Helping Clients Since 1990
Spina Financial Services (SFS) is an independent financial services consulting firm dedicated to helping our clients reach their financial goals. Our commitment is solely to our client's interests. We strive to improve lifestyles, empower through education and build trust through excellent service.
SFS chose Osaic Wealth, Inc. as our broker/dealer and business partner due to their strength and stability offered through their abundant resources in products, research and technology. Through Osaic, SFS utilizes hundreds of proprietary and non-proprietary investment products to fit the goals and objectives of each client. This is why the education of each client continues to be the cornerstone of our business.
SFS was founded on traditional values including integrity and work ethic. We work for you and look forward to earning your business every day.
Newsletters
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Closed-End Funds May Offer Higher Income
Closed-end funds are considered to carry higher risk but may provide a higher income stream than traditional mutual funds holding similar securities.
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Strategies for Smarter Giving
In addition to advancing philanthropic goals, strategic charitable donations may offer tax advantages.
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Location, Location, Location: The Premium Parents Pay for Top Schools
Homes in neighborhoods with access to top schools tend to cost significantly more than a typical home in the surrounding area.
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The One Big Beautiful Bill Act Extends Tax Breaks for Small Businesses
Here are three important tax provisions from the OBBBA that should provide certainty and stability for small businesses.
Calculators
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Cost of Retirement
Use this calculator to estimate how much income and savings you may need in retirement.
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Required Minimum Distributions
Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 73.
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Estate Taxes
Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.