May 4, 2005 Luncheon
Dr. Penelope Tzougros,
PhD., ChFC, CLU
author of
DR. PENELOPE TZOUGROS knows how important it is to ask good financial questions: The better the questions, the better the answers, and the better the results. With Penelope to lead the way, you’ll learn how to take charge of this critical financial process. She created Wealthy Choices ™ in 2000 to provide national scope for her writing and speaking. Penelope was a professor in Boston and New York for thirteen years. In 1986 she became a financial planner at Bay Financial Associates, offering Securities and other advisory services through WS Griffith Securities, a Registered Broker/Dealer and Investment Advisor. She provides individuals and businesses with a broad range of strategies for building wealth and security. Areas of expertise include:
Estate and Financial Planning
Investments · Insurances
Managing sudden wealth whether from inheritance, stock options,
personal injury settlements or other sources
Understanding the impact of long-term care on your portfolio
Coordination of employee benefits and executive plans
Penelope offers seminars and financial planning through Bay Financial Associates, a Registered Investment Advisor, formed to provide fee based, independent, and comprehensive planning for business owners, professionals and creative artists.
Areas of expertise include:
Designing alternate scenarios for your future that clarify your options
Building and protecting capital
Tailoring a portfolio’s asset allocation for your changing needs
Money – smart handling of income and estate taxes