Joseph Gugino

Joseph L. Gugino, CFP®, AIF® of Gugino & Ryel Financial has been awarded the Accredited Investment Fiduciary® (AIF®) 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. The designation is the culmination of a rigorous training program, which includes a comprehensive, closed-book final examination under the supervision of a proctor, and agreement to abide by the Center’s Code of Ethics and Conduct Standards. On an ongoing basis, completion of continuing education and adherence to the Code of Ethics and Conduct Standards are required to maintain the AIF designation.

Gugino, a resident of Fredonia, is a certified financial planner professional for Gugino & Ryel Financial in Fredonia. He offers securities and advisory services as an Investment Adviser Representative through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Gugino specializes in providing individuals and their families with a structured and customized financial plan. Our years of expertise, combined with a highly personalized level of service, allow us to design unique strategies that help to provide you with:

¯ A sustainable lifestyle during retirement

¯ Enough income to enjoy travel and other desired recreational pursuits

¯ Income to help pay for unforeseeable and unplanned life events

Fi360, based in Pittsburgh, Pa., is the first full-time training and research facility for fiduciaries, and conducts training programs throughout the United States and abroad. The Center for Fiduciary Studies confers the AIF designation as well as the Accredited Investment Fiduciary Analyst® (AIFA®) and Professional Plan Consultant® (PPC®) designations.