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POINTER WEALTH


LEONARD J GARGAGLIANO


FINANCIAL ADVISOR|CLU®, CHFC®

214-525-1079

5950 Berkshire Ln Ste 500, Dallas, TX 75225

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HELPING YOU LIVE YOUR BEST LIFE.

Each of us has a different vision of what it means to be financially secure, and
your vision is likely to change throughout your lifetime – when you begin your
career, start a family, educate your children and enter retirement.  My mission
is to help each of my clients to first define what financial security means to
them.  I will help you create a personalized holistic financial plan that has a
firm foundation in your beliefs, mitigate risks, and addresses your hopes for
the future.

But achieving financial security takes more than creating a comprehensive plan;
you also have to take action on your plan, and evaluate and adjust it over time.
However, it is generally built upon the foundation of three main components:
managing risk, accumulating wealth, and preserving and distributing that wealth.
Together, we’ll create a timeline to help protect you and your family now, and
execute the steps necessary to respond to whatever life brings. My team and
I run a client centric practice, you'll always know that helping you is a
priority for us. 




THE THREE STEP PROCESS

Risk Management: Protecting the things you value and could least afford to lose;
it's your foundation for all planning. As the foundation of the pyramid, the
Risk Management stage is where lifetime financial security begins. Each person’s
Financial Pyramid is only as strong as its foundation.  

Wealth Accumulation: Planning to achieve your financial goals including
education for your children, the lifestyle you choose and your retirement
dreams. Expert guidance can help you build your overall portfolio. We also
believe in the value asset allocation, the foundation of a diversified
investment program. And finally, we believe in the value of investment
fundamentals; the basic principles such as getting an early start, investing
regularly, and using dollar-cost averaging to help reduce market risk.

Wealth Preservation and Distribution: Evaluating your situation, the income you
need for your retirement lifestyle, and the optimal way to pass along a legacy
to your heirs. Make the most of your assets. Your plan may gradually reduce
investment risk exposure to preserve assets while also generating enough
retirement income to support your standard of living for as long as you live.


THE NORTHWESTERN MUTUAL DIFFERENCE




NO. 1



Best Life Insurance Company for consumer experience, 20231




TOP 5



We're one of the Top U.S. Independent Investment Broker-Dealers.2




$7.3B



In dividends expected to be paid to policyowners in 2024.3




A++



AAA, Aaa, and AA+ - we've earned the highest financial strength ratings awarded
to life insurers from all four major rating agencies.4




BOOST YOUR FINANCIAL KNOWLEDGE.



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WHAT IS FINAL EXPENSE INSURANCE?

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HOW TO CHOOSE A WEALTH MANAGER

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LEONARD J GARGAGLIANO, FINANCIAL ADVISOR - DALLAS, TX 75225 FOOTER


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1©2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

2Ranking for Northwestern Mutual Investment Services, LLC. Measured by 2022
revenue. Sources: Financial Advisor and InvestmentNews, May 2023, Financial
Planning, May 2023.

3Dividends are reviewed annually and are not guaranteed. Some policies may not
receive dividends in a particular year or years even while other policies
receive dividends. For universal life products, in lieu of dividends, experience
is reflected through changes to nonguaranteed charges and credits.

4Northwestern Mutual continues to have the highest financial strength ratings
awarded to any U.S. life insurer by all four of the major rating agencies: A.M.
Best Company, A++ (highest), 8/23; Fitch Ratings, AAA (highest), 8/23; Moody's
Investors Service, Aaa (highest), 11/23; S&P Global Ratings, AA+ (second
highest), 5/23. Third-party ratings are subject to change. Ratings are for The
Northwestern Mutual Life Insurance Company and Northwestern Long Term Care
Insurance Company.


LEONARD J GARGAGLIANO


FINANCIAL ADVISOR


CLU®, CHFC®

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214-525-1079

5950 Berkshire Ln Ste 500, Dallas, TX 75225



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more—anytime, anywhere.

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To learn more about our products and services, visit NorthwesternMutual.com.

To learn more about Northwestern Mutual Investment Services, LLC and its
financial representatives, visit FINRA BrokerCheck.

Visit our Client Relationship Summaries (Form CRS) which provide brief
information about our firms that provide brokerage services and advisory
services.

Apple and the Apple logo are trademarks of Apple Inc

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Legal Notice|Online Privacy Statement|Customer Privacy Notice|Third Party
Links|Do Not Sell or Share My Personal InformationSecurities and Mutual Fund
orders can only be placed by phone or in person. We will not process orders sent
electronically, including but not limited to, communications sent via the
Internet, mobile and cellular technologies, and electronic mail. Also,
communications transmitted by you electronically represents your consent to
two-way communication by electronic means. If you receive communications in
error, please contact the sender and delete the material from any electronic
means on which it exists.

© 2024 The Northwestern Mutual Life Insurance Company. All rights reserved. 720
East Wisconsin Avenue, Milwaukee, Wisconsin 53202-4797 - (414) 271-1444.

Northwestern Mutual is the marketing name for The Northwestern Mutual Life
Insurance Company (NM) (life and disability Insurance, annuities, and life
insurance with long-term care benefits) and its subsidiaries, including
Northwestern Long Term Care Insurance Company (NLTC) (long-term care insurance),
Northwestern Mutual Investment Services, LLC (NMIS) (investment brokerage
services), a registered investment adviser, broker-dealer, and member of FINRA
and SIPC, and Northwestern Mutual Wealth Management Company® (NMWMC) (investment
advisory and trust services), a federal savings bank. NM and its subsidiaries
are in Milwaukee, WI.

Leonard J Gargagliano uses Pointer Wealth as a marketing name for doing business
as a representative of Northwestern Mutual. Pointer Wealth is not a registered
investment adviser, broker-dealer, insurance agency or federal savings bank.
Leonard J Gargagliano is an Insurance Agent of NM. Leonard J Gargagliano is an
Agent of NLTC. Investment brokerage services provided by Leonard J Gargagliano
as a Registered Representative of NMIS. Investment advisory services provided by
Leonard J Gargagliano as an Advisor of NMWMC.

The products and services referenced are offered and sold only by appropriately
appointed and licensed entities and financial advisors and representatives.
Financial advisors and representatives and their staff might not represent all
entities shown or provide all the products or services discussed on this
website. Not all products and services are available in all states. Not all
Northwestern Mutual representatives are advisors. Only those representatives
with "Advisor" in their title or who otherwise disclose their status as an
advisor of NMWMC are credentialed as NMWMC representatives to provide investment
advisory services.

Depending on the products and/or services being recommended or considered, refer
to the appropriate disclosure brochure for important information on the
Northwestern Mutual Wealth Management Company, its services, fees and conflicts
of interest before investing. To obtain a copy of one or more of these
brochures, contact your representative.

Leonard J Gargagliano is primarily licensed in TX and may be licensed in other
states.

Leonard J Gargagliano CA License: 0B16185




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