Your questions are a good place to start.
Financial decisions can bring unfamiliar terms and competing priorities. You deserve clear explanations and room to ask questions.
Here are answers to common questions about working with our family firm, preparing for retirement, and planning for your business and employees.
Your circumstances may call for a more personal conversation. We’re here to listen.
Working With Our Firm
We help individuals, families, business owners, and employers navigate important financial decisions.
Our clients may be building financial foundations, preparing for retirement, supporting loved ones, or working through a significant transition. As a multigenerational family firm, we consider how decisions can affect more than one household or generation.
A financial advisor helps you understand your circumstances, consider options, and develop strategies around your goals.
Our financial planning services connect conversations about retirement, investments, saving, and family responsibilities.
We begin by getting to know you and understanding your priorities. We then gather information, review your circumstances, discuss recommendations, help implement agreed decisions, and revisit your plan over time.
Explore our six-step financial planning process.
Costs depend on the services and account arrangements involved. Ask us to explain the applicable fees, expenses, compensation, and potential conflicts before deciding how to proceed.
We can direct you to the relevant agreements and disclosures and answer questions about what they mean.
A fiduciary has responsibilities to act in the interests of the people served within the scope of the relationship.
Ask us which services are provided in a fiduciary capacity and how those responsibilities are documented in your agreement. We’ll explain the role that applies to your specific arrangement.
Start with your questions, priorities, and any decisions approaching.
We can discuss which financial documents would be useful as we learn more about your circumstances. You don’t need to have everything organized before reaching out.
Retirement Planning
There isn’t one percentage that fits every household.
Your starting point, timeline, expected spending, other resources, and family commitments all matter. We help you consider those factors and develop a savings approach around your circumstances.
Learn more about our retirement planning guidance.
Traditional IRA contributions may be deductible, depending on eligibility, and withdrawals are generally taxable. Roth IRA contributions are not deductible, but qualified withdrawals are tax-free.
Eligibility and withdrawal rules matter when comparing the accounts. Review the IRS overview of individual retirement arrangements and discuss your circumstances with your tax professional.
Yes. Planning continues throughout retirement.
We can review your income needs, investments, family priorities, and changing circumstances, then discuss whether adjustments are appropriate.
We help you consider what you hope to contribute alongside the resources you need for your own future.
If education is part of that conversation, our college planning services can help you explore the choices and tradeoffs.
Investments and Wealth Planning
Start with what the money needs to support, when you may need it, and your ability and willingness to take risk.
Your other savings, financial commitments, and income needs also help inform the conversation.
Money needed soon may call for a different approach than resources intended for longer-term goals.
We consider your timeline alongside your circumstances and comfort with risk. A longer timeline does not eliminate the possibility of investment losses.
Diversification means spreading investments across different holdings or investment categories to help manage risk.
It does not assure a profit or protect against losses in declining markets. The appropriate approach depends on your broader financial picture.
The SEC’s introduction to asset allocation and diversification explains these concepts further.
Your investments should serve the purposes you’ve identified, such as retirement income, future spending, or support for loved ones.
Our wealth planning services connect investment decisions with those broader priorities.
Workplace Retirement Plans
It is a retirement savings arrangement offered through an employer. The features, contribution rules, employer involvement, and administrative requirements depend on the type of plan.
We help employers evaluate plan options, review investment choices, support employee education, and coordinate with relevant service providers.
Our role and responsibilities depend on the arrangement agreed upon. Explore our corporate retirement planning services.
Yes. We can discuss your current arrangement, what is working, and any concerns about services, costs, employee understanding, or ongoing responsibilities.
The scope of fiduciary support depends on the services selected and documented in your agreement.
We’ll explain our role, the responsibilities of other providers, and the responsibilities that remain with your organization.
Contribution limits can change by year and plan type. Age, eligibility, and plan provisions may also affect the amount an employee can contribute.
Consult the current IRS guidance on 401(k) contribution limits and confirm the rules that apply to your plan.
Review the notice and the relevant program’s official instructions. Your next steps may depend on your workforce, location, and whether you already offer a qualifying plan.
Our state retirement mandate guide provides a starting point for the questions to consider.
Our Connecticut and Florida Locations
DiMatteo Group Financial Services has locations in Shelton, Connecticut, and Redington Shores, Florida.
Connecticut
1000 Bridgeport Avenue, Unit 506
Shelton, CT 06484
Florida
17715 Gulf Boulevard, Unit 601
Redington Shores, FL 33708
Phone: 203.924.5420
Email: info@dimatteofinancial.com
Have Another Question?
You don’t need to know the right terminology or have every detail settled.
Tell us what’s on your mind. We’ll listen, help clarify the considerations, and discuss a practical next step.
DiMatteo Group Financial Services
Connecticut
1000 Bridgeport Avenue, Unit 506
Shelton, CT 06484
Florida
17715 Gulf Boulevard, Unit 601
Redington Shores, FL 33708
Phone: 203.924.5420
Email: info@dimatteofinancial.com
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