Malleo Financial Services

Michael A. Malleo

Phone: 201-321-7041

mike@malleofinancialservices.com

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Terms of Notarial Acts:

Acknowledgement – Certifying that a signer personally appeared before the Notary, was identified by the Notary, and acknowledged freely signing a document.

Malleo Financial Services is a proud member of ALTA (American Land Title Association), the American Society of Notaries, and the National Notary Association (NNA). We're also a Fidelity National approved closer.

FIDELITY APPROVED CLOSER

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

*Malleo Financial Services LLC cannot and

will not give any tax or legal advice.

Articles for Better Understanding

Education & Research

I pride myself on helping people understand their options and to see the value of the recommendations that we at Malleo Financial Services offer. Toward that end, I will share third party articles from time to time that I believe can provide more clarity to some challenging financial topics.

*Please remember that all financial planning decisions should be based on your own individual goals, needs, and specific situation. These articles have been provided for educational and informational purposes only, and should not be used or construed as a final recommendation.

INSURANCE

Tips on Buying Life Insurance

Here are 13 tips from the American Council of Life Insurers to make sure you get the coverage you want from a company you trust.

Tips on Buying Life Insuance - ACLI Arti

Adobe Acrobat Document 64.3 KB

Life Insurance Needs Worksheet

This worksheet can help you get a general sense of how much life insurance would be appropriate for your specific situation.
by Assurity.

LifeNeedsWorksheet.pdf

Adobe Acrobat Document 168.2 KB

Annuity Buyer's Guide

Buyer's Guide to Fixed Deferred Annuities by the National Association of Insurance Commissioners (NAIC)

Buyer's Guide to Deferred Annuities.pdf

Adobe Acrobat Document 12.3 MB

LTC Insurance Buyer's Guide

"A Shopper's Guide to Long-Term Care Insurance" from The National Association of Insurance Commissioners (NAIC).
**Malleo Financial Services no longer offers long-term care insurance.
However, we believe that all consumers should be educated on how LTC insurance works, which can help them in making more informed decisions.

LTC Shoppers Guide.pdf

Adobe Acrobat Document 9.4 MB

Auto Insurance Buyer's Guide

"A Consumer's Guide to Auto Insurance" from The National Association of Insurance Commissioners (NAIC).
*Malleo Financial Services does not offer Auto Insurance. However, we believe that all consumers should be educated on how their Auto Insurance policy works and their various options.

Auto Insurance Consumer Guide.pdf

Adobe Acrobat Document 2.5 MB

Home Insurance Buyer's Guide

"A Consumer's Guide to Home Insurance" from The National Association of Insurance Commissioners (NAIC).
*Malleo Financial Services does not offer Home Insurance. However, we believe that all consumers should be educated on how their Home Insurance policy works and their various options.

Home Insurance Consumer Guide.pdf

Adobe Acrobat Document 2.3 MB

ESTATE PLANNING

2018 Tax Cuts and Jobs Act

Individual income tax provision highlights by Principal.

Principal - Individual Income Tax Provis

Adobe Acrobat Document 68.4 KB

2018 Estate & Gift Taxes

Estate and gift tax provision highlights by Principal.

Principal - Estate and Gift Tax Provisio

Adobe Acrobat Document 67.9 KB

Asset Protection

Basic principles and strategies for safeguarding your wealth.
by Putnam Investments.

Asset Protection.pdf

Adobe Acrobat Document 168.0 KB

Asset Protection Checklist

A good asset protection plan can help you maintain your standard of living and preserve your ability to pass assets to heirs or charitable organizations.
By Putnam Investments.

Asset Protection Checklist.pdf

Adobe Acrobat Document 184.9 KB

CRAT - Charitable Remainder Annuity Trust

An estate planning strategy of receiving income and then distributing the remainder to a charitable organization.

CRAT.pdf

Adobe Acrobat Document 141.3 KB

Estate Planning - Life Insurance Funding Options

When life insurance is utilized as part of your overall estate plan, it is important to determine the most efficient manner in which to fund the policy.

Estate Planning.pdf

Adobe Acrobat Document 126.7 KB

Understanding Mutual Funds

An educational booklet explaining mutual funds.
*by Oppenheimer Funds

**Malleo Financial Services no longer offers mutual funds.
However, we believe that all consumers should be educated on how mutual funds work, which can help them in making more informed investment decisions.

UnderstandingMutualFunds.pdf

Adobe Acrobat Document 406.6 KB

BUSINESS PLANNING

Business Overhead Expense (BOE) Disability Income Insurance

An explanation of Business Overhead Expense (BOE) Disability Income insurance from Assurity.

BOE_consumer_15052_0416.pdf

Adobe Acrobat Document 1.1 MB

Business Succession Planning

Strategies for increasing the value of your business and positioning it for the future.
*Investor Education Series by Putnam Investments.

Business Succession Planning.pdf

Adobe Acrobat Document 346.0 KB

Buy-Sell Agreements & Life Insurance

Funding a Buy-Sell Agreement with Life Insurance

Business Buy-Sell Life.pdf

Adobe Acrobat Document 1.4 MB

Executive 162 Bonus Plan

An explanation of what an "Executive 162 Bonus Plan" is, using either life insurance or an annuity, and it's pros and cons.
By American National Life

Executive 162 Bonus Plan.pdf

Adobe Acrobat Document 153.4 KB

Business Continuation General Partnership

An explanation of how a Business Continuation General Partnership (BCGP) works, and the advantages and disadvantages of one.
By Principal Financial Group

BCGP.pdf

Adobe Acrobat Document 14.3 KB

For a free consultation, please

contact us for an appointment.

Malleo Financial Services LLC, and ASH Brokerage Corp. do not and cannot offer any specific tax or legal advice.

Please consult your tax or legal professional for such advice.