Anthony Cognetta

• Retirement Planning: Many clients ask, "Will I have enough to retire comfortably?" or "How much should I be saving for retirement?" They're often concerned about whether they're on track and how to handle uncertainties like healthcare costs or inflation.
• Investments: A frequent question is, "Am I investing in the right places?" Clients want to know if their portfolios are diversified, aligned with their goals, and able to withstand market volatility. They also seek advice on balancing risk and reward.
• Debt Management: Clients often ask, "How can I pay off my debt while still saving?" Whether it's student loans, credit cards, or mortgages, finding the right strategy to balance debt repayment and future savings is a common concern.
• Education Savings: Parents frequently ask, "How can I save for my child's education?" or "What's the best way to prepare for rising tuition costs?"
• Tax Efficiency: People want to know, "How can I minimize my taxes while maximizing my savings and investments?" Tax planning often plays a significant role in their financial strategies.
• Life Transitions: Major life events like buying a home, starting a family, changing careers, or dealing with inheritance raise questions about financial priorities and strategies.

Ultimately, clients seek reassurance and clear guidance to help them navigate the complexities of their financial lives. My role is to provide tailored advice, educate them on their options, and help them feel confident in their decisions.*Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.