Marty Muratore, M.A.Financial Professional
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Serving Long Island & throughout New York

Start with what matters to you. Then make it actionable.

You may know what you want to accomplish without knowing the most appropriate way to get there.

Marty helps individuals, families and business owners understand their choices, receive practical advice and recommendations, and turn important financial goals into realistic courses of action based on their needs, circumstances and priorities.

With more than 25 years in financial services, Marty helps clients move from “What should I do?” to clear, practical next steps—comfortably and methodically.

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Marty Muratore, Financial Professional in Melville, NY, reviewing retirement income options with a Long Island couple

Financial Advice for Real Life

Clear Choices · Goals Put Into Action

How Marty Can Help

Start with the outcome, not the product.

An important financial decision usually begins with something you want to accomplish—not with a product. Perhaps retirement is getting closer. You've changed jobs and have an old 401(k). Your family has new responsibilities. You're caring for a loved one with special needs. Your business has grown. Or you're thinking about what you would like to leave to the people and causes that matter to you.

That's where Marty can help.

You don't need to know which financial strategy or solution you need before you call. Sometimes people come to Marty asking for a particular solution because a friend used it, they read about it, or someone told them it was something they “should” do. That may be a useful place to begin—but it doesn't necessarily mean the same solution is appropriate for you.

Marty starts with what you want to accomplish. He considers your needs, circumstances, priorities and preferences, explains relevant choices and tradeoffs, and provides advice and recommendations intended to help you pursue your goals with your best interests at the center.

Then comes the part that matters: turning the strategy into action.

Areas Marty can help you explore

About Marty

Experience that helps turn goals into action

Martin “Marty” Muratore, M.A., is a Financial Professional with more than 25 years of experience in financial services. Licensed since 1999, he has served clients throughout Long Island and New York City, with an office in Melville, NY.

His approach is straightforward: understand the outcome first. What are you trying to accomplish? What responsibilities need to be considered? What resources do you already have? What may be getting in the way? And what choices could realistically move you closer to where you want to be?

Clients do not need to arrive knowing which product or strategy they need. A requested solution may not always be the most suitable way to reach the desired goal. Marty helps separate the goal from the product, explains relevant choices in understandable language, identifies considerations that may have been overlooked, and recommends appropriate strategies and solutions.

When legal, tax, benefits or other professional expertise is needed, Marty can work appropriately alongside the client's other professional advisors. The objective is a course of action that is understandable, realistic and doable—and a client who knows what comes next.

25+ Years

Experience in financial services

Long Island & New York City

Relationship-based service

Services

Financial and insurance solutions—organized around what you want to accomplish

Some visitors know exactly what they are searching for: life insurance, term insurance, retirement income, an old 401(k), employee benefits, or a business succession strategy. Others simply know what they want to make happen. Either is a good place to begin.

Retirement Transitions & 401(k) Rollovers

A job may end. Your retirement strategy doesn't.

Changing jobs, retiring, being laid off or simply discovering an old employer retirement account can create decisions that deserve more consideration than, “Where should I move the money?”

Depending upon your circumstances, choices may include leaving assets in a former employer's plan, moving them to a new employer plan if permitted, rolling them into an IRA, or taking a distribution. But the transaction isn't the real question: what do you need this money to accomplish?

Marty can help you review the choices and consider relevant factors such as costs, available services, investment choices, plan features, tax considerations, protections, liquidity needs and how the decision fits with your broader retirement objectives.

Review Your Rollover Options

Conversations may include:

  • Retirement income strategies
  • 401(k) rollovers
  • IRA rollover considerations
  • Retirement savings and distribution conversations
  • Risk and income considerations

Individuals & Families

Make the financial pieces work toward what matters to you.

Family financial decisions rarely exist in isolation. Preparing for retirement may affect decisions about income and risk. Protecting a family may involve considering what happens if income stops unexpectedly. Helping children or grandchildren may need to be balanced against your own future needs.

Life insurance can serve different purposes at different stages of life. Marty begins with the need — who or what needs to be protected, for how long, and what outcome the coverage is intended to support — before considering an appropriate solution.

No-Cost Will & Trust Services for Clients

For many families, getting important estate documents completed is something they know they should do—but continue to postpone. For eligible clients, access to no-cost will and trust services may be available as an additional client resource.

Marty does not provide legal advice or prepare legal documents. Ask Marty whether this client resource may be available to you.

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Conversations may include:

  • Life insurance strategies
  • Term life insurance considerations
  • Permanent life insurance considerations
  • Retirement income strategies
  • Risk strategies
  • Wealth transfer strategies
  • Long-Term Care insurance
  • Education funding strategies
  • 401(k) rollover considerations

Special Needs Families

Planning for a lifetime means looking beyond a single financial decision.

When someone you love has special needs, financial decisions can affect more than money. Families may be thinking about future care, government benefits, beneficiary decisions, education and transition, housing, employment, family resources, long-term support, and who may someday assume responsibilities now handled by a parent or caregiver.

Marty helps families bring the financial and insurance considerations into focus, understand how different decisions may affect one another, and identify practical steps based upon the family's priorities and the individual's needs and circumstances.

Where legal, tax, benefits or other specialized professional guidance is required, Marty works appropriately with those professionals rather than attempting to replace them. You don't need to have everything figured out before beginning.

Start a Special Needs Conversation

Business Owners & Family Businesses

You built the business. What do you need it to do next?

Business owners rarely have only “business” financial decisions. The business may support a family, employees, partners and eventually retirement. A key employee may be difficult to replace. An owner's death, disability, retirement or departure may affect far more people than the owner alone.

Marty helps business owners identify what they want to accomplish, understand relevant financial and insurance strategies, and put appropriate solutions into action.

Start with the Business Outcome

Business conversations may include:

  • Employee benefits
  • Key person insurance
  • Buy-sell agreements*
  • Cross-purchase agreements*
  • Employee whole life
  • Employee healthcare solutions
  • Retirement strategies
  • Business succession strategies
  • Asset protection considerations

*Buy-sell and cross-purchase arrangements may be funded with life insurance where appropriate.

Charitable Giving

When what you have built can help accomplish something you care about.

Charitable giving deserves its own conversation. For some people, giving is about helping an organization today. For others, it is about creating a legacy, remembering an institution that has mattered to them, or finding a thoughtful way to balance charitable intentions with responsibilities to family.

Marty helps individuals and families explore charitable-giving strategies in the context of what they want their resources to accomplish. He can also work appropriately with charitable organizations and a donor's legal, tax and other professional advisors when a situation calls for coordinated expertise.

What would you like your giving to make possible?

Start a Charitable Giving Conversation

Not sure where to start?

A complimentary conversation can clarify your priorities.

Complimentary Conversation

Why Work With Marty?

Advice should lead somewhere.

Start with your outcome

The first question isn't “What product do you want?” It's “What are you trying to accomplish?”

Consider what actually fits

A strategy that worked for a friend, colleague or family member isn't automatically appropriate for you. Your circumstances matter.

Understand the choices

Marty explains relevant strategies, risks, costs, benefits and tradeoffs in plain language so you can make an informed decision.

Get advice—not just information

Information tells you what choices exist. Advice helps you consider which choices may be appropriate for your situation, with your best interests at the center.

Make it doable

A recommendation has limited value if it never becomes action. Marty helps translate appropriate strategies into practical next steps, implemented comfortably and methodically.

Revisit when life changes

A good decision today may need to be reconsidered as your family, business, responsibilities, resources or goals change.

What Working With Marty Looks Like

From what you want—to what you can do about it.

  1. 01

    Define the Outcome

    What would you like to accomplish? Start with the result—not the financial product you think you may need.

  2. 02

    Understand the Situation

    Review the relevant circumstances, existing resources, responsibilities, priorities, preferences and unanswered questions.

  3. 03

    Consider the Choices

    Understand the available strategies, including important benefits, risks, costs and tradeoffs.

  4. 04

    Get a Recommendation

    Marty brings professional judgment, advice and experience to the information you've provided and recommends appropriate strategies and solutions based upon your individual circumstances.

  5. 05

    Put It Into Action

    Turn the decision into practical next steps and move forward comfortably and methodically.

  6. 06

    Revisit When Needed

    Life changes. Businesses change. Families change. Your financial strategies can be revisited as your circumstances and objectives evolve.

FAQ

Questions people often bring to Marty

What does a Financial Professional do?

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A Financial Professional helps clients understand financial and insurance choices, provides advice, and recommends appropriate strategies and solutions based on individual needs and circumstances. With Marty, the conversation begins with what you want to accomplish - not with a predetermined product.

Do I need to know exactly what I need before contacting Marty?

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No. Determining what may be appropriate is part of the work. Tell Marty what is happening, what you want to accomplish, and what has been difficult to figure out. He can help you organize the relevant information, consider the choices and identify practical next steps.

What if I already know what product or strategy I want?

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That is useful information, but the requested solution may not necessarily be the most suitable way to accomplish your goal. Marty will want to understand what you want the strategy to do, consider your circumstances and relevant alternatives, and then recommend an appropriate course of action.

What should I do with an old 401(k)?

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Depending on your circumstances and plan rules, choices may include leaving the account in the former employer plan, moving it to a new employer plan if accepted, rolling it to an IRA, or taking a distribution. Before acting, consider relevant fees, services, investment choices, plan features, tax treatment, protections and access needs.

When should I start thinking about retirement income?

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Before you need to make all of the decisions at once. Retirement isn't only about accumulating money. It also raises questions about income, risk, liquidity, taxes, longevity and how different resources may work together. A conversation can begin with what you want retirement to look like and what you already have in place.

How do I know what type of life insurance to consider?

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Start with the need: who or what are you trying to protect, for how long, what financial responsibility needs to be addressed, and what can comfortably fit your circumstances? Marty can help you compare relevant life insurance strategies and recommend an appropriate solution.

Does Marty work with business owners?

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Yes. Business conversations may include employee benefits, key person insurance, buy-sell and cross-purchase arrangements, employee whole life, retirement strategies, succession strategies and asset protection considerations.

Does Marty work with special needs families?

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Yes. Special needs planning is a particular area of Marty’s work with individuals and families. He helps organize relevant financial and insurance considerations and coordinates appropriately with legal, tax, benefits and other professionals when their expertise is needed.

Can Marty help with charitable giving?

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Yes. Charitable giving is a separate area of Marty’s work. The conversation begins with what you would like your giving to accomplish and then considers strategies that may be appropriate to your circumstances.

Are no-cost will and trust services available?

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Eligible clients may have access to no-cost will and trust services as an additional client resource. Marty does not provide legal advice or prepare legal documents. Ask Marty about availability and how the service works.

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What would you like to see happen?

You don't need to know the solution before reaching out. Perhaps you know exactly what you want to accomplish but aren't sure how to get there. Perhaps you have been told something is too complicated or too expensive. Perhaps you have several choices and aren't sure which one makes sense for you.

Tell Marty what you would like to accomplish—or what you would like to make easier. Together, you can determine what deserves attention, what may realistically be possible, and what practical next step makes sense.

Voice516-847-4055Secure Text631-380-4331mmuratore@ft.newyorklife.comOffice520 Broad Hollow Road, Melville, New York 11747

Your information is kept confidential.