About Us
Operating with a fiduciary standard of care to help you make informed decisions and find your path forward.
Our Story
Jeff Pangaro founded Pangaro Wealth Management with the vision of forming a solid practice of loyal and satisfied clients. Over the years, we have transformed that goal into a reality by doing one thing extremely well and with unparalleled dedication and commitment: connecting our clients' dreams with sound financial strategies. Combining disciplined investment strategies with a high-touch, personalized approach, our team collaborates to strategically craft custom plans designed to optimize your resources.
As independent advisors, we uphold the highest level of ethics and fiduciary care. We remain objective in our advice and only recommend investments or services that align with each client's specific needs. As a largely referral-based practice, we are proud of the strong relationships we have developed with clients that have inspired them to refer their loved ones to us. Wherever you may be in life, we can provide honest guidance and comprehensive strategies, working alongside you and your family for generations to come.
How We Are Different
At Pangaro Wealth Management, we seek to provide a truly unique experience that sets us apart from other wealth management firms. We believe our unique approach to working with clients delivers a few exceptional advantages that help our firm stand out from the rest:
Fiduciary Care
We adhere to a strict fiduciary standard of care and act solely in the best interests of our clients. We are committed to providing you with the best advice we can give without any conflicts of interest. We are required to act with undivided loyalty to you and provide complete transparency and disclosure when it comes to our compensation or investment approach. By working with a fiduciary, you can feel confident knowing that your investments are being managed objectively, and are proactively monitored to ensure your strategies are working efficiently and cost-effectively.
Fee-Based Model
Just as we don’t have sales quotas nor are we limited to proprietary products, we also aren’t motivated by commissions. Through a fee-based planning model, we can provide complete transparency regarding our fees and what we provide you. We have the flexibility and autonomy to choose from a broad range of investment products and services so we can craft a plan that fits you, not the other way around.
Independence
We are an independent Registered Investment Adviser (RIA), but what does this mean? Often, financial advisors work with a bank, brokerage firm, or other financial institution that manufactures and distributes its own proprietary products. The problem with this is that it leads to biases and conflicts of interest. An advisor can be incentivized to sell a certain product or may only have access to a limited range of products — akin to your doctor only being able to prescribe certain medications, even if there are others available on the market that are better suited for you. As an independent RIA, we can offer a wider range of services without any conflicts of interest, proprietary products to sell, or quotas to meet. While we have the resources, tools, and product access of a national firm — including unprecedented research and advanced planning software — we offer the focus and personalized service of a small practice.
Unbiased Education
Our experienced financial advisors provide every client the best wisdom and guidance possible. Even if you choose not to invest with us, we still provide education and guidance so clients can understand the importance of having a well-developed plan that incorporates their vision and goals.
Our Process
At Pangaro Wealth Management, we seek to provide a truly unique experience that sets us apart from other wealth management firms. We believe our unique approach to working with clients delivers a few exceptional advantages that help our firm stand out from the rest:
STEP 01
Discovery
Our primary goal is to understand clearly what you want to achieve and create a customized plan to get there. Before we can create your plan, we need to understand all elements of your financial picture. During this initial meeting, we take the time to learn about you and what you want to achieve. We’ll review what’s working and what isn’t with your current plan, if you have one, define your priorities, and address any questions or concerns you have.
STEP 02
Comparative Analysis
Once we understand your personal goals and where you currently stand, we use our proprietary analysis process and advanced research tools to develop an in-depth report that shows how your current strategies are working and identifies any gaps, as well as opportunities. This report provides a thorough overview of what you’re doing now and how you can adjust to pursue your short- and long-term objectives.
STEP 03
Initial Plan Proposal
After analyzing the data, we utilize one of the most comprehensive and detailed financial planning software programs to develop a high-level plan proposal, share the reasoning behind our recommendations, and answer any questions you may have. We listen to any concerns, answer questions, and provide a detailed breakdown of costs and ongoing fees before you decide how you’d like to move forward.
STEP 04
Implementing Your Plan
Once we agree on the recommendations to proceed with, we execute your financial plan, develop a timeline, and coordinate any necessary efforts with your other professionals, such as an accountant or attorney. Along with providing you a detailed formal plan document outlining your strategy, we also manage the entire process of moving your assets to our firm and consolidating any accounts.
STEP 05
Ongoing Support
We regularly monitor your financial plan and communicate with you throughout the year. Through proactive calls and meetings, we ensure we are up to date with any life changes you experience.
