About Us

The journey with Ferrito & O'Gorman Financial Group begins with an initial introduction where we get to know each other better. During this meeting, we aim to understand your financial goals and needs while also sharing insights into our approach and services.

Following the initial meeting, we provide a complimentary retirement plan review. We meticulously walk through proposals tailored to help you achieve the goals discussed in our first meeting. This step ensures that we are aligned in our strategies and that your financial aspirations are at the forefront of our planning process.

Our commitment to your financial well-being extends beyond the initial stages. We believe in continuous collaboration and support, which is why we schedule at least two meetings per year to review and ensure that we are on track. These meetings involve in-depth benchmarking and monitoring of investment performance and fees.

We begin by defining goals in collaboration with our clients, setting clear objectives, evaluating current practices, and establishing key performance measures to effectively track progress. This step allows us to gain a deep understanding of our clients' financial aspirations and needs.

Following the goal-setting phase, we focus on developing and updating the Investment Policy Statement (IPS). We meticulously review the existing investment policy, making necessary updates and modifications to align with changing market conditions and client preferences. This ensures that our clients' investment strategies remain in line with their evolving financial goals.

We concentrate on designing a tailored investment menu for each client. This includes establishing a target date strategy, evaluating utilization and diversification of assets, and determining appropriate asset classes based on clients' risk tolerance and investment objectives. Our goal is to create a diversified portfolio that maximizes returns while managing risk effectively.

Benchmarking investments is another critical aspect of our process. We establish benchmarks to measure the performance of investments against industry standards, evaluate performance regularly, and monitor investments closely to identify underperforming assets. This proactive approach allows us to make informed decisions and optimize our clients' portfolios.

Our monitoring process involves removing poor performers and replacing them with more suitable options. This assessment is carried out during biannual investment committee meetings, where our team discusses investment performance, identifies areas for improvement, and implements necessary changes to enhance portfolio performance.

Finally, we maintain a formal investment committee comprising a select group of individuals, including ownership or key personnel. This committee plays a crucial role in overseeing the investment process, ensuring strategic decision-making, and maintaining accountability throughout the investment journey.