- Benjamin Franklin
CERTIFIED FINANCIAL PLANNER™
John is a CERTIFIED FINANCIAL PLANNER™ who provides comprehensive financial planning and tax planning services and has more than 25 years of experience in tax planning and finance. He holds his securities registrations with LPL Financial and is designated by the United States Treasury Department as an Enrolled Agent (EA). This designation allows him to represent his clients before the Internal Revenue Service.
John earned his Master’s Degree in Accounting and is a former adjunct faculty member at Siena College's nationally accredited School of Business. He has taught numerous accounting courses, as well as courses in corporate and personal finance. He worked for KeyCorp, Ayco Financial Planning and held management positions with Matthew Bender & Co. and Trans World Entertainment.
John earned the Accredited Investment Fiduciary® Designation from the Center for Fiduciary Studies®, the standards-setting body for Fi360. The AIF® designation signifies specialized knowledge of fiduciary responsibility and the ability to implement policies and procedures that meet a defined standard of care.
John also earned a Certificate in Financial Planning from Boston University and more recently, successfully completed the rigorous CFP®, Certification examination to become a CERTIFIED FINANCIAL PLANNER™.
John currently serves on the Albany County Investment Policy Board, having been unanimously appointed by the County Legislature in the fall 2018. In this position, John will advise the county on strategy for making the best use of money available for investment.
John realized a life-altering experience in 2001 when he was diagnosed with a benign brain tumor. He has since devoted time to establishing a support group in the Capital District for those who have had similar experiences. John is also a former Board Member of the Acoustic Neuroma Association located in Atlanta, Georgia.
John resides in Colonie with his wife, Rose, and daughters Julianna and Maria. His hobbies include reading, golf, cooking, and family activities
I often think about what I would be doing in life if I were not a financial advisor. Looking back, I have always wanted to help others, as it was instilled in me by my parents. My dad was an architect who focused his profession on working with hospitals and religious organizations. My mom was a nurse who devoted her career to helping those in need. However, the desire to help people, especially with their finances, is a direct result of the challenges I faced after my life-altering surgery for a brain tumor.
When diagnosed, I was just 39 years old. My wife Rose and I had two young daughters, Julianna and Maria who were ages 7 and 4 at the time. Thankfully the tumor was benign, but because of its size, it needed to be removed. I survived a 9 ½ hour surgery, but was in tough shape. I had total paralysis on the right side of my face, deafness in my right ear and headaches that reached 12 on a scale of 10. In addition to my physical health, I was facing mental challenges as well. We all take our smiles for granted until we don’t have one.
After a few years of adjusting to the “new me,” I realized that I had come to a crossroad in my life. I felt that I had been presented with a unique opportunity. I had the opportunity to “make lemonade out of lemons,” as they say. My career up until that point had been in the corporate world, but here was a chance to help others in a more personal setting. I decided to share my knowledge of personal finance with others and make a go of it as a financial advisor.
I have no regrets. I can’t tell you how rewarding it is to help people who are at an intersection of their life just as I was. This is my way, after a life-altering event, to help others in need. As I mentioned above, I have often thought about what I would be doing if I were not a financial advisor. Well, in addition to wanting to help others, I also love to educate others. I want to share what knowledge I’ve gained over my lifetime, with others who might benefit from it. I suspect, therefore, that I might have pursued teaching at either the high school or college level.
Instead, I work education into my practice at Albany Financial Group, through webinars, podcasts, and day-to-day conversations with my clients.
Just as I relied on my family and friends during my time of need, I want others to rely on me in their time of need. There’s no reason to go it alone. At Albany Financial Group, I’ve tried to design my practice around helping, educating and serving others. I am very fortunate to work in a career I truly love.
Having a solid, written financial plan in place is the cornerstone of building the appropriate investment portfolio to help you pursue your most important goals. Together, we will update your plan annually and with any major life changes.
Taxation in retirement can get complicated. Savings and investment distribution planning is critical in retirement. Too many retirees are losing money because they did not have a good tax plan before they entered retirement.
With proper planning in each season of life, we can help you enjoy more of your had-earned money.
Many people are under the impression that Medicare will somehow take care of itself and that it will cover all their health care expenses in retirement. Nothing could be further from the truth.
Medicare is not automatic. It is not free. And it does not cover everything. To help avoid gaps in coverage, we build Medicare enrollment into your plan so that you will know when and how to enroll.
Our nation faces a serious retirement income crisis. The shift away from older pension plans in favor of 401(k), 403(b), etc. plans has deprived an entire generation of retirement security, made worse by insufficient savings.
Social Security plays a huge role in your retirement. Let us help you determine when and how you enroll.
Knowledge is power. We pride ourselves in knowing that we empower clients with the knowledge they need to take control of their financial futures. We want you to live life by design, not default.
As an employer, you want your valued employees to make decisions that will afford them greater financial freedom in retirement. Just as your workers look to you for support in helping them save for retirement, you can look to us to help you navigate employer plan regulation and administration.
CERTIFIED FINANCIAL PLANNER™ John Gigliello has launched a monthly podcast to add to his education series line up. It is available anywhere you listen to podcasts.
Lisa La Plante, Financial Paraplanner Qualified Professional™
Operations Manager for John Gigliello, CFP®, AIF®, MBA, EA
Lisa joined Albany Financial Group in March 2012 as Administrative Assistant to John Gigliello. In November 2014, she earned the designation of Financial Paraplanner Qualified Professional™ from the College for Financial Planning. She holds
Michael Whitney, CFP®
Financial Paraplanner to John Gigliello, CFP®, AIF®, MBA, EA
Michael Whitney, CFP®, joined John Gigliello’s team at Albany Financial Group in May 2020 and has been in the financial services industry since 2018. Prior to joining AFG, Michael had previous experience in financial planning and investment