Michael A. Milazzo, CLU, ChFC

Registered Principal


The Meridian Financial Company

556 W Jericho Tpke, Suite 2, Smithtown, NY 11787


Phone:  631-979-4223

Fax:      631-656-8199 




July/August 2018

Keeping Up with Inflation

Safe can be risky when you don’t invest with a strategy that helps your portfolio potentially keep up with inflation. There are steps you can take, though, to possibly lessen some of the effects of inflation, wherever you are in your investing life.

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Knowledge is Power

When buying bank CDs, insurance or mutual funds, bumps in the road are less likely to derail an educated investor than one without information. If you’re serious about your investments, even if you only own a 401(k), understand everything you can about them, including:

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Beyond Plan Defaults

If you have a 401(k) plan at work, you have a powerful vehicle through which you can save for retirement. Today, more employers are offering automatic tools to help participants put money away into their 401(k)s. While these work for many employees, they may not be right for you. Here’s a look at some of these auto tools and ways you might improve on them.

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College Debt vs. Retirement Savings

Much has been made of Millennials’ increasing college debt load. Complicating matters, rents are often high, while wages are generally lower when starting out in the work world. In this environment, paying off college debt and saving for retirement becomes a seemingly impossible puzzle to solve.

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The ABCs of Insurance

Life insurance terminology is often difficult to understand. Here’s an explanation for some puzzling insurance phrases so that you’ll know what they mean.

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Planning Your Legacy

Most people want to make their mark in the world and to be remembered when they are gone. Good deeds, love and financial generosity can help build a legacy. There are few better ways to achieve the financial aspect of creating a legacy than using life insurance to benefit loved ones, a cherished organization or a beloved cause.

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Do an Insurance Audit

While most businesses have basic property and general liability insurance, they may have risk exposures elsewhere. Conduct an insurance audit to find out where.

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Protect that Exclusion

While Congress doubled the federal estate tax exemption with the passage of the Tax Cuts and Jobs Act of 2017, a couple who files taxes jointly can still lose a portion of the exclusion if they don’t create a strategy to maximize the full amount. A credit shelter trust, also known as a bypass trust or AB trust, is one such strategy.

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Charitable Benefits

If you still itemize your taxes after the passage of the Tax Cuts and Jobs Act of 2017, donating to qualified charities just became more financially attractive for you.

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Alert, Freeze or Lock

With identity theft becoming more common in the wake of high-profile website hacks, it is important to take steps that safeguard your online information. Here are some ways:

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Summer Money Tips

With vacations, half-day Fridays and other time off during the summer, it’s easy to spend more money than you intended on leisure activities. You can prevent overspending and still enjoy the extra time off by taking actions that include:

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Why We Travel

With some 1.7 billion personal trips taken by domestic and international travelers during 2016, traveling for leisure is a popular endeavor. Have you ever wondered what so many people do when traveling, aside from business? Here are the top activities, courtesy of the U.S. Travel Association:

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Back to School

Before you know it, summer will end and the kids will head to school. Parents know this is a costly exercise. So does the National Retail Federation, which estimates back to school spending at more than $83 billion in 2017.

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Michael A. Milazzo is a Registered Representative of and offers securities through Cadaret, Grant & Co, Inc, a member of FINRA and SIPC. The Meridian Financial Company and Cadaret, Grant are separate entities. I am registered to sell Securities in the following States: NY, PA, NC, FL, CO, ID.
The Meridian Financial Company and LTM Client Marketing, Inc. are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

The information and opinions contained in this web site are obtained from sources believed to be reliable, but their accuracy cannot be guaranteed. The publishers assume no responsibility for errors and omissions or for any damages resulting from the use of the published information. This web site is published with the understanding that it does not render legal, accounting, financial, or other professional advice. Whole or partial reproduction of this web site is forbidden without the written permission of the publisher.