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 




March/April 2018

Reduce Your Taxes

If you invest in a retirement plan through your employer or a traditional IRA, you may not be aware of all the tax advantages. Here are a few reasons why you might want to increase your contributions to them.

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Time and Money

Time never matters more than when saving for a long-term goal. Retirement is most people’s longest-term goal. Here’s why time matters.

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Be Smart About Taxes

It’s tax time and you may be scrambling to document all of your tax deductions. The following are some often-overlooked areas where you might find tax savings, as well as a few habits that can help you save over the long term.

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When You Can't Work

If you work and especially if you are younger, your ability to earn a living is likely your greatest asset. Knowing this, consider how disability income (DI) insurance can help protect that asset.

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Teach Your Kids

When it comes to investing, you might want to emulate Warren Buffett, who is one of the world’s most successful investors. Despite his success, he is most comfortable buying equities he understands and whose products he often consumes rather than less familiar companies.

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Taxes in Retirement

As the tax filing deadline nears, talk naturally turns to the subject of reducing taxes on this year’s return. When investing for retirement, you could look at taxes in a different way:

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A Simple Retirement Benefit

Looking for a simple way you and employees can save for retirement? With so many options, deciding can be hard. But the SIMPLE (Savings Incentive Match Plan for Employees) IRA is one such plan, allowing employees and employers to contribute to IRAs set up for employees.

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Annuities for Retirement

While fixed annuities are not the most easily understood financial product, they are a component of financial security for many Americans in retirement.

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How much is Higher Education Worth?

Wondering if higher education is worth the high cost? The numbers in the accompanying graph show the value of continued education beyond high school. A Master’s degree, for instance, is worth about twice as much as a high school diploma.

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Submit FAFSA Earlier Now

The FAFSA is the federal government’s Free Application for Federal Student Aid. Most colleges require the parents of prospective and current students to fill out the form even if they are only applying for school aid and not federal aid.

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The Social Security Numbers Game

When will you begin taking monthly Social Security benefits? You qualify for full benefits once you reach full retirement age. That’s age 66 if you were born in 1954, rising to age 67 for those born in 1960 or later. But drawing Social Security early will reduce your benefits, while delaying can increase them.

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Buy or Rent?

If you’re young and starting out, home ownership may seem like an impossible dream. However, you can increase your chances by reducing your debt. Answer the following questions to see where you stand.

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College Tax Breaks

A college education isn’t cheap, but there are some tax-advantaged ways to save for this expense. Here are a few:

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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.