How do I save for retirement when I don't have a 401(k) through work?

We'll explore options like a Solo 401(k), SEP IRA, or other retirement accounts and build a strategy that fits your income, tax situation, and long-term priorities. The goal is steady progress at a pace that feels sustainable.

I'm earning good money, but I'm not sure where it's all going.

We'll look at cash flow across personal and business accounts, identify patterns, and create a system that supports saving and flexibility without feeling restrictive.

Am I doing the right thing with my investments?

We'll review how your investments are structured, how much risk you're taking, and whether everything is aligned with your broader plan. I don't manage investments, but I help you understand your options and make informed decisions.

How can I lower my taxes without doing anything risky or complicated?

We'll identify practical tax planning opportunities, coordinate with your CPA, and evaluate strategies that reduce unnecessary tax drag while staying aligned with your overall plan.

How do I balance saving for my child's education with everything else?

We'll look at education funding options in the context of your full financial picture and create a strategy that supports education goals without crowding out retirement or other priorities.

What should I be doing now to feel more secure long term?

We'll step back, look at the full picture, and identify the areas that deserve attention now versus later. That clarity becomes the foundation for a comprehensive plan.

We're retired. Which accounts should we spend down first?

We'll map your income sources against your tax brackets year by year, look at where Roth conversions and charitable distributions fit, and build a withdrawal order you can follow.

How do we help our kids now without creating a tax problem?

We'll look at annual gifting, 529s for grandchildren, which assets are better to give during your life and which are better to leave, and how it all works under both federal and New York rules.

Flat-Fee and Hourly Financial Planning Services

As a flat-fee, advice-only financial advisor based in New York, I work with professionals, business owners, and families who want clarity without unnecessary complexity. My role is to help you understand your options, focus on what truly matters and make financial decisions you feel confident carrying out yourself. No commissions, no product sales.

We’ll clarify how money flows through your life and create savings systems that support today while keeping future priorities on track.

Cash Flow & Savings Planning

I help you make thoughtful tax decisions throughout the year and coordinate with your CPA so taxes align with your broader plan.

Tax Planning

We'll review how your investments are structured and whether they still fit what you need, without handing control to anyone else.

Investment Planning

Whether retirement is ahead of you or already here, we'll sort out what to draw from, when to convert, and how income holds together.

Retirement Planning

We’ll evaluate education funding choices in context, so saving for school doesn’t crowd out other important priorities.

Education Planning

I help you understand what coverage actually matters, identify gaps, and avoid paying for insurance you don’t need.

Risk Management

Working with your attorney, we'll look at titling, beneficiaries, gifting, and how New York's own estate tax affects what you pass on.

Estate & Legacy Planning

For business owners, we'll align cash flow, taxes and retirement inside the business with everything happening on the personal side.

Planning for Business Owners

We’ll explore options like a Solo 401(k), SEP IRA, or other retirement accounts and build a strategy that fits your income, tax situation, and long-term priorities. The goal is steady progress at a pace that feels sustainable.
We’ll look at cash flow across personal and business accounts, identify patterns, and create a system that supports saving and flexibility without feeling restrictive.
We’ll review how your investments are structured, how much risk you’re taking, and whether everything is aligned with your broader plan. I don’t manage investments, but I help you understand your options and make informed decisions.
We’ll identify practical tax planning opportunities, coordinate with your CPA, and evaluate strategies that reduce unnecessary tax drag while staying aligned with your overall plan.
We’ll look at education funding options in the context of your full financial picture and create a strategy that supports education goals without crowding out retirement or other priorities.
We’ll step back, look at the full picture, and identify the areas that deserve attention now versus later. That clarity becomes the foundation for a comprehensive plan.
We'll map your income sources against your tax brackets year by year, look at where Roth conversions and charitable distributions fit, and build a withdrawal order you can follow.
We'll look at annual gifting, 529s for grandchildren, which assets are better to give during your life and which are better to leave, and how it all works under both federal and New York rules.

Questions We Work Through Together

Transparent Flat-Fee Pricing.

The goal of every engagement is clarity. Financial planning should help you understand your money, not overwhelm you.

I follow a consistent, accessible process that is focused on your situation: an honest assessment, a comprehensive plan built with you, and hourly check-ins once the plan is in place.

Financial Clarity Assessment

Free

An hour-long conversation about where you stand today. When you book, you'll answer a short questionnaire so we can spend our time on what matters. I'll tell you honestly what I see, including what's already working and where the opportunities are.

It's also how we get to know each other before either of us commits to anything. There's no sales pitch at the end. If your situation doesn't call for a full plan, I'll tell you that too.

2 - Flat-Fee Comprehensive Financial Plan

Comprehensive Financial Planning

$7,000

Collaborative project that brings structure and direction to your financial life. Over a series of meetings (Get Organized → Discovery → Plan Presentation → “Getting It Done” sessions), we organize the details, clarify priorities and develop a plan that reflects your life, and becomes a foundation and a roadmap.

The fee doesn't depend on the size of your accounts. Implementation guidance is included, so you're not left figuring out next steps on your own once the plan is complete.

Ongoing Hourly Planning

$300/hour

Once your plan is in place, hourly planning lets us revisit and adjust it as life evolves. Some clients check in on a regular schedule. Others reach out when something shifts, like a job offer, a business milestone, or the first year of retirement.

Hourly planning is intentionally reserved for clients who have completed a full plan. This ensures that advice you receive is the most sound and comprehensive as it is informed by the broader context.

Start With a Introductory Call

Complimentary 30-minute introductory meeting

If you’re exploring financial planning and want to see whether we’re a good fit, the best place to begin is a free introductory call. This is a short, informal conversation where I learn about you and what prompted you to reach out, and you learn how I work and what the planning process looks like.

Let's TALK