21st Century Wealth & Insurance Services
Charles A. Cerone, CLU®
Financial Advisor • Registered Representative •
Investment Advisor Representative • Independent Agent • Chartered Life Underwriter®
Integrated or Individualized Wealth, Insurance and Financial Services
Wealth Management
Explore strategies
Select investments
Implement and monitor performance
Insurance Planning
Needs analysis
Underwriting expertise
Offering most forms of insurance
Risk Assessment
Evaluate perils
Establish objectives
Review solutions
Financial Services
Social Security strategies
Asset inventory
Liability spreadsheet
Wealth Management
• Wealth and retirement planning
• Risk appropriate investments
• Implementation and maintenance
• Wealth preservation or transition
Insurance Services
• Underwriting to issue
• Solo, joint, survivorship and group life
• Disability income, overhead expense and buy out solutions
• Long term care and Employee benefits
Risk Assessment
• Assess exposures for individuals, professionals, partners, groups & associations
• Manage or mitigate risk
• Identification and prioritization
• Retention vs. tactical transfer
Financial Services
• Cataloging personal & business documents
• Debt reduction blueprint
• Efficient funding of asset distribution or generation transfer objectives
• Estate planning and updating