• What is our planning process?

    Our process starts with getting to know you — your goals, values, and financial picture. From there, we design a personalized plan to help you pursue those goals, adjust it as life changes, and provide ongoing guidance along the way. It’s a collaborative, step-by-step approach built on trust, clarity, and flexibility.

  • What services do we offer?

    • Holistic retirement planning, including income needs, Social Security strategies, pension analysis, Roth Conversions
    • Insurance needs analysis, including long-term care insurance
    • Tax-efficient and cost-efficient investing
    • Individual fixed-income portfolio construction

  • What is CFANY’s investment philosophy?

    A disciplined, actively monitored, tax-efficient approach; we do not attempt to time markets; use ETFs and institutional share class mutual funds and individual bond portfolios to manage expenses; diversification to manage risk.

  • How is CFANY Compensated?

    We are Fee‑Only; compensated only by our clients and in a very transparent manner; never accept commissions or kickbacks; never sell any products, like annuities, insurance (but we can help evaluate their value to the client)

  • Who holds and custodizes client assets?

    All assets are held at Fidelity Institutional, who provides 24-hour on-line access to client assets. CFANY provides transparency through quarterly statements. We do not have custodial control over client funds.

  • What are the common concerns or questions that our clients ask us?

    • “Do I have enough to retire comfortably?”
    • “How do I know when to take Social Security?”
    • “Can I rely just on investment income in retirement?”
    • “How do I plan for unexpected events?”

    CFANY addresses these through personalized modeling, risk management, tax-smart planning, and clearly structured income strategies.

  • Which credentials and professional affiliations does CFANY hold?

    The CFP credential (Certified Financial Planner) credential is a prestigious certification for financial professionals. To become a CFP professional, you must meet several requirements, including:

    • Education: Obtain a bachelor's degree and complete a CFP Board Registered Education Program.
    • Experience: Gain relevant professional experience in financial planning.
    • Examination: Pass the CFP exam, which tests your knowledge and skills in various areas of financial planning.

    CFP professionals are trained to provide comprehensive financial planning services, including investment strategies, retirement planning, tax strategies, and estate planning. This certification is recognized as a standard for financial planning and signifies a commitment to ethical standards and client interests.

    The Chartered Financial Analyst (CFA®) designation is a highly respected credential in the financial industry. It represents advanced expertise in investments and a commitment to the highest ethical standards, giving you confidence that your advisor is trained to put your best interests first.

  • Where is the office located and who can I contact?

    Location: 10 Maxwell Drive, Suite 104B, Clifton Park, NY 12065, although we have clients in 11 states, Maine, Florida, Texas, Ohio, Utah, California… just name some.

    Contact Kerry or Julie by phone at (518) 280-0030 or via the website.