The Terrio Group is an Independent Registered Investment Advisor, overseeing and coordinating finances in Port St. Lucie, Stuart and surrounding communities. Their mission is to provide families and businesses with innovative financial strategies, solutions, and planning. As Investment Advisors, The Terrio Group has a fiduciary duty to act in the best interests of their clients at all times.
Who We Are
Throughout your life you have worked extremely hard to create a strong financial future for your family and loved ones. Our mission is to provide the families and business we serve with innovative financial strategies, solutions, and planning that results in financial clarity and prosperity.
The Terrio Group is a team of highly skilled professionals that work for YOU! The team includes Financial Advisors, Retirement Planners, Insurance and Tax professionals. Our team works as one to cover all aspects of your financial portfolio to try and maximize profitability and minimize tax consequences.
In using the 8 Elements of Financial Control we've created a holistic process that encompasses all aspects of a true financial plan.
DID YOU KNOW?
It turns out 4 out of 5 people have more risk in their portfolios than they previously realized. Does your personalized RISK number match your current portfolio? Take a short quiz and find out now.
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Working with you to deliver results
A strong team and superior record demonstrate our commitment to our clients
Michael, is the founder and President of The Terrio Group. Michael believes that communication and interaction with his clients on a regular basis is key to understanding their financial planning needs and assisting them in realizing their dreams and aspirations.
WHAT WE OFFER:
A Comprehensive Team
We offer a full team of experts on taxes, insurance, financial and retirement planning all in one location working together for you.
We spend quality time with our clients discussing goals and strategies. Our clients trust us and the advice we give.
We’re not tied to an organization or group of funds. We can choose the funds that fit you..
We believe in giving back
As your financial advocate, we take the time to understand what you want out of life and how you feel about your wealth. We will help guide you along your financial journey. By talking with you about your life and your goals we can anticipate any changes that need to occur in your financial strategy.
•Michael G. Terrio, CRPC
• Frank A. Lardino
• Mike Richard
• Tad Sacheck
• Linda Semko
• Cassie Ottofaro
• Andrea Gillette
8 ELEMENTS OF
Financial planning cannot be effective without considering all aspects of your finances as one cohesive, ever evolving, machine. In doing this, we strive to ensure that all the elements are working together to optimize your financial future .
Income is the foundation of a financial plan. Income optimization makes sure you’re taking income the most tax efficient way. It also ensures that you have enough guaranteed income source for certainty in your financial life. Predictable income allows you to be spontaneous with your lifestyle for the things you enjoy doing, and living the retirement you dreamed of.
Liquidity is important for those unexpected yet expected events. Not having enough emergency funds can cause inefficiencies in your investments and income if those emergencies are having to be taken care of out of them.
Revenue Replacer looks at what happens when sources of income are lost. This may be the loss of pension, social security, and other sources of income when a loved one passes away. It’s important to have a strategy in place to replace that income, so that the lifestyle going forward isn’t compromised.
Once you have your income optimized and you know that you have your income and where their sources are coming from, you have your emergency builder set up so you have liquidity. You have your revenue replacer taken care of so you’re taking care of your loved ones. Now’s the time to start to finally start building your assets, not just for short-term and long-term. Using the asset builder process, we are able to structure assets strategically utilizing intelligent portfolio design hoping to enhance the most amount, or get the most amount of your money that’s possible.
Legacy Enhancer focuses on growing your assets for your future, and those that you want to leave your money to. The right balance of risk and reward can be found by developing an investment policy statement for your financial plan to ensure you’re not taking on too much risk, and that your goals can have a higher likelihood of success.
Legacy Defense is important for protecting your money from other people. You’ve worked hard to get where you are. We live in a litigious society. This analyzes where your investments & assets might be vulnerable to lawsuits and creditors & then makes recommendations on how better to protect yourself.
Dynasty Creator assesses where your estate is now, and how better to optimize what you leave behind. It’s not only important what you leave behind, but how you leave it. There are 3 places your assets can go when you pass: Your loved Ones, Charities, & the IRS. No one wants to leave it to the IRS. A properly structured financial plan will include legacy strategies to leave assets the most tax efficient way.
With tax planning everyone understands that whether you pay $5 or $50,000 to the IRS, everyone loathes paying money to the tax world. Realizing that taxes are a fee that can have a negative income, not just short term, but also long term with your investment plan is very serious business. During the tax planner module we look to see how taxes impact everything. All the way from your income, to your assets, to your estate, and your legacy. We stress the tax importance so people understand the net rate of return for their investments rather than the gross.