Assisting you with all your financial needs

Hello and welcome to our web site. Whether you are looking for retirement advice or planning, budgeting, college planning, or maximizing income we can help in ALL areas of investment, insurance and financial planning. Our mission is to provide "One Stop" financial services for the shoreline community offering both financial planning and estate planning in the same day at the same location. Our newest addition is Attorney Kristen Quaratella who will recommend wills and trusts at a very reasonable fee to protect your family and your assets. Nearly all of our 200+ clients have begun a relationship with us because of another satisfied client's referral. If you are checking us out for the first time you may want to do business with us because of some of the following reasons::

• You may have received a settlement check from an accident, an inheritance or cashed in some stock options. 
• Maybe you need a financial plan to know you will be able to help you retire comfortably someday?
• Do you have multiple IRA's at various banks, brokerage houses and insurance companies and are paying fees that are unnecessary? You probably need to consolidate your IRA's!
• You left your job either recently or years ago and still have a 401K plan or 2 that you really don't have control over. You need a 401K Rollover! You won’t know this until you learn more about the client.
• If you have a managed account, you may be paying fees that are exorbitant. Come in for a FREE financial checkup.
• You may need a will or a living will or a trust. Or you may need an updated will. 
• If you have mutual fund accounts, you may be sick and tired of multiple statements coming in the mail. Consolidating with a broker, like Phil Wieloch, would put all of your funds in the same account statement. (Stocks, Bonds, Options and Mutual Funds)   
• Maybe you have children and paying for college expenses is a concern. Starting a 529 plan, a zero coupon bond, or a mutual fund in a custodial or educational IRA are your options. However, a 529 plan grows and can be used for college expenses that could be TAX FREE. You may need help deciding which 529 plan is best for you. There are many companies to choose from. Call Phil Wieloch for help in deciding which one is best for you!
• If you are getting a divorce you'll need a broker to help you split up a 401K plan.
• Do you have enough life insurance? Most people don't. We all know stories about young couples losing a loved one who died without adequate life insurance. Term insurance has NEVER been lower then at this time due to actuaries continually raising life expectancy tables. Ask us for a quote! 
• If you have an annuity that is NOT performing well or has surpassed the surrender period you may be eligible for a 1035 exchange which may give you a higher interest rate guarantee. (a 1035 exchange also avoids taxation, continuing tax deferral) 
• We sell stocks at a discount!
• You may have lost someone dear to you and are in charge of settling his or her estate. We offer FULL SERVICE providing help with all of the paperwork associated with life ins, changing account titles, and splitting up stocks and brokerage accounts. We use a local attorney who is known in the community and is not only fair and reasonable, but personable as well.
• For first time investors....Want to start a Roth, or a Traditional IRA, buy some stock, or buy mutual funds, or contribute to an annuity, on a monthly basis? No account is too small, start TODAY!
• If you are an employee at a local municipality, or a school you may want to start or transfer a portion of your 403b or a Tax Sheltered Annuity. Many of these may be deducted directly from your paycheck at work. Call or email me for more information.
• You may be interested in saving money on taxes. Are all of your investment and bank accounts taxable? Maybe a tax deferred annuity, a SEP IRA, a tax free CT Muni bond or a charitible contribution is what you need to reduce your tax liability.
• If you are interested in maximizing income....."Living Benefits" with annuities will provide you with a guaranteed income for life regardless of market performance. (Genworth 6%, American Skandia, 5% or 7% Highest Daily Lifetime 5 or 7 depending on age requirements, Riversource 6%) These living benefit guarantees are available for a fee. (typically .50, .60%, or .75% annually) These investments with insurance companies are not FDIC insured and are not guaranteed. Please read prospectus for each individual company before investing.  You can not talk about specific companies and products in advertising
•  Are you interested in safety? Have you been investing in CD's your whole life? A fixed annuity or a bond may be an option for you with SOME of your 'SAFE MONEY'. Ask me why?

Securities offered through
Investors Capital Corp. Member FINRA/SIPC
Advisory Services offered
through Investors Capital Advisory
Wieloch Financial Services is not
affiliated with Investors Capital Corporation
1520 Boston Post Road, Westbrook, CT 06498
(860) 399-5800 or (866)669-0005
pwieloch@investorscapital.com