Larry J. Mahoney, CFP®
Career and Personal Highlights:
30+ years in the financial services business
Member of the National Association of Insurance and Financial Advisors (NAIFA)
Career courses in investments; personal and business life insurance; health, social and financial issues for senior citizens; employee benefit and retirement planning; estate planning and taxation; risk management; long-term care; disability income planning.
Acquired Life Underwriting Training Council Fellowship (LUTCF) designation in 1989
Acquired Certified Financial Planning (CFP®) designation in 1998
Experienced in working with businesses and business owners in multiple areas including but not limited to: executive benefits, transfer of ownership, employee benefit and retention products and strategies, tax reduction and avoidance strategies as well as estate planning in cooperation with legal and accounting advisors.
Our process takes clients through a range of discussions that include but are not limited to taxes, qualified and non-qualified plans, mortgages, the accumulation and distribution of assets, and the overall wealth-building process. It explores the effects of “transferred money” and the “opportunity costs” associated with those lost dollars. The system helps clients recognize the importance of maintaining liquidity, use and control of their assets in the new economic climate.
Retirement income planning emphasizes protecting clients from longevity risk, the risk of outliving one’s income. Efforts focus on awareness of options and strategies for retaining gains on earnings while securing a lifetime paycheck. Clients are exposed to strategies for maximizing social security income and minimizing taxes on that income through creative planning and increased awareness of social security income options. Planning addresses long-term care risks, options and opportunities as well as Medicare healthcare options. Estate/legacy planning with a focus on maximizing multi-generational opportunities with unique, easy-to-implement ideas.
* Larry J Mahoney offers investment advisory services through Gradient Advisors, LLC (Arden Hills, MN 877-885-0508), an SEC Registered Investment Advisor. Gradient Advisors, LLC and its advisors do not render tax, legal or accounting advice. Larry J Mahoney is not a registered investment advisor and is not an affiliate of Gradient Advisors, LLC.
Gradient Investments
Michael Binger, CFA®
President
Gradient Investments, LLC
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
KEITH GANGL, CFA®
Senior Portfolio Manager
Gradient Investments, LLC
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
TYLER ELLEGARD, CFA®
Senior Portfolio Manager
Gradient Investments, LLC
Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.
This endorsement of Gradient Investments, LLC, (GI) and its portfolio management services is provided by an investment advisor representative of Gradient Advisors, LLC (GA). This investment advisor representative refers clients to GI for portfolio management services. GI does not pay separate compensation to GA in relation to its endorsement or any promotional services. However, GA receives a portion of the advisory fees paid by clients who utilize the portfolio management services of GI. GA also shares in the revenue of GI via quarterly payments based on the amount of total assets GA places with GI. This endorsement incentivizes GA in increasing the assets placed with GI, and therefore the compensation received by GA. GA’s investment advisor representatives are not affiliated with or supervised by GI. An additional conflict of interest exists because GA and GI are under common ownership. While these conflicts of interest exist, investment advisor representatives of GA are subject to fiduciary duty and must act in the best interests of their clients. These investment advisor representatives and their clients are not required to use GI, and may select other investment managers.