Welcome

Our mission at DeFrate & Paavola is to help our clients accumulate and protect their assets. 

Our philosophy is that money is a tool.  It helps you reach your life goals but is not an end goal in itself.  Our success is not measured by performance statistics but rather by our success in achieving your goals.

Our strategy is to manage risk in every aspect of your financial life.  This includes managing risk related to your investments, the risk of living too long or dying too early, and the risk of not being able to earn a living.




Securities offered through registered representatives of Walnut Street Securities, Inc. (WSS), member FINRA/SIPC.  Investment advisory services offered through PFG Financial Advisors, a registered investment advisor.  PFG Financial Advisors is not a subsidiary or control affiliate of WSS.  Branch Office: 270 Walker Drive; State College, PA 16801.  Phone: 814-238-0544.

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Securities licensed in the following states: CT, FL, NJ, NY and PA.

 
Calculators

Car Affordability

How much can you afford to pay for a car?

Disability Income Insurance

How much Disability Income Insurance do you need?

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

More Calculators →

Newsletters

Don't Forget the World

If your portfolio doesn't include some global equities, it may be missing a key dimension.

What Does a Fed Chairman Do?

The Federal Reserve plays an important role in our economy, and the chairman is its most visible player. His behavior is a good source of clues about what the future may hold.

A New Way to Diversify

Exchange-traded funds are unique investments that resemble mutual funds in some ways and behave like stock in other ways.

Getting the Right Mix

Asset allocation is the process of dividing investment dollars among asset classes that often behave differently in different market cycles.

More Newsletters →