Cocozza Financial Planning

The firm provides financial planning and investment management services to individuals and families, likely with a focus on retirees, pre-retirees, and high-net-worth households. Its advisory model supports clients across life stages requiring coordinated portfolio management, retirement income planning, and estate strategies.

Portfolios are constructed using a mix of US equities, fixed income securities, mutual funds, and ETFs, with an emphasis on low-cost passive vehicles for core holdings. The firm employs disciplined rebalancing based on individual risk tolerance, time horizon, and financial goals.

As a registered investment adviser (RIA), Cocozza Financial Planning is bound by a fiduciary duty to act in the best interests of its clients, which includes full disclosure of fees and conflicts of interest.

Cocozza Financial Planning operates on a fee-only basis, charging clients a percentage of assets under management (AUM). It does not earn commissions from product sales, which aligns its revenue model with client asset growth.

Yes, retirement planning is a core service offering. The firm assists clients with IRA and 401(k) rollovers, retirement income projections, Social Security claiming strategies, and required minimum distribution (RMD) planning.

The firm primarily serves clients in its local region, though as an RIA it can accommodate clients from other states subject to registration requirements. Specific office locations are not publicly available.

The firm positions itself as an independent, client-focused advisory practice rather than a large institutional manager. This allows for more personalized service, direct principal-to-client interaction, and a fiduciary framework free from proprietary product mandates.