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At Ralph S. Adorno CLU & Associates, our sole focus is YOU.
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About Our Firm

At Ralph S. Adorno CLU & Associates, our sole focus is YOU.
We’re committed to helping people create a steady stream of income while protecting them from market volatility and helping them prepare for taxes, inflation and other unexpected life events. Simply put, we aim to make your financial strategy more effective and efficient. We do this by providing guidance to help you develop a retirement income strategy that could utilize a variety of insurance products to help achieve the objectives of that strategy.
The team at Ralph S. Adorno CLU & Associates is here to help ensure you receive all the assistance you need, not only in developing your retirement income strategy, but in maintaining it throughout your retirement.

Meet Ralph Adorno
Chartered Life Underwriter Ralph S. Adorno is an independent financial professional with more than 49 years of experience in financial services. His clients across the country benefit from his strategies for their wealth, strategies to help minimize taxes and potentially grow their money over time.

Ralph serves clients whose net worths range from $250,000 to $1.5 billion. Using his proprietary Income-Legacy Planning method, he works with clients to create, preserve and maximize their wealth. This helps them to realize two of their most important goals, living well and passing on generational wealth.

Ralph holds insurance licenses in Arizona, Connecticut, Colorado, Delaware, Florida, Georgia, Maine, Maryland, New Jersey, New Mexico, New York, Ohio, Pennsylvania and Vermont. He is also a member of the Estate Planning Council and the National Association of Insurance and Financial Advisors.

Ralph began a wealth management career in 1970 as a top producing John Hancock life insurance agent. In 1979, he started Ralph S. Adorno CLU & Associates, focusing on advanced estate and insurance tax planning for private clients. In 1985, Ralph began teaching estate and tax planning with life insurance courses at New York University. He continues to conduct public seminars for professionals, business owners and organizations.

Ralph has published various industry materials, including articles and special reports for trade magazines and newspapers. His clients also enjoy receiving Ralph’s quarterly Tax Saving Ideas newsletter for timely financial tips.

Today, Ralph is focused on both current and new tax laws that impact estate tax planning and protection. This helps keeps his clients in financial balance. His experience has enabled him to establish various businesses, including an accounting firm, a leasing company, and a real estate building and developments.

As a husband, father and grandfather, Ralph endeavors to be a worthy role model. Following his own advice, in 2005 he purchased a 60-acre farm in Putnam Valley, New York to share family moments. He still gets excited taking nature walks and fishing on the property with his six grandchildren.

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

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Retirement Kit!

Request our retirement kit that addresses several topics you should consider when planning your retirement.
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    » Retirement Income Strategies
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    » Life Insurance
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    Privacy Policy - Terms

    We are an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives.

    Please be advised that Ralph S. Adorno CLU & Associates is unable to provide advice regarding investments. Any transaction that involves a recommendation to liquidate funds held in a securities product, including those within an IRA, 401(k) or other retirement plan for the purchase of an annuity, can be conducted only by individuals currently affiliated with a properly registered broker-dealer or registered investment advisor.  For guidance on your security holdings, please consult with an Investment Adviser Representative or Registered Representative.

    *Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company.  Annuities are not FDIC insured.

    The logos and trademarks used are the property of their respective owners and no endorsement by those owners of the producer is stated or implied.

    The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

    *Guarantees provided by insurance products are backed by the claims-paying ability of the issuing carrier.

    The retirement kit is provided for informational purposes only. It is not intended to provide tax or legal advice. By requesting this report you may be provided with information regarding the purchase of insurance and investment products in the future.