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Robert A Cerniglia

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Robert A Cerniglia
Associate Financial Advisor
.
CLU®, FIC, RICP®, CLTC®
Part of the Crossroad Financial Associates practice
60 Island St Suite 80
Lawrence, MA 01840
About Robert Cerniglia
I'm proud to be a Thrivent financial professional. I provide personalized financial guidance to people at all stages of life. At Thrivent, we view money not as a goal, but as a tool — one that can afford you a life rich in meaning and gratitude. We believe humanity thrives when individuals make the most of all they've been given. I'm here to help you do just that.
My qualifications
  • Chartered Life Underwriter®
  • Fraternal Insurance Counselor
  • Retirement Income Certified Professional®
  • Certification in Long-Term Care®
  • Series 7 - General Securities Representative
My state licenses
  • Connecticut
  • Florida
  • Maine
  • Massachusetts
  • New Hampshire
  • Ohio
  • Pennsylvania
  • Rhode Island
  • Tennessee

Insights

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Tuesday night I had the privilege of hosting my annual backpack drive at Millhaven in Lawrence. This is the 4th year I have had the ability to do this on conjunction with the Merrimack Valley Chamber and local business community. Every year it has grown and I am proud to be a part of that. All backpacks and supplies were donated to the Lawrence YMCA. Thank you to all who came out and participated, those who donated before hand, and others who supported in any way possible. I look forward to next year!!!
What is a variable annuity & how does it work?
What is a variable annuity & how does it work?A variable annuity offers several key features: income in retirement, potential tax-deferred growth based on market performance, and—depending on the contract—potential to pass money on to your heirs. Check out this article for more information and let’s connect if you want to discuss how an annuity could help you reach your retirement goals.
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6 common investing mistakes & how to avoid them
6 common investing mistakes & how to avoid themWhat are common mistakes people make when investing?​ 1️⃣ Lacking diversification​ 2️⃣ Trying to time the market​ 3️⃣ Investing with your emotions​ 4️⃣ Ignoring fees and taxes​ For more mistakes to watch out for and smart strategies to consider. 👇
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Office location
Lawrence Location
60 Island St Suite 80
Lawrence, MA 01840
Phone978-580-0558Hours
M – F: 9 a.m. – 5 p.m.
Licensing is available through your State Insurance Department’s website, which can be located through the National Association of Insurance Commissioners website.

Thrivent and its financial advisors and professionals do not provide legal, accounting or tax advice. Consult your attorney or tax professional.

Thrivent financial advisors and professionals have general knowledge of the Social Security tenets. For complete details on your situation, contact the Social Security Administration.

Thrivent provides advice and guidance through its Financial Planning Framework that generally includes a review and analysis of a client’s financial situation. A client may choose to further their planning engagement with Thrivent through its Dedicated Planning Services (an investment advisory service) that results in written recommendations for a fee.

Designations
For additional information on professional designations and the requirements to earn them, visit https://www.thrivent.com/designations