Sean P. Grattan, CRPC®

Translating the financial services industry into basic concepts for our clients to easily understand. Pursuing a comfortable and confident retirement through detailed retirement income analysis. Specialties: Advisory fee based account management, full service brokerage relationships, eMoney-Wealthvision cash flow planning, Morningstar/ S&P analysis, long term care insurance, life insurance, retirement plans, retirement plan transitions, pension management strategies & portfolio review/ rebalance. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.CRPC conferred by College for Financial Planning.Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. For hyperlinks to FINRA and SIPC, please refer to ‘Contact Info’ section above. Insurance products offered through LPL Financial or its licensed affiliates. NBT Bank and NBT Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using NBT Investment Services, and may also be employees of NBT Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, NBT Bank or NBT Investment Services. Securities and insurance offered through LPL or its affiliates are: • Not Insured by FDIC or Any Other Government Agency • Not Bank Guaranteed• Not Bank Deposits or Obligations• May Lose ValueThird party posts on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.The LPL Financial registered representatives associated with this page may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.The opinions and advice offered within this communication platform are those specific to me as an individual and do not reflect that of my employer or any of its primary business units.