Question 1

Why should I choose you as my financial advisor?

Accepted Answer

You should choose me as your financial advisor because I bring over 18 years of experience and a commitment to providing personalized, client-focused advice. As the Founder of Integrity Point Advisors, I work as a fiduciary, meaning your best interests always come first. Unlike large firms with revolving personnel, I am your dedicated advisor, offering direct access to my personal phone number and responsive service.

My approach is rooted in integrity, transparency, and tailored strategies designed to align with your unique financial goals. Whether you're planning for retirement, managing investments, or looking for tax-efficient strategies, I bring the expertise, reliability, and personalized attention necessary to help you achieve long-term financial success.

Question 2

What are your qualifications? What is your education background?

Accepted Answer

Dino Pagiazitis is a seasoned financial advisor with over 18 years of experience in the financial services industry. He has worked with prominent institutions such as Merrill Lynch, Citigroup Global Markets, and TD Ameritrade, where he gained extensive expertise in portfolio management, retirement planning, and tax-efficient investment strategies.

Dino is committed to serving clients as a fiduciary, ensuring their best interests are always the priority. His deep understanding of financial markets, coupled with his personalized approach, empowers clients to make informed decisions about their wealth.

Dino holds a Bachelor's degree in Business Management from William Paterson University. His education provided a strong foundation in financial analysis, strategic planning, and leadership, which he has applied throughout his career to help clients achieve their financial goals.

Question 3

How do you charge for your services?

Accepted Answer

I charge for my services through a transparent, fee-based structure. This includes:

Assets Under Management (AUM): A percentage of the assets I manage for you, providing ongoing investment management and financial planning.

Fixed Fees: A set dollar amount paid in advance for a specific number of prepaid financial planning hours, ideal for clients with targeted needs.

There are no additional trade fees, platform fees, or custody fees. All costs are clearly outlined during our initial consultation, ensuring complete transparency and alignment with your goals.

Question 4

How are you compensated? How will I pay for your services?

Accepted Answer

I am compensated through a fee-based structure. This includes either a percentage of assets under management (AUM) for ongoing investment management or a fixed dollar amount paid in advance for a specific number of prepaid financial planning hours. There are no additional trade fees, platform fees, or custody fees. All costs are transparent and outlined clearly during our initial consultation.

Question 5

If you are going to manage my account, will you obtain my permission every time you buy or sell something?

Accepted Answer

We provide discretionary management, meaning we make investment decisions on your behalf to manage your portfolio efficiently. However, if requested, we will make a best-efforts basis to discuss any changes in advance. This ensures a balance between proactive management and keeping you informed.

Question 6

Will you be the only person working with me?

Accepted Answer

Unlike many large firms where clients often deal with a revolving door of personnel, I will be your dedicated advisor from start to finish. You'll have direct access to me through my personal phone number, ensuring prompt and personalized service whenever you need it. I pride myself on being highly accessible and responsive - you'll never be placed on hold or worry about being reassigned to someone new. My focus is on building a lasting relationship with you, providing consistency, trust, and exceptional service every step of the way.

Question 7

Do you offer any guaranteed results?

Accepted Answer

Of course not- and you should be very wary of anyone who claims to offer guaranteed results. While no investment is without risk, we do offer strategies that are designed to be safer and more stable, depending on your individual needs and goals. Our focus is on creating a plan that aligns with your objectives while managing risk appropriately.

Question 8

How much risk should I be willing to take?

Accepted Answer

The amount of risk you should take depends entirely on your goals, needs, and comfort level. Determining this is a key part of our process. Through a behavioral finance approach, we help you find the right balance between what is necessary to achieve your objectives and what you are most comfortable with. Once we establish this balance, we create a plan and stick with it to ensure you feel confident and secure in your financial journey.

Question 9

Have you ever been charged with any breaches?

Accepted Answer

Absolutely not. I pride myself on maintaining the highest level of ethics and integrity in my work, and I plan to keep it that way. My commitment to honesty and transparency is the foundation of the trust my clients place in me.

Question 10

What services do you provide?  What are your specialties?

Accepted Answer

At Integrity Point Advisors, I offer a range of financial services tailored to your needs, including:

Financial Planning: Customized plans for short- and long-term goals.

Investment Management: Strategies to grow and protect your portfolio.

Retirement Planning: Plans to secure your retirement and maximize benefits.

Tax Planning: Strategies to minimize taxes and maximize savings.

Insurance Planning: Identifying risks and recommending solutions.

Estate and Trust Planning: Protecting and distributing assets as desired.

I specialize in working with retirees and pre-retirees to help them generate income, manage risk, and plan for a successful retirement. My personalized approach ensures that every strategy aligns with your goals and provides financial security.

Question 11

What financial institution(s) do you represent?

Accepted Answer

I operate as a DBA under the name Integrity Point Advisors, which is part of the firm Gladstone Wealth Partners. For client asset custody, we utilize Fidelity and Schwab, ensuring security and reliability for your investments.

Question 12

What is your approach to financial planning?

Accepted Answer

My approach to financial planning follows a structured 5-step process:

1. Understand Your Financial Situation: We start by gathering details about your income, expenses, assets, and liabilities.
2. Set Clear Goals: Together, we define your financial objectives and priorities.
3. Develop a Customized Plan: I create a tailored strategy based on your needs, including budgeting, saving, investing, and managing risk.
4. Implement the Plan: We put the plan into action and coordinate with other professionals as needed.
5. Monitor and Adjust: Regular reviews ensure the plan stays aligned with your goals, adapting as your circumstances change.
I incorporate behavioral finance to balance what's necessary to achieve your objectives with what you're comfortable with, ensuring a plan you can confidently stick to.

Question 13

What services do you offer?

Accepted Answer

At Integrity Point Advisors, we offer a range of personalized financial services tailored to your unique needs, though not all services are appropriate for every investor. These include:

Financial Planning: Customized plans to help you achieve your short- and long-term financial goals.

Investment Management: Strategies to grow and protect your portfolio while aligning with your objectives.

Retirement Planning: Plans to secure your retirement and maximize employee benefits.

Tax Planning: Strategies to minimize your tax burden and maximize savings.

Insurance Planning: Identifying risks and recommending the right insurance solutions.

Estate and Trust Planning: Ensuring your assets are protected and distributed according to your wishes.

Question 14

What is your approach to 401 K plan rollovers?

Accepted Answer

Our approach to 401(k) plan rollovers is education-focused. We outline all your available options, providing clear, unbiased information to help you make an informed decision that's in your best interest. We take care to avoid influencing your choice, ensuring you feel confident and empowered to decide what works best for your financial goals.

Question 15

How long does the process of rolling over a 401K plan usually take?

Accepted Answer

The process of rolling over a 401(k) plan typically takes anywhere from one week to several weeks. The timeline depends on factors such as the third-party administrator (TPA), custodian, plan provider, and your employer's processing times. We'll guide you through each step to ensure the process moves as smoothly as possible.

Question 16

What financial institutions do you represent?

Accepted Answer

I operate as a DBA under the name Integrity Point Advisors, which is part of the firm Gladstone Wealth Partners. For client asset custody, we utilize Fidelity and Schwab, ensuring security and reliability for your investments.