Financial Advising Services

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Fiscal Checkup

We provide thorough and unbiased reviews of:

  • Investment Portfolios
  • Insurance Policies; Coverage Levels, Premium Payments, and Carrier Ratings
  • Annuities; Accumulation Benefits, Income Guarantees, and Estate Impact
  • 401k/403b Plans; Investment Guidance With Your “Big Picture” in Mind
  • Account Beneficiaries (Who Gets What and When If You Pass Away?)

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

Annuities are long-term investments suitable for retirement funding and are subject to market fluctuations and investment risk, including the possibility of a loss of principal. Annuities generally contain fees that include but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, charges for optional benefits and riders, and annual contract fees. Annuity guarantees, including guarantees associated with benefit riders, are subject to the claims-paying ability of the insurance company. Surrender charges may apply if money is withdrawn before the end of the contract. All withdrawals of tax-deferred earnings are subject to current income tax, and, if made before age 59½, may also be subject to a 10% federal income tax penalty. Additionally, if purchased within a qualified plan, an annuity will provide no further tax deferral features. The contract, when redeemed, may be worth more or less than the total amount invested. All other benefits are available for an additional cost. It is important to weigh the costs against the benefits when adding such options to an annuity contract.

Neither LPL nor its representatives provide tax or legal advice. Please consult with your tax or legal professional.

To make sure your finances can survive the unpredictable future, we also offer:

  • Life Insurance*
  • Long-Term Care Insurance*
  • Insured Retirement Solutions*

Do you own a business? If so, ask us about:

  • Retirement Plan Establishment or Improvement*
  • Tax-Efficient Executive Compensation Strategies
  • Key-Person Protection
Whatever your needs may be, our services always include:
  • Strategies Customized for YOU
  • Complete Transparency Regarding Fees or Expenses
  • Seamless Collaboration With Your Tax Professional to Optimize After-Tax Returns
  • Ongoing Consultation and Oversight

Set Up a Consultation

We can assist with any aspect of your financial life. Please call to set up a complimentary, no-obligation consultation.

Contact Us

Registered Representatives

*Timothy J. Giacoletti

Timothy Giacoletti is a registered representative with the following registrations [7,66] and can transact business with clients in Arizona, California, Colorado, Michigan, Oregon, and Oklahoma. Timothy Giacoletti is also an investment adviser agent licensed in the following states: Arizona, and California.

*Paul Simpson

Paul Simpson is a registered assistant with the following registrations [7, 63].

*If you are not a resident of the states noted above, all investment-related information on this site is for informational purposes only and does not constitute a solicitation or offer to sell securities or investment advisory services over the internet.

Securities and Advisory services are offered through LPL Financial, a registered investment advisor.

Investments & Insurance Products: Are not insured by the FDIC or any federal government agency I Are not deposited of or guaranteed by the bank or any bank affiliate I May lose value.

G&A CPAs AND FINANCIAL CONSULTANTS INC is not a registered broker/dealer or independent investment advisory firm.

G&A CPAs AND FINANCIAL CONSULTANTS INC is not affiliated with LPL Financial.

Check the background of this investment professional on FINRA’s BrokerCheck.