J. Michael Graziano – Financial Advisor & Advocate

Personal Notes

In working with clients for nearly 40 years, my goal has always been to help them make well informed, practical decisions regarding their financial security. Because our economic and financial world is becoming more complex each day, working with a trusted adviser for your financial security planning is more important today than ever. Technology has given us access to virtually unlimited information. However, helpful as this is, each person’s financial situation is unique and in constant motion requiring understanding, insight, and objectivity in making financial decisions. My role as an Adviser and Educator is to guide you through the ever changing personal, family, and business financial situations as they arise; and to help you understand and manage the evolving tax laws and economic conditions that will affect you. Learning, planning, and adapting to financial changes are essential in “helping you choose the right direction” as you navigate your personal financial crossroads.

Bio

J. Michael Graziano, is the Founder of Crossroads Financial Solutions. He has nearly 40 years of experience in financial services combining private practice along with both corporate and public financial education seminars and workshops. He has been recognized as an outstanding financial educator by numerous company and corporate sponsors. In addition, Michael has devoted much of his career in pursuing the highest levels of his own professional education. By completing rigorous financial education programs through The American College of Financial Services, he has earned the following professional designations:

CLU; Chartered Life Underwriter*
ChFC; Chartered Financial Consultant*
REBC; Registered Employee Benefit Consultant*
RHU; Registered Health Underwriter*
CLTC; Certified in Long Term Care
CASL; Certified Advisor in Senior Living*
LUTCF; Life Underwriter Training Council Fellow*
CHHC; Chartered HealthCare Consultant*
CFEI; Certified Financial Education Instructor
*The American College of Financial Services

Michael established Crossroads Financial Solutions to provide Financial Educational programs to individuals and organizations that are designed to help people make sense of their complex financial lives. By using proven educational and teaching models, he is able to create a learning environment free of the intimidating aspects of personal finance.

The President’s Advisory Council on Financial Literacy defines personal financial literacy as “the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being.” (2008 Annual Report to the President)

Michael’s goal is to empower others by transferring his knowledge and experience in personal financial education helping them to acquire and build the skills necessary to evaluate and make confident, sound financial decisions for themselves.