I am a Fee-Only, fiduciary, Certified Financial Planner. 

I follow an economists approach to investing and financial planning. If you are currently working and have at least 10+ years left until retirement, you may be wondering if you are on pace to have the proper amount saved.

If you are retiring or in retirement, you may be wondering how you are going to make your retirement assets last throughout your retirement years.

These are the main themes that I provide answers and solutions for. Everything else (e.g. investment planning, insurance planning, estate planning, tax planning) is a sub-category to answering the two main concerns addressed above.

Your questions and concerns may be, but not limited to:

• How much do you need to retire?
• When can you retire?
• How will you draw upon your assets through retirement?
• How will you make your assets last and generate the proper income through retirement?
• Are you invested appropriately to meet your goals?
• How should you be invested?
• How will you pay for college?
• How should you collect your pension? (Government Employees; 403b and 457)
• What is an affordable house for you?
• How much can you afford to pay for home improvements?
• When should you refinance a mortgage?
• Do you have the proper insurance coverage?
• Understanding the advantages/disadvantages of investing in Real Estate
• How should you deal with stock options from your company? (Corporate Employees; 401k)
• How & when to file for social security?
• What do you do about a Will? Do you need a Will?

Some people have no idea what their budget is. Some people have no idea if they are saving enough. Some people have no idea how they are invested. Some people spend more time planning their vacations than they spend on financial planning.

If any of the above feels like you, what are you waiting for?

A Goal without a Plan is just a Wish.

Specialties

• Asset Management
• Investment Planning
• Budgeting & Cash Flow Planning
• Planning & Budgeting for Retirement Income
• Investmen Optimization
• “Second Opinion” Investment Analysis
• Risk Management or Insurance Planning
• Personal Finance Consultation

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Personal Bio

My story begins in the “upstate” NYC metro area, and I’ve been here my whole life. I am married to an amazing woman who inspires me everyday, and we have two young children that fill our lives with light & joy (and restless nights). I am 44 years old and have been working in finance for close to two decades. This is a family business that started with my father, who is now retired, and now I’m lucky to be working side-by-side with one of my brothers. When I’m not working or with family, I’m engaged in one of my many (probably too many) hobbies: Golf, mountain biking, Brazilian jiu-jitsu, rock climbing, snowboarding, camping, and hiking. I’m a goofy and nerdy dude, with a lust for life. I probably eat too much steak and pizza and cookies. I feel life is to be experienced, and I want to enjoy the ride and soak up the moments. Sometimes the most enjoyable moments are the process and journey, and not the destination. I played a few sports when I was younger and more spry, aging is undefeated at slowing us down. I got to travel some; stateside and international. And I have a few more “interested in going” pins on the map. Life is good, and I’m excited for the next chapters of my story.