State of New Jersey

Notary Public Commission: 

Notary Public (Active)


State of New Jersey Department of Banking and Insurance Licensed Producer: Title, Life, Health 


Annuity Terms

Annuity - An annuity is a contract with an insurance company. The insurance company promises to pay you income on a regular basis for a period of time you choose—including the rest of your life.


Fixed Index Annuity -  A type of fixed annuity that earns interest based on changes

in a market index, which measures how the market performs. The interest rate

is guaranteed to never be less than zero, even if the market goes down.



Title Insurance Terms

Title - The evidence of right which a person has to the ownership and possession of land. Commonly considered as a history of rights. 


Owner's Title Policy -  A policy of title insurance, which insures a named owner against loss by reason of defects, liens and encumbrances not excepted to in the policy or unmarketability of the title. The company also agrees to defend covered claims made against the title.





*The opinions expressed on this website are strictly those of Malleo Financial Services, LLC and not those of any of our affiliates.


*Malleo Financial Services LLC cannot and

will not give any tax or legal advice.



About Michael A. Malleo

Michael Malleo of Malleo Financial Services

Michael grew up in Garfield, New Jersey. He’s always been interested in finance. Out of personal need, he educated himself and ultimately others. Mike began his career in financial services working at Primerica Inc. for 11 years, where he worked his way up through several levels of management. He later worked as an insurance agent for a Mass Mutual agency, and then as a banker for Wells Fargo before deciding to go out on his own as an independent insurance broker and notary signing agent.


In his spare time Mike is a coin collector, carrying on the tradition of his father and grandfather. Mike is an avid Bible reader and enjoys reading books and articles on biblical archaeology when he is not reading title industry articles.  Mike is also a motorsports fan of Formula One, IndyCar, NHRA, and Monster Jam. His other passions include weightlifting, and training various martial arts.

Michael is a Notary Public, a Certified Notary Signing Agent, a Certified Signing Agent Expert, Title insurance licensed, and also Life / Health insurance licensed.  

Over the years Mike has been involved in various local chambers of commerce, and was also the President of the Little Falls NJ chapter of LeTip International. Mike has also served three terms as President of the North Jersey Business Professionals (NJBP) Clifton-based networking group, in which he was also a founding member. Mike was also a member of the North Jersey Regional Chamber of Commerce, the National Notary Association, the American Society of Notaries, and the American Land Title Association.

As an independent financial professional Michael Malleo is:

  • 100% Independent, with no proprietary products to sell
  • Committed to the industry’s highest ethical standards
  • Experienced, educated, and certified 
  • Provides boutique-like personal service. 




For a free consultation, please contact us for an appointment.