About Us
Our Story
After over a decade in the financial services industry, Ben Bagnato wanted to create a firm that provided expert advice with a simple and easy to understand fee structure. In October of 2024, Ben, along with his practice manager, Jamie Saunders, launched Bagnato Wealth Management. Bagnato Wealth Management works with its clients to help them live the life they want today while working towards or maintaining financial security.
Our Philosophy
Emergency Fund
Three to Six months of expenses in a high yield savings account or money market
Basic Defensive Planning
Ensure you and your loved ones have adequate coverage in the event of premature death or disability
Building Financial Security
Saving enough to meet your needs, goals, and dreams when you no longer are, or no longer can, work
Estate Planning
Ensuring what you want, gets left to who you want, how you want. Estate planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney, and/or CPA. Consult with them for specific advice on legal and tax matters.
Our Philosophy
Emergency Fund
Three to Six months of expenses in a high yield savings account or money market
Basic Defensive Planning
Ensure you and your loved ones have adequate coverage in the event of premature death or disability
Building Financial Security
Saving enough to meet your needs, goals, and dreams when you no longer are, or no longer can, work
Estate Planning
Ensuring what you want, gets left to who you want, how you want. Estate planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney, and/or CPA. Consult with them for specific advice on legal and tax matters.
How We Are Compensated
Fee Structure
$0 - $500,000
Our fee is 1.25%
$500,001 - $3,000,000
Our fee is 1%
$3,000,001+
Our fee is 0.5%
Three Tiers of Service
Financial Planning Packages
Occasionally we are introduced to people that want to continue to do their own investing or aren’t in a position to have us manage their assets but still need financial planning. We can also work with clients under a flat fee arrangement that is tied to the complexity of the planning involved.
Foundational
- $200/month Budget
- Emergency Fund
- Term Insurance
- Disability Income Insurance
- Implementation
- One Meeting per year at client’s request
Strategic
- $500/month Budget
- Emergency Fund
- Retirement, Education and other Goals Analysis and Recommendations
- Implementation (if requested by the client)
- Two to Four Meetings per year Initiated by Bagnato Wealth Management
- Portfolio Rebalancing
- Debt Analysis & Recommendations
Annual Planning Fee – $2,400/year
Advanced
- $1,000+/month Budget
- All services with Strategic
- Backdoor Roth IRA and Mega Backdoor Roth IRA funding (if available)
- Asset Location Strategies
- Direct Indexing in Non-Qualified Accounts
- PSLF Analysis and Recommendations
- Two to Four. meetings per year unless more are needed or desired by client
Annual Planning Fee – $4,800/year
Meet the Team
Benjamin Bagnato
Ben Bagnato is the Founding Partner of Bagnato Wealth Management which was established in 2024. After attending Penn State University for a B.S. in Finance and an MBA, Ben moved back to Pittsburgh and began his career at Northwestern Mutual. During his time there, he learned how to work with clients and how to run a financial services business.
Ben is a CERTIFIED FINANCIAL PLANNER™ professional and completed the Executive Certificate in Financial Planning from Duquesne University. He also has his CLU® and RICP® designations from The American College of Financial Services. He focuses on building and maintaining relationships with his clients to understand how best to align their financial resources with their objectives.
Ben currently resides in North Huntingdon, PA with his wife Nicole and their three children Callum, Peyton and Graham. In his free time he enjoys playing golf and spending time with his family.