Independent, fiduciary planning for professionals and families building wealth across the Finger Lakes. Planning leads. Investing supports it. No commissions, no jargon, no surprises.
A practice built on plain answers and patient capital.
Most of what matters happens away from the markets. We start with the life you want, then build the money around it. Investing is one piece of a much bigger picture.
Cash flow, goals, and the trade-offs between them are mapped, revisited, and kept current as life changes.
When can you stop working, and how do you draw an income that lasts? We model it in plain numbers. Read our Ithaca retirement guide →
Year-round, not just in April. We coordinate with your CPA so nothing slips through the cracks.
529s, gifting, and the conversations about money that families rarely get to have well.
Insurance gaps, wills, and beneficiaries are reviewed and aligned with what you actually intend.
Low-cost, transparent, and built to be boring. An investment portfolio you can actually understand.
Most of our clients fall into a few groups, and each one comes with its own plan documents, rules, and decisions. We've written a guide for each.
Your 403(b), TIAA Traditional vs. Fidelity, phased retirement, and New York's pension exclusion.
Read the Cornell guide → factoryPension lump-sum decisions, the Investment Plan 401(k), and the mega backdoor Roth most people miss.
Read the Corning guide → volunteer_activismInherited IRAs and the 10-year rule, step-up in basis, and what to do in the first 90 days. Which is mostly nothing.
Read the inheritance guide → wb_twilightSocial Security timing, the healthcare bridge before 65, and turning a portfolio into a paycheck.
Read the retirement guide →We get to know you, build the plan, put it into motion, and keep returning to it. Good planning is a habit you keep, together.
A few unhurried conversations. We ask a lot of questions and leave no stone unturned.
A written plan with clear, prioritized next steps in language you can read out loud.
We help you implement, not just advise. Accounts, paperwork, and follow-through handled.
Life moves. We meet through the year and keep the plan honest as things change.
“I started this practice because I think you deserve straight answers, fair fees, and an advisor who picks up the phone.”
We invest in publicly traded businesses you're familiar with, and maybe even a customer of. Think software on your phone, the credit card you pay with, the medicine in your cabinet. You can see the full list on your statement any time.
Answer a few questions and get your net worth, whether you're on track for retirement, and how long your money is likely to last. About five minutes, no account required.
No pressure and no sales pitch, just an honest look at where you stand and whether we're the right fit.
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