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Lead Wealth Advisor

Terrence Palazzolo

With a passion for personal finance and a background in corporate finance, Terrence helps individual clients achieve their goals and gain financial peace of mind. Financial literacy outreach is also very important to him, and Terrence volunteers at pro bono Financial Planning Day events to help increase community awareness of financial finance topics.

Before coming to Griffin Black, he held senior positions in corporate planning and strategy within the retail industry, developing and managing financial forecasts.

Professional Degrees & Credentials

  • BS, Business Administration/Finance, California Polytechnic State University, San Luis Obispo
  • Financial Planning Certificate Program, Boston University
  • Certified Financial Planner® (CFP®) Professional
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Beyond Work

Local and global traveler

Terrence loves to travel, and many of his favorite trips happen within California. Born and raised in California, he is a fan of the state parks and wine country. Taking a day trip to Sonoma County for a hike or a weekend trip to Paso Robles for horse-riding, you’ll often find Terrence experiencing the best California has to offer.

Trips to Montreal are also a common getaway for Terrence, as his wife hails from Quebec. The city has a lot to offer, especially outdoor adventures and the culinary delights that can be found in the Old Port neighborhood.

A waterfront with docked boats and historic buildings in the background, set against a skyline of modern high-rise structures.
Blog

Our latest insights from Terrence

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A person using a calculator next to a laptop, with papers, a notepad, and a pen on a desk.
  • Young Investors
4 min read

Tax Time! What to know about Capital Gains & Losses

It's everyone’s favorite time of year: tax time! As you're filing your taxes this year, you will undoubtedly be faced with a lot of tax lingo. It can be overwhelming if you are not familiar with the terminology. A common tax question is “did you buy or sell any assets this year?”. This question is really getting at the treatment of a capital gain or capital loss. Now, you may prefer to turn over the documents showing this information to your tax software or CPA, but understanding how a capital asset is taxed can help you make smart decisions during the tax year.
A person inserts a block labeled "INFLATION" into a stack of wooden blocks labeled with terms like BUSINESS, ECONOMY, and BUDGET, illustrating the impact of inflation on various economic aspects.
  • Young Investors
5 min read

The Dollars & Sense of Inflation

Inflation has been one of the hottest topics in economic news throughout 2023. Maybe you have read about inflation in the news or talked about the most recent data at the proverbial water cooler. If you have not heard about the recent bout of inflation, you have certainly felt its effects. Maybe that’s led you to ask questions like “why do we have inflation?” It is a good question, and one that has a very meaningful impact on your financial goals.
Five colorful piggy banks face an orange, five-way arrow on a white background, suggesting different financial choices or savings paths.
  • Young Investors
5 min read

Decoding Retirement Saving: Learning the Lingo of Retirement Planning

Picture this scenario: You have finished a grueling interview process. After days of studying and fielding questions in front of the mirror, you finally get the offer. The job is a perfect fit for you, the salary looks great, and you even get some nice benefits! On your first day, your HR representative asks if you want to take advantage of the company’s 401(k) plan.
Three wicker baskets filled with brown eggs are arranged on a wooden surface, alongside a rolled-up paper and scattered coins.
  • Young Investors
3 min read

Different Baskets: How Diversification Helps You Grow Wealth

It’s not an uncommon scenario for a young professional: you go to work for a company that is growing rapidly – maybe a high-tech startup or some other enterprise that is expanding aggressively into a well-defined business niche. The company does well, and the profits start rolling in. Before too long,
Illustration of hands holding insurance symbols: a car, family, and house under green umbrellas with words "Protection" and "Security.
  • Young Investors
8 min read

Risk Management: Protect What Matters Most

I have heard it before, ‘Insurance is a scam. I pay for it every month and yet I may never even use it!’ Buying insurance can often seem like an “extra” or a “nice to have” type of expense. After all, the only time most insurance pays is if something bad happens, right?
Image depicting a comparison between stocks and bonds, represented by two documents with graphs and charts, with the word "vs" in the middle.
  • Investing, Young Investors
6 min read

Taking Stock: Basic Vocabulary for Younger Investors

Have you ever heard people say things like, “The market was up today,” or “I just looked at the news, and my stocks are all down”? Or maybe you’ve seen headlines like “Investors Moving into Bonds as Rates Fall,” or “Index ETFs Gain in Popularity.” Maybe you’ve wondered about this unfamiliar language that other people seem to understand. Maybe you wish you understood more about it yourself.