Team We believe our teamwork approach adds a broader perspective to all we do and provides increased benefits to our clients.Our team of financial professionals can help you address:Investing principles and strategiesRetirement investing and distribution strategiesEstate conservation issuesRisk managementWe also can answer your questions, including:Can I retire early?Are my investments working hard enough?What’s the best approach for college savings?What are the elements of a sound estate strategy?Do I have enough life insurance for my family?Our experienced professionals have helped many people just like you with similar issues and concerns. We specialize in creating an approach that is designed to address your individual situation. Michael J. Musich President, Owner (515) 661-6317 (515) 661-6101 [email protected] Michael joined the financial services industry with the John Hancock company in 1987. Within a couple years he realized that he could not serve his clients well by limiting their choices available to only the solutions that John Hancock could provide. He left John Hancock and joined the independent financial advisor ranks as a financial advisor at the firm of Integrated Financial Services Inc., a fee-based financial advisory firm. He joined Cetera Advisors LLC in 1993 and in 1995, he formed his own firm, Private Asset Advisory Group, an independently managed, fee-based advisory and financial planning firm, and began serving his clients needs in a direct and personal way that he has enjoyed ever since. He earned the Accredited Wealth Management Advisor (AWMA) and Accredited Asset Management Specialist (AAMS) designations from the College for Financial Planning, Denver, CO. He holds a Series 7, 31, 63, 66 as a Registered Representative and Investment Advisor Representative with Cetera Advisors LLC, and he earned a Bachelor of Science at Loras College, Dubuque, IA.