Michael Maglio Financial Services

Michael Maglio Financial Services Financial Services
Understanding Today’s Financial Environment Welcome, I’m Michael Maglio, a Financial Planner in Totowa, NJ. Member FINRA & SIPC.

We understand that individuals face unique challenges as they prepare for retirement. We can help take the mystery out of preparing for today and tomorrow. Whether you are investing for retirement, college savings or estate planning, our personalized service focuses on your needs, wants, and financial goals and objectives. Our professionals have years of experience in financial services. We can he

lp you address your needs of today and for many years to come. We look forward to working with you through all stages of your life, please call 973-406-5180. Securities offered through LPL Financial, a Registered Investment Advisor. www.finra.org
www.sipc.org

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: CA, DE, FL, LA, MA, MD, MI, NC, NJ, NY, OH, PA, TX, VA, VT. Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

Recent data regarding men's health highlight a critical reality that deserves closer attention:1 in 8 men will be diagno...
09/03/2026

Recent data regarding men's health highlight a critical reality that deserves closer attention:

1 in 8 men will be diagnosed with prostate cancer in their lifetime.

Excluding non-melanoma skin cancer, it stands as the most commonly diagnosed cancer in U.S. men. While that statistic is stark, the turnaround potential is incredible:

🚀 When caught early, the 5-year survival rate exceeds 99 percent.

Here are the most critical facts to know about risk and prevention:

◾ The Age Factor: Approximately 6 in 10 cases are diagnosed in men aged 65 or older.

◾ Family History: Risk increases for individuals with a father or brother who has battled the disease.

◾ The Silent Nature: Early-stage prostate cancer rarely shows any symptoms at all, making proactive screening the ultimate defense.

The American Cancer Society recommends speaking with a healthcare provider to make informed decisions about testing. This conversation typically begins at age 50 for average-risk individuals and earlier (around age 40 to 45) for those with a strong family history.

Consider sharing this information with a colleague, friend, or family member who might need a reminder to prioritize their next check-up.

The busier we feel, the worse we get at the very decisions that would liberate time. Shifting from "thin" to "deep" time...
09/02/2026

The busier we feel, the worse we get at the very decisions that would liberate time. Shifting from "thin" to "deep" time takes character—widening the space between stimulus and response.

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.That's not the headline you see on day ...
09/02/2026

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.

That's not the headline you see on day one.

You see the first-day pop. The company goes public, and its stock has averaged a 19 percent gain since 1980. Feels like a moment you should catch.

Here's what actually happens:

1️⃣ Institutional investors get the offering price before trading opens.

2️⃣ You buy at market open, after the move.

Then the real story starts.

🔎 This gap is based on research led by Professor Jay R. Ritter, who authored a 2026 report on IPO performance for the University of Florida. His analysis of 9,300 U.S. IPOs is one of the most comprehensive databases available.

Chasing IPOs can provide a thrill, but there are pros and cons.

A sound portfolio should reflect an investor's goals, risk, and time horizon. The risks of an IPO are not for everyone. 🎯

📋 Past performance does not guarantee future results. The return and principal value of IPOs and other stocks will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.

Defining retirement, education, and legacy goals can help shape financial decisions today. Visit https://www.michaelmagl...
09/01/2026

Defining retirement, education, and legacy goals can help shape financial decisions today. Visit https://www.michaelmaglio.com/ and start planning with purpose.

Reviewing key planning documents before fall can help reduce year-end stress and keep your financial life organized.http...
08/31/2026

Reviewing key planning documents before fall can help reduce year-end stress and keep your financial life organized.

https://www.michaelmaglio.com/

Financial planning is about balancing today’s priorities with future goals. Thoughtful preparation can help support both...
08/28/2026

Financial planning is about balancing today’s priorities with future goals. Thoughtful preparation can help support both.

https://www.michaelmaglio.com/

Two retirees can earn the same average return and have very different outcomes.Why?Because in retirement, timing matters...
08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?

Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk.

The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:

🔹 Where income will come from
🔹 How much cash or short-term reserves make sense
🔹 Which accounts to draw from first
🔹 When to rebalance
🔹 How RMDs and Social Security fit into the withdrawal strategy

Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $3...
08/26/2026

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $30 trillion, according to a landmark 2020 study by McKinsey & Co.

That shift is already underway.

More women than men now graduate from college. Women-owned businesses generate more than $2.7 trillion in annual revenue.

And because women statistically live longer than men, many also manage the final, and often most complex, chapter of a family’s financial life.

The numbers tell an important story:

🔸 Women make or influence a growing share of household financial decisions.

🔸 Yet many still report feeling less confident, less heard, and less well served by traditional financial preparation.

🔸 That gap isn’t about ability. It is about whether the guidance, questions, and process reflect the realities of modern wealth.

Today is Women’s Equality Day.

A financial strategy should reflect the life being built and the goals that matter most for women and men alike: family dynamics, longevity, business ownership, caregiving, legacy, and the financial decisions that shape what is possible.

Does yours?

There is usually no single moment when the roles begin to shift with aging parents.A confusing medical bill.A missed pay...
08/25/2026

There is usually no single moment when the roles begin to shift with aging parents.

A confusing medical bill.
A missed payment.
A scam text that almost got clicked.

When and how do you step in without taking over?

The goal is not to take control.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure.

One potential conversation starter you could try…

“We are reviewing our own estate documents and realize we should understand where everything is.”

Sometimes, that is enough to open the door.

The families who tend to feel best about how this chapter goes are the ones who approached it as a proactive exercise rather than a response to a problem.

We are glad to be part of that process at whatever stage a family is ready to begin.

Address

999 Riverview Drive, Ste 201
Totowa, NJ
07512

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

+19734065180

Website

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