Team Process. Personalization. Problem Solving.That’s what powers the Plus in Personal Financial Management. While committed to providing the best financial strategies, we are equally driven to help bring clarity and confidence to your financial life. Since 1985, our specialists have helped clients in all stages of life identify their goals and build a trusted roadmap to achieving them. Based in Lynnfield, we proudly serve clients across Massachusetts, southern New Hampshire, and throughout New England. As veterans of the financial world, we know that sustainable financial success requires more careful attention than quick-fixes and cookie-cutter solutions. That’s why we work with individuals, families, and business owners who seek long-term relationships and a comprehensive approach to wealth management. To us, it’s not just about planning; it’s about partnerships.Whether working with families or firefighters, millennials or retirees, or individual investors and business owners, we deliver best-in-class advice and strategies in an authentic, approachable environment. Our expert advisors dedicate over 55 years of combined experience to crafting strategies that secure your financial future and stand the test of time. Richard Biagiotti, MBA, CFP ®, CLTC President (800) 287-6277 (781) 477-0451 [email protected] Northeastern University, B.S. Math/Ed. Suffolk University, MBACertified Financial Planner™Securities LicensedLife Insurance Licensed: Life, Health, Long Term CareRetired City of Lynn FirefighterMember of Lynn Retirement BoardAs President and Founder of the firm, Richard Biagiotti brings decades of experience and business perspective to clients. Drawing on over 33 years of leadership in the financial services industry, Richard founded Personal Financial Management Plus to provide clients with a truly unique and customized approach to planning. He is proud to have guided the firm to decades of prominence and a continuousBetter Business Bureau rating of A+.Having worked across multiple industries, from serving as a professional firefighter to working in the technology sector, Richard understands the universal value of sound financial planning. Whether assisting individuals, families, or business owners, Richard dedicates his expertise to tailoring solutions to his clients’ unique situations. While working closely with clients, Richard also spearheads the strategic vision of the firm, accounting and financials, and much more. In addition to his MBA and FINRA Series 7 & 63 securities registrations, Richard holds the industry’s highest certifications including the CERTIFIED FINANCIAL PLANNER (CFP®) designation, the Certified Long-Term Care (CLTC) accreditation, and the Certified College Planning Specialist (CCPS) designation. He is also a licensed real estate and life, accident, health, and property & casualty broker. Richard truly lives and breathes his profession as a financial planner. When he’s not at the office, he often dedicates his time to speaking about college funding and financial security at various public venues and schools. In his free time, he looks forward to hiking, walking, and following the latest trends in technology. He especially enjoys researching new and innovative approaches to financial success for his clients. Chris Fogarty Financial Consultant (800) 287-6277 (781) 477-0451 [email protected] St. Anselm College, B.A.Lifelong Lynn ResidentSecurities RegisteredLicensed to do business in MALife Insurance LicensedMarketing Manager: Investors Capital of Lynnfield, 1997-2004A veteran of the financial industry, Christopher Fogarty plays an integral role in the success and security of his clients. While working closely with Richard Biagiotti, Christopher serves as a Registered Representative and leading Financial Consultant with over 22 years of experience. Prior to joining Personal Financial Management Plus, Inc., he worked for a number of the industry’s most prestigious firms, including Putnam Investments and Investor’s Capital. Since partnering with Richard, he has enjoyed the unique opportunity to provide solutions tailored to his clients’ best interests. Thriving in a number of financial disciplines, he specializes in everything from family financial planning to education strategies, retirement planning, and more. Christopher currently holds the FINRA Series 6, 7, 63, 65, & 24 securities registrations. Outside of the office, he looks forward to spending time with his family, playing sports, and following the latest developments in the political world.