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Alfred Romano

Advisor at Financial Transparency

Updated today
Financial Transparency logo

Firm

Financial Transparency

Location

Salisbury, NH

Credentials

PFS™, Series 66

Industry experience

26 years

Client services

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Fee options

Fixed

Individual Financial Consultations fixed fee range generally $1,500 to $10,000 per plan

Percentage

None - $24,999: Not offered (no minimum for Let’s Get Started program, but other programs have minimums) $0+: Let’s Get Started program: Up to 1.00% $25,000+: Managed Investment Portfolios: Up to 1.75% $150,000+: Customized Managed Accounts: Up to 2.15% $100,000+: Pension Consulting Services: Up to 1.50% (with $1,500 minimum fee)

Commissions

Insurance commissions may be received by some IARs for sale of insurance products, but not primary source of compensation

Project-based

Individual Financial Consultations typically $300 per hour

Other

Account minimum: None for Let’s Get Started program; $25,000 for Managed Investment Portfolios; $150,000 for Customized Managed Accounts; $100,000 for Pension Consulting Services (with $1,500 minimum fee) Minimum fee: Pension Consulting Services have a total annual minimum fee of $1,500 Fee-only: Advisory fees charged as percentage of assets or fixed fees for financial consultations; no commissions on advisory fees

Work history

Envision Financial Transparency, Llc

2018 - Present (8 years)

Financial Transparency, Llc

2018 - 2018 (1 year)

Robert G. Stinson & Associates, P.C.

2009 - Present (17 years)

Cssc Brokerage Services, Inc.

2007 - 2018 (11 years)

Cssc Insurance Services, Inc.

2001 - 2018 (17 years)

Trustee Empowerment & Protection, Inc.

1999 - 2018 (19 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Andrew X

Series 63, Series 66

Warner, NH

Fidelity

Andy Xenakis is Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial advisors focused on understanding the financial needs and priorities of individuals and families. He collaborates with clients to build and maintain financial plans aimed at achieving their goals. Andy has held various roles at Fidelity Investments since 2009, including Regional Vice President of Managed Accounts, Regional Planning Consultant, Investment Solutions Consultant for Managed Accounts, and Retirement Relationship Manager. His extensive experience spans financial representation, retirement solutions, investment solutions, and managed accounts. His career at Fidelity Investments demonstrates a progression of leadership and expertise in financial advisory services, supporting clients through comprehensive financial planning and investment management.

Wealth management Retirement income strategy General retirement planning Income planning

Sarah F

Series 66

Northfield, NH

Fidelity

Sarah Fitzwater is a Financial Consultant at Fidelity Investments, where she has been working since 2024. She has progressed through various roles within the company, starting as an Investment Solutions Representative I in 2021 and advancing to her current position. Her experience encompasses multiple levels of investment solutions representation, providing her with a comprehensive understanding of financial planning and client relations. Sarah holds insurance licenses in Arkansas and California, supporting her ability to address diverse client needs. Outside of her professional work, Sarah enjoys outdoor activities such as camping, gardening, hiking, kayaking, and traveling.

Wealth management

Benjamin C

Series 66

Concord, NH

Fidelity

Benjamin Collin is a Planning Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as a Workplace Planning Consultant at the same firm from 2022 to 2024. In his career, he focuses on partnering with clients and their families to develop comprehensive financial plans tailored to their needs and goals. Benjamin holds an Arkansas Insurance License, which supports his work in providing financial planning and advice. Outside of his professional responsibilities, he engages in family activities, fitness, golf, parenthood, and traveling.

General retirement planning Retirement income strategy Income planning Parents Young Families

Mariah E

Series 63, Series 66

Loudon, NH

Fidelity

Mariah Elkins is a Planning Consultant at Fidelity Investments, a role she has held since 2024. She has been with Fidelity Investments since 2020, progressing through various positions including Relationship Manager, Managed Account Support Specialist, High Net Worth Associate, and Customer Relationship Advocate. Her experience encompasses client relationship management and support within the financial services industry. Mariah holds insurance licenses in Arkansas and California. Outside of her professional role, Mariah has interests in golf, reading, skiing, surfing, tennis, and traveling.

General retirement planning Wealth management

Tiffany D

Series 66

Concord, NH

Edward Jones

Business ownership considerations Business succession planning General estate planning guidance General retirement planning Wealth management Founder/Business Owner Women Professionals

Paul B

Series 63, Series 65

Concord, NH

Merrill

Paul Brewer is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on building and maintaining relationships with clients, teammates, and community members, aiming to support clients through various financial challenges and goals. His expertise includes executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, managing new wealth, personal retirement planning, and tax minimization. Paul and his team prioritize understanding clients' unique situations and simplifying their financial lives through a foundation of team collaboration, advice, service, and transparency. Paul holds a Bachelor's Degree from Colby College and has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional role, he is involved in his community through organizations such as Simsbury Little League, Simsbury Youth Hockey, Simsbury Youth Soccer, and Valley Community Baptist Church.

General retirement planning Social Security optimization Medicare planning Wealth management General estate planning guidance Financial Professional
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