, by tapping into his 20 years of experience from his Tax Practice which he has operated concurrently with his Financial Services career.

Terence’s BS in Corporate Finance from Syracuse University, his MBA in Investment Analysis from Binghamton University, along with his MS in Public Accounting from Long Island University- C.W. Post Campus give him the analytical skills and knowledge to properly conduct a thorough analysis of financial matters that will take all options into consideration. As an Accredited Investment Fiduciary® and a member of the Investment Management Consultant Association; Terence follows a strict Code of Ethics in his practice. Most importantly, he is an Independent Financial & Tax Advisor working with a leading national independent broker/dealer.  The clients objectives clearly come first, we offer no proprietary products. NFP has developed relationships with some of the leading manufacturers of financial solutions and products which Terence has full access to.

Terence builds long term client relationships and prides himself on giving outstanding client service. Most of his clients have been with him for over ten to fifteen years. He resides in Smithtown, NY for the last 40 plus years, and has strong roots in the Community. He is a strong believer that Knowledge is Power and is currently working on his third Masters Degree- which is in Taxation. This is very timely due to the large amount of anticipated changes to the current income Tax Laws over the next few years. Terence is also currently enrolled in the National Institute for Excellence in Professional Education, LLC’s Certified Specialist in Estate Planning® (CSEP) program.