Alina Parizianu

CFP®, MBA
Personal Finance, Retirement, Investing
86%
Helpful
31
Answers
2
Articles
23
Followers
“Alina Parizianu, CFP (R) provides independent comprehensive financial planning and investment management, while promoting financial literacy and focusing on forming long-term relationships with her clients.”
Firm:

MMBB Financial Services

Job Title:

Financial Planning Specialist

Biography:

Alina has over 14 years of experience in the financial services industry. Previously, a Vice President and Credit Portfolio Manager with a major European investment bank in New York, Alina held major roles in investment banking, ranging from portfolio management and risk underwriting to investing in structured financial products.

Alina is CERTIFIED FINANCIAL PLANNER™ practitioner and graduated from the prestigious Personal Financial Planning Program at NYU. She holds her MBA in Financial Management from Pace University - Lubin School of Business in New York, for which she was awarded a Graduate Assistantship and the 2004 NY Annual Securities Conference Scholarship. Alina earned her Bachelor of Business Administration in Finance and Insurance from the elite The Academy of Economic Studies in Bucharest, Romania.

Alina provides comprehensive financial planning and asset management services to healthcare professionals, clergy, business owners and individuals. Alina abides by the Fiduciary Standard of care, which attests to acting in clients' best interest at all times. Alina works for her clients only, does not take commissions, so she can provide high level of service with no conflicts of interests.

Alina is a member of the Financial Planning Association (FPA) and a volunteer for the FPA-Pro Bono committee through which she spreads financial literacy among the under served low-income populations of New York City.

In her spare time, Alina enjoys classical music, playing tennis and skiing with her family.

Education:

MBA, Financial Management, Pace University Lubin School of Business
BS, Finance and Insurance, Academy of Economic Studies

Fee Structure:

Fee-Only

Disclaimer:

The answers presented on Ask an Advisor, together with any commentaries, articles, or other opinions should be considered general information presented to inform the public. They are based on the information provided in the question, which may have omitted important details that would have changed the answer had they been known. Please consult a financial advisor before concluding that the information is relevant to your own situation. 

All Articles
Sort By:
Most Helpful
February 2017
    Executive Compensation, Retirement Savings, Retirement Plans
last month

All Answers
Sort By:
Most Helpful
    Personal Finance, Starting Out
If you had to give a young adult one piece of financial advice, what would it be?
67% of people found this answer helpful

1. The best investment you can make as a young adult is investing in yourself, in your own education, after figuring out what you want to do.

2. Get rid of credit card debt if you have any to the point that you pay your balance in full every month and have a strategy for paying down your student loans as well.

3. Build your emergency fund gradually. A good rule of thumb is to have saved between 3 and 6 months of non-discretionary expenses in a liquid money market account, but it should be whatever makes you sleep well at night in case you lose your job, or an unexpected emergency comes up.  

4. Make a plan to save for your financial freedom. Spend less than you earn.

         - Pay yourself first! The sooner you start saving for your long-term retirement goal, the better it is. You are young, so make the time you have until your retirement age work in your advantage by starting to invest right away: a) contribute to company's 401(k) plan if available, take advantage of the match if available; b) open up a Roth IRA even if you don't benefit from the tax deduction advantage available with the Traditional IRA. You will get your money and your earnings on them tax free in retirement, when your tax bracket could be the same or higher than now.

         - Stick with your plan by investing in an automatic fashion from each paycheck.

         - Invest in a diversified portfolio of low cost index funds: domestic and foreign equities funds (90-100%) with the balance in bond funds. Revise asset allocation 10 years from now to start gliding it to a little more conservative mix.

         - Rebalance to the asset allocation designed on a yearly basis.

Good luck!

Alina Parizianu, MBA, CFP®

April 2017
    Career / Compensation, Personal Finance, Investing
Can I get 10% growth in my income every year from dividends?
61% of people found this answer helpful
April 2017
    Financial Planning, Investing
How should I invest a lump-sum of my savings?
53% of people found this answer helpful
April 2017
    Financial Planning, Pensions, Social Security
Will I have to take out RMDs from my pension plan?
50% of people found this answer helpful
February 2017
    Financial Planning, Investing, IRAs
Are there limits to the amount I can contribute to a tax deferred plan?
50% of people found this answer helpful
February 2017