Paul C Impellizeri DBA Cascio Wealth Management
CRD Number: 317292 • Version Date: 10/21/2021

Advisory Business

Cascio Wealth Management is a Sole Proprietorship organized in New Jersey, registered as an investment adviser since 2021. We offer ongoing portfolio management services based on each client’s individual goals, objectives, time horizon, and risk tolerance. We create an Investment Policy Statement for each client outlining their current situation, income, tax levels, and risk tolerance.

Services include investment strategy, personal investment policy, asset allocation, asset selection, risk tolerance assessment, and regular portfolio monitoring. We generally limit investment advice to mutual funds, fixed income securities, insurance products including annuities, equities, ETFs (including precious metal ETFs), and treasury inflation protected bonds.

Fees and Compensation

Total Assets Under Management	Annual Fee
$0 – $1,000,000	1.25%
$1,000,001 and Up	0.90%

Fees are generally negotiable and are memorialized in the client’s advisory agreement. Asset-based fees are withdrawn directly from client accounts with written authorization on a monthly basis, paid in advance. Clients may terminate the agreement without penalty for a full refund within five business days of signing.

Clients are responsible for all third-party fees (custodian fees, brokerage fees, mutual fund fees, transaction fees, etc.), which are separate from Cascio Wealth Management’s fees.

Types of Clients

We provide advisory services to individuals, high-net-worth individuals, and corporations or business entities. There is no account minimum for any of our services.

Methods of Analysis & Investment Strategies

Our methods of analysis include Modern Portfolio Theory, which attempts to maximize portfolio expected return for a given amount of risk. We use a long-term trading strategy designed to capture market rates of return.

Investing in securities involves a risk of loss that you, as a client, should be prepared to bear.

Disciplinary Information

There are no criminal or civil actions, administrative proceedings, or self-regulatory organization proceedings to report.

Other Financial Industry Activities

Paul C Impellizeri is a licensed insurance agent with SFG Annuity Advisors. Clients should be aware that these services pay a commission and involve a possible conflict of interest. Cascio Wealth Management always acts in the best interest of the client.

Code of Ethics

Cascio Wealth Management maintains a written Code of Ethics covering prohibited purchases and sales, insider trading, personal securities transactions, conflicts of interest, confidentiality, and compliance procedures. Our Code of Ethics is available free upon request.

Brokerage Practices

Cascio Wealth Management requires clients to use Schwab Institutional, a division of Charles Schwab & Co., Inc. Custodians and broker-dealers are recommended based on our duty to seek “best execution.” We will never charge a premium or commission beyond the actual cost imposed by the broker-dealer/custodian.

Review of Accounts

All accounts are reviewed at least quarterly by Paul C Impellizeri, Chief Compliance Officer. Reviews may also be triggered by material market, economic, or political events, or changes in a client’s financial situation.

Investment Discretion

Cascio Wealth Management provides both discretionary and non-discretionary investment advisory services. Where discretion is granted, we manage the account and make investment decisions without prior consultation for each transaction.

Additional information about Cascio Wealth Management is available on the SEC’s website at www.adviserinfo.sec.gov.

Paul C Impellizeri
Personal CRD Number: 2254850 • Investment Adviser Representative
Updated: 01/27/2023

Educational Background & Business Experience

Education: Bachelor of Science in Management, Stockton University (1979)

Business Background:

• 10/2021 – Present: Chief Compliance Officer, Cascio Wealth Management
• 09/2012 – 09/2021: Financial Advisor, Private Advisor Group, LLC / LPL
• 04/2008 – 08/2012: Financial Advisor, Capital One

Disciplinary Information

There are no legal or disciplinary events that are material to a client’s or prospective client’s evaluation of this advisory business.

Other Business Activities

Paul C Impellizeri is a licensed insurance agent with SFG Annuity Advisors and may offer clients advice or products from this activity. Clients should be aware that these services pay a commission and involve a possible conflict of interest. Cascio Wealth Management always acts in the best interest of the client. Clients are in no way required to implement any plan through any representative of Cascio Wealth Management in their capacity as a licensed insurance agent.

Additional Compensation

Paul C Impellizeri does not receive any economic benefit from any person, company, or organization other than Cascio Wealth Management in exchange for providing advisory services.

Supervision

As the Chief Compliance Officer, Paul C Impellizeri supervises all activities of the firm and adheres to all applicable regulatory requirements, policies, and procedures outlined in the firm’s code of ethics and compliance manual.

Requirements for State Registered Advisers

Paul C Impellizeri has not been involved in any arbitration claims, civil or administrative proceedings involving investment-related activities, fraud, theft, or dishonest practices. Paul C Impellizeri has not been the subject of a bankruptcy.

Investment advisers are required by law to inform their clients of their policies regarding privacy of client information. We are bound by professional standards of confidentiality that are even more stringent than those required by law.

Types of Nonpublic Personal Information We Collect

We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your authorization. This can include your Social Security Number, Date of Birth, Banking Information, Financial Account Numbers and/or Balances, Sources of Income, and Credit Card Numbers or Information. When you are no longer our customer, we may continue to share your information only as described in this notice.

Parties to Whom We Disclose Information

• For everyday business purposes — processing transactions, maintaining accounts, responding to court orders and legal investigations
• For our marketing — to offer our products and services to you
• For joint marketing with other financial companies
• For our affiliates’ everyday business purposes

Protecting Confidentiality

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards and secured files and building.

Your Right to Limit Sharing (Opting Out)

Federal law allows you the right to limit the sharing of your nonpublic personal information by “opting out” of sharing for affiliates’ everyday business purposes regarding creditworthiness, or sharing with affiliates or non-affiliates who use your information to market to you. Please notify us immediately if you choose to opt out.

Your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to us.

Shortened Transaction Settlement Dates (T+1)

Effective 5/30/2025

As of May 28, 2024, the existing T+2 settlement cycle was reduced to T+1, meaning the settlement cycle is one business day after the trade date. The firm’s CCO has responsibility for the implementation and monitoring of all settlement requirements, including the amended SEC Books and Records Rule.

Cascio Wealth Management complies with the new amendments to maintain requisite records, including originals of written confirmations received and timestamped copies of all allocations and affirmations. We coordinate with custodians, broker-dealers, and clearing firms to ensure proper completion of the allocation, confirmation, and affirmation process.

SAFE Seniors Policy

All senior clients must provide a trusted contact. All business with seniors adheres to strict review of their mental capacity. If capacity is compromised, family members and trusted contacts are advised and must be present if possible. Consent is obtained at account opening or when issues are determined. IBKR updates trusted contacts on all client accounts annually.

Social Media Policy

No social media activity relating to financial services is permitted except employee application review. LinkedIn is used for employment purposes only. No client contact is conducted through social media.

Cyber Security

All training must be up to date. Emails are encrypted and cloud storage is secured through Microsoft, Adobe, and Comply archiving only. Passwords are changed frequently and documented by Comply.

Client Risk Profiles

Client risk profiles are established in the advisory agreement at account initiation and reviewed annually. Any change is communicated to the client annually or at the time of change. IBKR assists with updating net worth, trusted contacts, and other client information.