Cowan & Pacetti, Inc.
W. Scott Pacetti, CPA

Pace-Setting Financial Services
For St. Augustine Investors

136 Malaga Street
St. Augustine, FL 32084
904-824-8147  office
904-824-6066  fax

W. Scott Pacetti is a financial life consultant, helping natives and newcomers through investments, life insurance, tax, and financial and retirement planning services. He's an accessible, caring tax advisor who is there for the long haul, and whose knowledge and expertise can help you plan for many different needs and goals.

For the business owner or executive transitioning to retirement, or for the retiree wishing fewer unnecessary penalties and a better after-tax return, Scott will use a dozen years of applied knowledge to review all the details and interpret and abide by the Internal Revenue Code so you can benefit.

Scott can be the perfect consultant as you tie up the "loose ends" of your career exit, or even before as you set your retirement date and discuss the kind of lifestyle you want to lead. He'll offer you consistent, tax and financial services planning to make the transition to salary-free living smoother.

When should you roll over your retirement money - and what savings vehicles make the most sense? How should you schedule your income distributions? Scott's consultations and projections can allow you to roll over your nest egg and set distribution intervals.

Certain investments are more suited to financially conservative retirees than others. Scott can show you which ones may be appropriate for you, and help you allocate assets to promote the right mix of growth and income potential. He can also manage all or some of your invested assets to aid the growth potential of your portfolio.

Reviewing your life insurance is a practical step as you retire, because the policy you bought 20 years ago may not offer the right kind of coverage, and may have premiums that are too high for the coverage you're receiving. Scott can help you review your policy and give you an objective assessment of how well it suits your needs - if it's suited to those needs, he'll let you know.

Contact Scott today, and put the power of his integrated tax and financial planning to work for you, to set the right pace toward your retirement objectives.

Securities Disclosure Securities offered through
NEXT Financial Group, Inc., Member NASD, SIPC.

Cowan & Pacetti, Inc. is not an affiliate of NEXT Financial Group, Inc.