The Astorino Financial Group, Inc.

The Astorino Financial Group provides stand‑alone financial planning and consulting services to individuals and retirement plan clients, offering written plans and recommendations on investment, estate, insurance and tax‑related matters. The firm does not itself provide investment supervisory, portfolio management, reporting, or custody; clients who wish to implement recommendations can engage the firm’s representatives separately through LPL Financial or other providers.

The firm’s planning process relies on gathering client financial information, delivering a written plan or suggested course of action, and may use account aggregation tools (WealthVision/eMoney) to present client assets, including assets not managed by the firm. Astorino cites fundamental and charting analysis and may recommend both long‑ and short‑term securities, but it generally does not monitor client portfolios unless a client separately contracts for implementation services.

Noteworthy distinctions include that Astorino has no assets under management and invoices planning clients directly rather than using percentage‑of‑AUM fees, and it expressly disclaims custody or ongoing account supervision. The firm’s representatives also operate as registered representatives and investment adviser representatives of LPL and as licensed insurance agents (devoting a large portion of their time to those roles), a structure the brochure identifies as creating potential conflicts of interest when recommending implementation through LPL or commission‑based insurance products.