 --- "Carm has great ability to communicate sometimes confusing and complex matters in a way which is easily understood. This is helpful in an environment where there is so much information to digest as well as opinions and feedback. Carm has the ability to present information in a very straightforward manner, allowing the client to be part of the whole process. It is most important to remember Carm actively involves the client through the process and ensures the plan/roadmap that is designed is understood and comfortable for the client. I believe that Carm genuinely enjoys his work and it shines when he is helping others achieve their goals. They are definitely better off after receiving the knowledge and information gained from Carm's guidance. Because of the work done with Carm, my family and I were able to sustain a difficult period confident that we had financial security.” – Kevin C., former Police Sergeant

 ---"I have been working with Carm for a number of years, and through our relationship I have gained a better understanding of insurance and retirement planning. His advice has helped me plan better for retirement, and I am now more confident that my family will be protected and financially sound if something should happen to me. Carm consistently goes out of his way to make sure his clients are satisfied with the insurance products that he is representing. He explains insurance products in easily understandable terms and only recommends products that he believes are best for me and my family. Carm has set out strategies to ensure J will retire comfortably, and he has discussed an "exit strategy" that explains in detail how J will use my available resources in retirement. I know that Carm would be here to help my family through the transition in the event of my passing.” – Greg M., MD at Rush Copley Medical Center


 --- "Because of Carm, we now have a complete sense of peace concerning our financial future. My wife and I find ourselves asking, "what would Carm think" when we discuss making large purchases, as well as how it will effect our portfolios. In the end, I always call Carm to get his consensus before we make a move. During a recent difficult decision, we discussed the pros and cons, but in the end, Carm said, "If we'll sleep better at night, then it is a good decision." I find it amazing how many people feel that they can manage their own financial future (I was one of them), and what a huge difference in mindset Carm brings to the table. He better never stop taking care of our portfolio." –John P. Field Supervisor, ComEd


The testimonials presented may not be representative of the experience of all clients and are not a guarantee of future performance or success.

Carmelo A Barbaro
Wealth Management Advisor

Next Phase Advisory Group


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