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DiVirgilio Approach

We believe in creating a personalized financial strategy to help clients shift the burden of financial worries and pursue their passions at any state of life through trusting, long-term relationships.

DiVirgilio Financial Group comprises of 12 staff members dedicated to providing quality services to our clients.  We specialize in wealth management, portfolio management for individuals, retirees, business and municipal organizations, individual retirement services, and insurance.  We work together as a family, and strive to develop a personal relationship with each client who walks through our doors.  Though a small business, we have the abilities and services you would find in a large firm, with a more intimate setting.

Our clients rely on us for full transparency, reliability and confidentiality.

Client Centered

Our advisors will meet with you to review your financial assets and identify your current assets.  You will work together to identify immediate and long-term financial needs, future goals, risk assessment, and appropriate methods of investing your financial assets.  We address your concerns, answer your questions and help to understand what we do and how we can help.  

Working together we focus on building a plan before determining the most appropriate investments to fit your lifestyle.  Feeling comfortable and secure in your financial investment is important, and your advisor will continue to monitor your accounts to ensure you continue to be on the same track.  You can always count on your advisor and our offices to support you and remain active in your investments.

We know life can changes in unexpected ways, sometimes significantly to directly impact your finances or personal situation.  While these can't be always be planned for, we want to work together to modify our plan and ease your worries.  

Business Support

Our primary goal for our business clients is to allow owners to focus on the daily operations and success of the company, while we focus on everything else. We help our business clients protect their assets and support their staff with benefits and retirement services.  

Whether you own a small, local business or a large corporations, we work to lessen the burden of investing assets and employee retirement plans.  From analyzing risk to implementation of our mutual strategy, we customize a plan to fit your immediate needs and future goals.  

Advantages of Advisor Managed Accounts

We primarily operate on a fee-for service basis and do not receive commissions for products we recommend.  This allows us to offer impartial advise in your recommendations and focus on personalized service.

The most effective and valued advisors have been moving their business models to “Fee Based” accounts vs. “Commission Based”. Fee Based Accounts are to the advantage of the customer and the account holder. The reason for this is in a fee based strategy, a partnership is created between the advisor and the client. The financial interests are aligned in that you and your advisor become partners in managing your portfolio and both prosper when the portfolio performs well.

A fee-based program rewards good management, not transactions. You pay a fee based on the market value of your account rather than the number of transactions processed in your account. In a commission based account, the advisor and client are not necessarily always “sitting on the same side of the table”. The advisor is rewarded with the mismanagement of the account by additional transactions which pay the advisor a commission.

The main reason that a fee-based strategy works is that your advisor considers all of your financial needs prior to making recommendations. The advisor can construct and maintain a truly diversified portfolio without exposing the client to repeated commissions. The advisor is compensated to look out for the clients best interests because fee-based programs reward advice and good judgment rather than sales and commissions. Additionally, fee based compensation calls for full disclosure of the financial breakdown of the account on the investment statements.

DiVirgilio Financial Group utilizes the Fee Based approach to build trust and confidence with our clients. Our clients goals become our own and the interests are inseparable.