Financial Planning Services in Rochester, NY
A financial plan that shows how your decisions fit together.
Your goals, your accounts, and your taxes, finally working from the same plan.
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Financial PlanningWhat Does a Financial Plan Include?
Most people carry their finances in pieces: a 401(k) at work, an old IRA somewhere, a mortgage, college accounts, insurance nobody has reviewed in years. A financial plan puts the pieces in one place and answers the questions you have been carrying around. Can we afford to retire when we want to? Are we saving enough for the kids? What would happen to the family if one income stopped? Your plan covers cash flow, investments, taxes, insurance, and estate decisions, built around your household and updated as life changes. Education funding sits here too, where we look at accumulation strategies for the college years so that goal is not competing with your retirement in the dark.
Sal has kept one rule since he began advising in 1994: a good client is an educated client. So the process starts with listening. We learn your goals and your worries, then build a personalized financial plan. Before anything gets implemented, we walk you through the reasoning behind every recommendation.
From there the relationship is ongoing. We follow up on the goals you set between meetings and coordinate with your CPA or attorney when a decision crosses into their territory.
See where your plan stands today. It’s complimentary.
Start Your Plan →Learn the Planning Basics
Short reads on the decisions a good plan gets right, written for real households rather than finance professionals.
Financial Planning Questions
Costs depend on the scope of the work, and we go through them openly before you commit to anything; the conversations while you decide are complimentary. As a fee-only fiduciary firm, our planning and advisory fees come directly from clients, not from product providers.
Usually, yes. Investments answer one question; a plan answers the rest, including taxes, insurance, education, and what happens to the accounts you already have when life changes.
We review it together on an ongoing basis and update it whenever your life, the markets, or the tax rules move.
Yes, and we prefer to. When a recommendation could trigger a tax event or touch your legal documents, we coordinate directly with your CPA or attorney rather than leaving that handoff to you.
Your questions matter more than your paperwork. Account statements help us be specific, but the first conversation is about what’s on your mind and whether we’re the right fit.
See Your Finances in One Plan
The conversation is complimentary and obligation-free, and it is meant to leave you with a clearer picture than you came with.
Request a Complimentary Call →Prefer to talk now? Call (585) 337-4000