Frederick (Fred) Costantino JR., CFP®, CPM®, CRPC® is joining S.E.E.D. after acquiring 18 years of financial planning and investment experience at Raymond James, Wells Fargo, and most recently Morgan Stanley. Fred, a long time resident of Broome County, received his BA in Economics from Binghamton University.
He holds three highly regarded designations including the CFP®(Certified Financial Planner™), which identifies those individuals who have met the experience and ethical requirements, have successfully completed financial planning coursework and have passed the CFP® Certification Examination covering financial planning, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning.
He holds the CPM® (Certified Portfolio Manager™) designation which is administered by a collaboration of the Academy of Certified Portfolio Managers and Columbia University. Designees have gone through academic training designed to provide a deeper understanding of fundamental security analysis, asset allocation and portfolio management concepts for the financial services industry professionals who manage discretionary portfolios. The curriculum encompasses eight core concepts including quantitative methods, financial statement analysis, corporate finance, fixed income analysis, equity analysis , fiduciary responsibility, derivatives, and portfolio management.
He also holds the CRPC® (Chartered Retirement Planning Counselor™) designation. He has completed coursework and study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process.
At S.E.E.D. Fred will fill the role of Wealth Manager, an integral part of our financial planning team, while helping to provide valuable financial planning services to our clients. He will also provide valuable experience and expertise to our investment management programs.
A message from Fred:
“I am excited to join the team at S.E.E.D. Planning Group, where I can focus on providing unbiased financial advice to help our clients make better financial decisions. I feel the team based approach allows us to provide what is best for the client, regardless of net worth.”