Our Service Model Ensures Frequent Contact.
We will meet with you regularly to review your Financial Strategy Action Plan. We will monitor your progress and make adjustments based on any changes in your circumstances.
Are you Confident with your Retirement Plan?
If you have ever wondered whether your portfolio is on the right track you may benefit from our financial process.
Advice Based on Your Needs.
Your financial needs and goals are uniquely your own. When investing or working with us, you’ll benefit from a flexible, customizable planning approach.
I help clients pursue their investment goals with sound financial strategies. You deserve a personal, tailored plan. Lasting, meaningful and open relationships are the foundation of my practice. You've worked hard for your money and should feel confident with your investment choices as you make decisions for your financial future. Whether you’re in the early stages of building wealth or facing complex retirement- or estate-planning choices later in life, I’m ready and equipped to help you.
A Certified Financial Planner ® Examines All Aspects Of An Individual's Situation.
President, Scatolini Wealth Management
Registered Client Associate
It's natural-and wise -to re-examine your financial outlook after an unexpected or game-changing life event. Or to hear life's clock ticking and feel the urgency to plan more deliberately to meet your most cherished goals. As your Financial Advisor we can provide guidance on your short and long term financial goals. We can also help you create, monitor and manage an investment portfolio geared to your specific situation.
· Carol Scatolini, CFP ®, Wealth Manager
This process is refreshingly realistic, innovative and easy to understand.
We strive to acquire a complete and accurate understanding of your goals in our initial work together.
Your investment portfolio is tailored to your timeframe, risk tolerance and personal objectives.
We look at all aspects of your life. As your Advisor we will always put your interests first. We will treat you with respect, honesty and dignity.
We help you determine how much to save before retirement and how much you can withdraw once in retirement. This is critical to ensure you have accumulated enough before you retire and that you do not deplete your assets once you are in retirement.
We offer individualized portfolios that are designed just for you. We use the full spectrum of investment choices including stocks, bonds, mutual funds, and more. We have access to a wide range of institutional portfolio managers who excel at what they do.
We begin our process with a complimentary consultation where we learn as much as we can about your situation and determine if we are the right fit. We will develop a deep understanding of your financial priorities and then apply appropriate financial strategies to help optimize your wealth. We will walk you through a step by step process that is designed to make you feel confident in your decisions.
Develop Specialized Plan
Once your goals have been established, appropriate strategies are customized to suit your vision and objectives. We work together to explore your wealth planning needs as well as help you build, manage, preserve and transfer your wealth.
Review. Monitor. Adjust.
After your financial strategy has been put in place we will review your progress on a periodic basis. The review process is critical so we can monitor your progress and make adjustments based on any changes in your circumstances. As our client you need to know that our recommendations are always based on your best interests. We encourage our clients to participate in the investment planning process as we believe working together is essential to effective financial planning.
Educate yourself on a variety of financial topics.
A host of financial tools to assist you.
These magazine-style flipbooks provide helpful information on a variety of financial topics and illustrate key financial concepts.
Timely newsletters to help you stay current.
Financial terms from A to Z.
These engaging, short animations focus on a variety of financial topics and illustrate key financial concepts.
Carol Scatolini CFP® is a Wealth Manager and President of Scatolini Wealth Management. Since 1995 Carol has helped clients address their financial concerns and develop strategies by focusing on each individual’s specific needs. With extensive experience throughout major shifts in the markets, Carol has dedicated her career to delivering the personalized investment planning services her clients deserve. Carol began her career as a Financial Advisor with Merrill Lynch in Worcester where she developed her fundamental investment knowledge. In 2003, she earned the CFP® certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. In 2006 she relocated to the Springfield, MA location and remained there until 2011 when she established her independent company, Scatolini Wealth Management located at Post Office Park in Wilbraham, MA.
Carol focuses on helping clients with all their complex and major life events such as retirement, divorce settlement, inheritance, and estate planning strategies. Each client receives personalized financial advice as well as a custom financial strategy tailored to their unique situation. Special attention is given to diversification, asset allocation and risk management. Over the years Carol has worked with a cross section of clients including young and mature families, clients with significant inherited and earned wealth, business owners with specific needs and charitable organizations and foundations. She also has focused on helping women investors develop their financial acumen and confidence through her investment planning process.
Phone: (413) 596-9033Email: email@example.com
Teresa D. Chaves is a Registered Client Service Associate who joined Scatolini Wealth Management in 2014. She is responsible for the day to day operations and handles all client needs including trades, account opening and processing all required paperwork. She comes with over 20 years of banking experience prior to transitioning to the brokerage/financial services industry in 2000. Prior to working at Scatolini Wealth Management Terry worked as a client associate at Bank of America Investment Services and Commonwealth Financial Network. Terry holds a Series 7 registration as well as being a notary public. She is fluent in continental Portugese and brings not only excellent customer service skills, but experience in accounting, auditing and overall front office support to Carol. In her spare time Terry likes to garden, dance and enjoys wine making as well. She loves to spend time with her family, especially her adorable grandchildren. Terry resides in Ludlow with her husband.
Phone: (413) 596-9033Email: firstname.lastname@example.org
Instead of simply investing toward a dollar amount for a retirement target, we use a process called Envision®. This process can help you uncover your goals, determine which are the most (and least) important and track your progress in reaching them. Our approach includes:
The Envision® process is a great way to start creating your own personal roadmap. It also gives you the flexibility to alter your plan to account for changes in your life. For more information on this process, give us a call today.
Our approach to retirement income planning begins with the development of a structured plan that outlines specific strategies to address your goals and objectives, concerns, and timeline. Together, we can determine a fully diversified retirement income strategy compatible with your individual situation.
For many years, you may have pursued an investment strategy emphasizing growth to help build retirement assets. However, once retired, you need to balance your need for income with growth to ensure your portfolio is buffered against market volatility and keeps pace with inflation. This makes it critical to re-evaluate your risk tolerance and preferences to help ensure both your investment strategy and spending plan are aligned with your retirement lifestyle needs and goals.
For most individuals, an essential part of retirement income planning is determining an appropriate withdrawal or spending strategy. What is the appropriate withdrawal rate for you—4%? 5%? 6%? By establishing a withdrawal rate that’s too high, you could deplete your savings too quickly and potentially outlive your money. And, once you’re retired, it’s important to review your retirement income plan whenever your circumstances or the markets significantly change, but at least annually, so you can adjust your spending strategy and withdrawal rate as needed. In addition, keeping the rest of your portfolio invested and diversified gives it the potential to continue growing.
Asset allocation and diversification are essential components during your years of saving for retirement. How you allocate your assets across various asset classes during this accumulation phase can have a profound impact on the savings you have upon entering retirement. However, once in retirement, the focus will likely be to include an allocation designed to meet specific income objectives, including asset protection, growth, and guaranteed income. If you want to learn more about our retirement strategies schedule a consultation with us today.
To succeed in today’s complex markets, you need objective advice that you can rely on. Sometimes the best advice is to hold steady and maintain your investments. Other times, the best advice is to take immediate action. Above all you need advice you can trust. Most people do not have the time or the resources to perform the necessary due diligence and analysis on the investments for their portfolio or perform the necessary analysis to build a portfolio in the first place. Individual investors may not be aware of, or follow, good investment disciplines, which may result in lower returns.
We utilize numerous investment programs to help you meet your investment goals, whether you are seeking a long term asset allocation portfolio, have a need for income, or want to meet another specific goal. We offer asset allocation models from conservative to long term for investors seeking income, growth and income or growth. Our models include mutual funds, ETF’s, stocks and bonds.
We believe each client deserves specialized investment advice. We spend considerable time preparing and developing individualized investment strategies. We are careful to consider all factors relevant to investment decisions-risk/reward levels, life-stage planning, estate strategies and others. We are committed to designing customized and innovative ways to better serve you. To learn more about our investment portfolios schedule an individual consultation with us today
While there are many reasons to invest the three most commonly cited reasons are to:
We discuss your objectives and then help you prioritize them. For example, you may want to save for retirement. But how do you plan to spend your retirement? Playing golf or tennis? Traveling? Shopping? Enjoying time with children or grandchildren? Pursuing a second career? Volunteering for your favorite charities? These are all issues to consider when defining your objectives.
Knowing your time horizon is important because it will help dictate the types of investments you should make. Having a longer time horizon usually means you can invest more aggressively because you should be able to ride out any short-term price volatility and have the potential to enjoy the increased returns that a riskier investment usually offers.
We determine your risk tolerance to see how much risk you can comfortably live with in your portfolio. Although higher returns may be attractive, you may be comfortable with a relatively low level of risk. Once we identify your risk tolerance we can design your portfolio to fit within it, which may require you to adjust your objectives or time horizon.
Once you’ve clarified your objectives and time horizon, you need to determine where you are today. In other words, is your financial house currently in order? For example, if you’re carrying a heavy debt burden, especially high-interest credit-card debt, you’ll probably need to reduce it before you start investing.
One of the keys to successful investing is constructing a portfolio with the right investment mix, or asset allocation to help you work toward your objectives. It all starts with having a solid investment plan that takes into consideration what is happening now, what could happen next and what may happen even later. Having a proper asset allocation is a time-tested strategy that lets you “be in every lane” when it comes to managing your portfolio. Because no one knows for sure which investment is going to do well tomorrow, we create portfolios that spread your money over a number of different types of investments. That way you can be prepared for just about anything.
Following a disciplined investment process and working with a financial advisor can give you confidence that your investment portfolio is suitable for you based on your investment goals, time frame and risk tolerance and that, with regular monitoring, you remain invested to meet those investment goals. We treat each client as an individual and provide quality services and investment choices. Our portfolio recommendations are customized for you-they are not boiler plate solutions. We provide information that is clear, understandable and focused on helping you reach your long term financial objectives.
Our objective is to help clients succeed financially and work toward their life goals. Whether you’re in the early stages of building wealth or facing complex retirement- or estate-planning choices later in life, we’re ready and equipped to help you make decisions for your future. We all have unique goals in life and want to feel confident that we’re on track to meeting them. In that effort, it helps to have a financial roadmap to keep us on track – especially given the twists and turns that inevitably lie ahead.
What You Can Expect From Us:You can trust that we will consistently and responsibly perform all requested services and that we will be available when you need us.We Will:
Give us a call today to learn more.