Francesca Federicoage 25

Financial adviser, Twelve Points Wealth Management

I am a Trailblazer

40 Under 40
40 Under 40

I am a Leader

40 Under 40

I am a Trailblazer

Trail Blazers

I am an Entrepreneur

40 Under 40

I am a Visionary

40 Under 40

I am an Idealist

40 Under 40

Meet the Leaders

Whether in their own firms or in their communities, these young people are leading the charge toward innovation in financial planning, bringing new opportunities to advisers and clients alike. Here, they share the best leadership advice they’ve received in their careers.

Meet the Trailblazers

This group doesn’t subscribe to groupthink. They are spearheading new ways of practicing and delivering financial advice — in some cases reaching populations previously considered unprofitable to serve. We ask them about the most unique and unusual ideas they’ve had.

Meet the Entrepreneurs

In addition to helping clients reach their financial goals, some in the advice industry face the challenge of running a business or a team. Others have started companies to support this pursuit. These young people are flourishing amid the balancing act — and some got an early start.

Meet the Visionaries

It’s not about what is, but what will be — and what can be — the future of the financial planning industry for this group of forward-looking advisers, educators and executives. Their insights pull the rest of the profession into the next stratum.

Meet the Idealists

Life experiences shape our ideals, especially for these young professionals who see challenges in the advice industry and the world — and set out to meet them. They also have words of wisdom for the next generation.

About Francesca

The immigrant experience. Family entrepreneurship. Blue-collar grit. It could be said Boston wouldn't exist if not for those traits. And understanding each intimately has been essential to the success Francesca Federico has enjoyed in the financial advice business.

Young advisers often struggle to communicate what expertise they have that's valuable to their wealthy — mostly older — clients. And at 21, Ms. Federico was by far the youngest person in her cohort when starting out in the Morgan Stanley Financial Advisor Associate program.

But she found her way, inspired by her background: Her Italian grandfather moved to the United States as a teenager, and her maternal roots are in Ireland.

Immigrant small-business owners and their families (as well as her own family) are a key constituency of Ms Federico, now a financial adviser at Twelve Points Wealth Management.

"You have a lot of hands in the pot" in a family business, she said. "At some point, someone has to be the decision maker."

As an independent arbiter, a good adviser helps sharpen the important executive skill-set of making tough choices, she said. "The hardest part of my job is telling someone they can't do something they want to do because they can't afford it," she said.

Ms. Federico takes her enthusiasm to help and to make the tough decisions into the broader community. She is a co-founder of the USA 500 club, a network of high-ranking professionals, and assists young women looking to start businesses by helping them with paperwork. She also encourages others to learn about the field by having women from her alma mater, Fairfield University, shadow her.

Noting the strides that women have to make to achieve parity in the workplace, she paraphrased former Secretary of State Madeleine Albright in saying, "There's a special place in hell for a woman who doesn't help another woman."

— Trevor Hunnicutt

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Fast Facts

  • Childhood dream was to be a nurse (a job held by four generations in her family)
  • First job was selling the Boston Globe outside church on Sundays
  • Loves to dance

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