MICHAEL J. GERMANO, IV CFP®, CHFC®

MICHAEL J. GERMANO, IV CFP®, CHFC®

Senior Vice President, Wealth Manager

Michael Germano, CFP®, ChFC® is a graduate of the Wharton School, University of Pennsylvania (Honors) who has a background in financial planning, entrepreneurship and insurance. He was with Citigroup for over ten years and in the financial services industry since 2003. His clientele includes business owners and high net worth investors.

Michael has been passionate about investing since childhood and this passion benefits Michael’s clients in his approach, attention and zealousness with portfolio/investment management. Michael, a CERTIFIED FINANCIAL PLANNERTM and CHARTERED FINANCIAL CONSULTANTTM (ChFC®), believes that having clear, meaningful, measurable and achievable goals is a necessity for achieving one’s personal lifestyle goals; consequently, he enables his client to set, clarify and achieve his/her financially related goals by engaging in holistic planning as defined by the six step process of the Certified Financial Planner Board of Standards. Likewise, Michael believes that risk management is the foundation to all financial planning and this enables him to build a solid base for his clients by integrating insurance and estate planning into their financial lives. Similarly, he sees the value in combining both active and passive investments, as well as, traditional and alternative investments—such as hedge funds and private equity when appropriate.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements. 030917-013458