Front Row (left to right): Brian Spatola, Jerry Fasanella, Lisa Mercado, Phillip Isan
Back Row (left to right): Patty Haman, Davis Fasanella, Maureen Fasanella, Taylor Krystkowiak, Stephanie Hosford
Utilizing the experience gained over nearly 40 years in the financial services industry, including several years as a professional equities trader, Gerald Fasanella, President of Heron Financial Partners, created a program designed to actively manage clients’ assets. Heron Active Investment Management (HAIM) is a tactical, professionally managed, non-discretionary brokerage program available to clients of Heron Financial Partners. HAIM gives clients the opportunity to invest in equities as a means of diversification, employing a specifically designated percentage of their portfolio. Dividend income, an important consideration, is just one of the criteria used in the selection of the “baskets of stocks” presented to clients who choose to participate.
Captive Insurance, Indexed Universal Life and Premium Financing are just some of the tools used in designing customized programs that provide risk management, tax-free retirement, predictable revenue streams and living benefits. Captive Insurance is an alternative form of risk management that is becoming a more practical and popular means through which companies can protect themselves financially while having more control over how they are insured.
Indexed Universal Life (IULs) offer flexible premium, flexible death benefit, cash value growth and downside protection. IULs may be well suited for those who need death benefit protection but are focused on cash value accumulation.
Premium Financing– In order for high net-worth clients to invest and protect their wealth, they need to take advantage of leverage and often look for opportunities that yield returns greater than the cost of capital. Many need life insurance to address the need for inheritance, business and tax issues, but prefer to keep the funds that would be used for premiums in other investments.
Financial Advisor offering Securities and Investment Advisory services through Cetera Advisors, LLC, member FINRA/SIPC. Cetera is under separate ownership from any other entity. Investments in securities do not offer a fixed rate of return. Principal yield and/or share prices will fluctuate with changes in market conditions and when sold or redeemed, you may receive
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