Insurance & Asset Management
Dan Pecoraro builds retirement plans around four disciplines — roth conversion strategies, money management, lifetime income, and principal protection. Three decades of fiduciary work, focused on one number that matters: your net result.
Dan Pecoraro founded 111 Wealth Group on the belief that navigating a proper retirement means disinheriting the IRS, and balancing wealth management between professional asset management and principal protection.
Roth conversion strategies, wealth management, lifetime income, and principal protection — the disciplines Dan leans on to make your retirement more predictable and far less volatile.
Convert pre-tax retirement dollars to Roth over time and build a stream of income the IRS can never tax again. We fill partial brackets year by year, diversify your tax exposure, soften future required distributions, and leave your heirs a cleaner, more tax-efficient legacy.
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As an Investment Advisor Representative through an independent Registered Investment Advisor, we answer to you — not a wirehouse. That independence opens a broad universe of funds and equities so we can build cost-efficient, institutional-style portfolios tuned to your risk tolerance and goals.
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Map a sustainable paycheck that lasts as long as you do. We optimize Social Security timing, weigh pension options, and plan for spousal survival, inflation, and taxes — so the income you rely on keeps flowing no matter how long retirement runs.
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Shield the foundation of your retirement from market downturns and sequence-of-returns risk. Through conservative allocations, insurance-based vehicles, and structured approaches, we work to protect what you have built while still leaving room for measured growth.
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Compass Financial Management LLCFinancial Education
Every retirement plan we build addresses these six risks head-on — because ignoring any one of them can quietly undo decades of saving.
As lifespans lengthen, the real risk becomes outliving your money. We plan for a retirement that lasts decades, not years.
A rising cost of living quietly erodes real purchasing power. Your plan needs to grow ahead of inflation, not just keep pace.
The loss of a spouse can mean a sudden drop in income or assets. We help ensure the surviving partner stays secure.
Life is unpredictable. Fast access to cash for the unexpected keeps you from being forced to sell at the wrong time.
A downturn hitting asset values right when you withdraw can do lasting damage. We build buffers to weather that timing.
Rising tax rates can shrink both your income and your legacy. Proactive tax planning helps you keep more of what you have built.
No jargon, no pressure — just a structured conversation that turns your goals into a living plan.
We start by listening — what you want your wealth to do, the life you envision, and the concerns that keep you up at night.
We review your assets, income, taxes, insurance, and estate documents to see exactly where you stand today.
From that picture we design a tailored roadmap — addressing income, taxes, protection, and legacy in one coordinated strategy.
We put the strategy in motion, coordinating accounts, policies, and allocations so every piece works together.
Life and markets change. We meet regularly to review progress and refine the plan as your circumstances evolve.
A no-obligation conversation about your goals, your concerns, and the plan that can get you there with confidence.
No obligation. No pressure. Just a clear conversation.
