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Our Process

What You Can Expect With Us

Our advisors believe that financial planning is the heart of the entire process, regardless of which products and services are being implemented. We follow a unique process that begins with what is important to you and what you care most about in your life. The better we understand you, the easier we can tailor a financial plan to closely align with your goals and expectations. That is why we prioritize developing relationships with our clients – so that we can get to know everything about their goals and dreams.

At Agnone & Associates, we understand that no single strategy fits everyone, which is why every client gets our undivided attention – from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy that addresses your financial goals and objectives using the most efficient methods available.


Agnone & Associates can help you evaluate your options with regard to rolling over a former employer’s 401(k) or other retirement plan to your own IRA. In addition, we can help you make wise decisions regarding your current IRAs and the allocation and fund managers involved.
We help take the guesswork out of managing your retirement nest egg. A member of our team will meet with you to review your goals, level of tolerance for risk, and time horizon to suggest a suitable portfolio of funds and managers. We offer to meet with our clients annually or as frequently as desired to check up on progress toward goals and to make adjustments as needed. Support is there when you need it.

Some of the benefits that a typical client of ours can enjoy by rolling over their company retirement plan to an IRA include:

  • A wider selection of investment alternatives
  • Avoids taxation and penalties associated with lump sum distributions
  • Establishes relationship with professional investment advisor (Agnone & Associates)

Before deciding whether to retain assets in a 401(k) or roll over to an IRA, an investor should consider various factors including, but not limited to, investment options, fees and expenses, services, withdrawal penalties, protection from creditors and legal judgments, required minimum distributions and possession of employer stock. Please view the Investor Alerts section of the FINRA website for additional information.

A Look Into Our Financial Planning Process

Our time-tested, effective process can be broken down into seven easy-to-understand steps:

  • Step One - Discovery:

    Primarily, we will have a conversation with you in order to understand your starting point. We will also take care to address any questions or concerns you may have about working with us.
  • Step Two - Establish Goals:

    Next, we will organize your finances so that you can see your financial picture more clearly and establish goals that you want to reach in your future.
  • Step Three - Analyze Current Course of Action:

    We will determine the appropriate next steps to take in order to ensure that you, with the help of our team, are ready to progress with developing your financial plan.
  • Step Four - Develop A Plan:

    We will then develop personalized strategies together that will put you on the path to achieving your goals.
  • Step Five - Presentation:

    After the strategies are identified, we will make specific asset and investment recommendations to bring those strategies to life.
  • Step Six - Implementation:

    When you approve those recommendations and ensure that they are right for your situation, we’ll put them into action.
  • Step Seven - Monitor & Review:

    After the strategies are implemented, we’ll continuously monitor your progress together through regular meetings to help you stay on track or pivot when life throws you a curveball.

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