Richard Lofredo is a respected financial professional and educator with three decades of experience providing financial planning strategies to families, business owners and corporate executives. From money management and Special Needs Planning, to retirement and life insurance planning, Mr. Lofredo’s success can be attributed to the relationships he develops with his clients. Satisfied clients speak of his guidance as having helped them focus on their financial health and feel more confident in their family's future.
Mr. Lofredo’s goal is to educate, encourage and guide families toward a brighter financial future. To that end, he utilizes an exclusive planning tool called The Living Balance Sheet® to help clients become highly organized and analytical in regard to their financial health. This online tool provides a wide-angle view of four critical financial domains: Protection, Assets, Liabilities and Cash Flow--helping clients sort through the misconceptions prevalent in today’s financial climate.
Richard also provides valuable expertise to families with special needs. Families and guardians of children with special needs face unique challenges—retirement planning takes on a whole new meaning when you have a child that will someday be an adult who will depend on you for education, healthcare and financial security. Richard passionately continues to educate himself on the various government services available to the special needs community, as well as the challenges that face so many families. Because of his continuous education, Richard is able to provide a truly understanding approach to financial planning that takes into account the unique circumstances of each family. He understands that as families navigate their way through a new diagnosis, questions about the long-term future arise. Richard is well-equipped to guide families through this process, securing all aspects of financial planning that account for all members of the family.
Certified Financial Services, LLC understands that each family has different goals and challenges. Our mission is to educate our clients on their existing financial condition and help them improve the efficiency of their financial resources. We can make financial recommendations and help the client implement new strategies that are consistent with their values and goals.
Our integrated Special Care Planning Team was formed with your family in mind. We know the hard decisions you face and have the knowledge and experience to guide you.
Tell us about your special needs issue and we will put you in touch with Richard Lofredo CLU, ChFC, ChSNC