Retirement & Planning Services

Retirement planning utilizing insurance products allows us to include fixed annuities and guaranteed income plans to enhance cash flow as well as wealth transfer strategies to protect and preserve your assets for the next generation.

Retirement Accounts

We offer a competitive line of retirement products, including:

  • Individual Retirement Accounts
  • Traditional, Roth and Rollover individual retirement accounts (IRAs)
  • Employer-Sponsored Retirement Plans
  • Small Business Retirement Plans
  • Simplified Employee Pension IRA (SEP IRA)
  • Savings Incentive Match Plan for Employees (SIMPLE IRA)
  • Low Cost Mutual Fund Only Option for SEPS and SIMPLES
  • Individual 401(k) plans
  • 401(k) Plans and 403(b)(7) Custodial Accounts
  • Profit Sharing Plans
  • Money Purchase Pension Plans
  • Corporate Executive Services – We offer Corporate Executive Services that provide support of cashless employee stock option exercises, restricted and control stock transactions and securities‐based lending opportunities.

Planning Services

Living well in the future relies on planning well today – and planning well today begins with the professionals at Bernard Herold & Co.

At Bernard Herold & Co, we work with individual investors to create a personalized investment strategy that is specifically designed around you – for you. Our professionals determine an investment strategy that best suits your personal financial goals, tolerance for risk and cash flow need.

We consider all aspects of your life to help you effectively plan to meet current needs as well as future objectives. As your life evolves, we are with you every step of the way.

Bernard Herold & Co. has thrived for over three decades – through many market cycles – by preserving and enhancing our clients’ portfolios. Our top priority is our clients’ growth and security, no matter what the market climate. We always place our clients’ needs and goals above all other considerations, without hesitation or compromise.

Insurance Products

Herold Insurance Agency, Inc. was founded in 1987 as an independent insurance agency focused on providing the risk protection necessary for dealing with life’s challenges. We offer consultations in various sectors to businesses and individuals, in life insurance, health, disability and long-term care solutions, to fit the financial planning needs of our clients.

Bernard Herold has been active in the retirement & planning services since its inception. Our experienced staff of advisors welcome a discussion with you on your retirement needs and plans, then will help you to develop the appropriate strategies. Call us for an appointment to review your portfolio.

Disability

We can help you protect one of your most valuable assets, your earning potential.

Long-Term Care

Making sure your taken care of in your golden years is no easy task today. We represent some of the highest rated carriers in the long term care insurance (LTC) arena. LTC insurance helps pay for the rising cost of long term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Group Health

We can help your business navigate the complex world of group benefits, With ever changing laws governing this area you need someone you can trust to help you navigate the complex world of group benefits. We offer Health, Dental, Vision and disability/life products for groups. We are licensed brokers for the NY State of Health Insurance Exchange.

Annuities

We assist in determining if an annuity is suitable for your future income needs and if so which type will be best for your individual circumstance. Annuities can be complex products, we can also help analyze current annuity contracts to determine your best course of action.

Our Insurance Team

Mario J. Giammarco, President

B.S. in Electrical Engineering from NY Institute of Technology. Served in the US Army Reserve National Guard as a Captain. A member of the International Association of Financial Planning and has been published. Joined BH & Co. in 1985 from Merrill Lynch. Currently a member of the Foundation Board at Staten Island University Hospital – Northwell Health, and is a past Chairman of the Staten Island Chamber of Commerce, past President of the Staten Island Rotary Club and past Director of the Italy-America Chamber of Commerce.

Mario J. Giammarco Jr., J.D./M.B.A.

Mario is a graduate of Wagner College with a B.S. in Business Administration and an M.B.A. in Management. He then went on to earned his J.D. from Touro College – Jacob D. Fuchsberg Law Center and is admitted to practice law in New York. He has presented to numerous professional groups and organizations on the importance of insurance in financial, retirement and business planning. Mario is a member of the Staten Island Chamber of Commerce, National Ethics Association, Casa Belvedere Italian Cultural Foundation and the Richmond County Bar Association.

 

Bernard Herold & Co., Inc.

Bernard Herold & Co., Inc.