Financial Advisory Services for Business Owners, Entrepreneurs & Pre-Retirees in New York

Every client situation carries its own complexity. Whether you are running a business, managing a concentrated position, or preparing for the next chapter, the work starts with understanding your full picture before recommending anything. Below are the areas where I help clients most often. Each links to a page with more detail.

Tax Mitigation

For business owners and high income professionals, tax strategy is often where the largest dollars are found. I review your current situation alongside your CPA to identify where inefficiencies may exist, then coordinate with tax specialists to evaluate strategies appropriate to your circumstances. This includes entity level planning, real estate related approaches, and coordination around liquidity events where timing can materially affect the outcome.

  • Tax mitigation strategies

  • Comprehensive tax review

  • Real estate tax strategies

  • Coordination with your CPA and tax counsel

Wealth Management

Every investment strategy starts with your goals, not a template. I begin with a written investment policy statement that documents your objectives, time horizon, and risk considerations, then build an individualized portfolio around it. Portfolios are constructed using individual equities and exchange traded funds rather than mutual funds, monitored on an ongoing basis, and adjusted as your circumstances change. Client assets are custodied at Charles Schwab and held in your name.

  • Customized investment policy statements

  • Individually tailored portfolios

  • Ongoing implementation and monitoring

  • Fiduciary advice

Equity Investing

Markets are where I have spent my career, and it is the part of this work I find most engaging. I build portfolios using individual stocks and exchange traded funds, applying both fundamental analysis and technical analysis to evaluate positions and manage risk. For income focused clients, I construct dividend growth portfolios built around companies with long records of increasing distributions. Every position is evaluated against your objectives rather than a model allocation.

  • Individual equity selection

    Dividend growth strategies

    Technical and fundamental analysis

    Risk management and position sizings

Concentrated Stock Positions

A single large holding, whether from an employer, a founding stake, or a long held investment, creates a different set of problems than a diversified portfolio. The tax cost of selling often conflicts with the risk of holding. I work with clients to evaluate their options, model the tax consequences alongside their CPA, and build a plan for reducing exposure over time in a way that fits their broader financial picture rather than forcing an all or nothing decision.

Position risk assessment

Staged diversification planning

Tax coordination with your CPA

Charitable and estate planning integration

Retirement Planning

Whether retirement is decades out or approaching, the work is the same in structure: understand where you stand, model where you are headed, and identify the gap. I look at current savings, expected income sources, projected expenses, and timeline, then build a strategy that accounts for inflation, taxes, and the life you actually want to live. This is not a one time exercise. We revisit the plan as circumstances change, because they always do.

Retirement income projections

Distribution and withdrawal planning

Social Security claiming analysis

Ongoing plan review and adjustment

401(k) Rollovers

Leaving a job or retiring raises a decision about what to do with your employer plan. The options include leaving the assets where they are, rolling to a new employer plan, rolling to an IRA, or taking a distribution. Each carries different implications for investment options, fees, creditor protection, and required distributions. I walk through the tradeoffs specific to your situation so you can make an informed decision, and handle the mechanics if a rollover makes sense.

Plan review and option comparison

Fee and investment option analysis

Rollover execution and coordination

Post rollover portfolio construction

Roth Conversions / Backdoor Roth

Add a IRA Plan ServicesTitle Here

IRAs sit at the center of most retirement pictures, and the rules around them have grown more complicated. I help clients with contribution and conversion decisions, beneficiary designations, required minimum distributions, and inherited IRA planning under current distribution rules. Where a spousal rollover or inherited account is involved, the sequencing matters and mistakes are often irreversible.

Traditional, Roth, and SEP IRA planning

Roth conversion analysis

Required minimum distribution planning

Beneficiary and inherited IRA coordination

Estate Planning

Estate planning is more than documents. It requires the financial plan, the investment strategy, the tax picture, and your actual wishes to line up. I work alongside your attorney and CPA to coordinate the financial elements: how assets are titled, how beneficiaries are designated, where liquidity will come from, and how wealth transfers to the people and causes you care about. Where you do not have an attorney, I can introduce you to estate counsel I work with regularly.

  • Beneficiary and titling review

  • Estate liquidity planning

  • Trust funding coordination

  • Collaboration with your attorney and CPA

Insurance and Risk Management

Protecting what you have built matters as much as growing it. I evaluate where your financial plan carries exposure, whether that is income replacement for a family, liquidity to cover estate taxes, or funding for a buy sell agreement between business partners. Where insurance is appropriate, I help evaluate coverage needs and structures.

  • Life insurance needs analysis

  • Estate liquidity strategies

  • Premium finance evaluation

  • Existing policy review

Business Owner Planning

Owning a business adds layers most planning tools are not built for. Your personal balance sheet and your company's are connected, and decisions on one side affect the other. I help owners coordinate retirement plan design, key person and buy sell funding, liquidity planning ahead of a sale, and the personal financial planning that should happen well before a transaction rather than after it. The objective is to consider the business alongside your broader financial life rather than in isolation.

  • Business succession and exit planning

  • Buy sell agreement funding

  • Key person coverage evaluation

  • Retirement plan design for owners

  • Pre sale liquidity and tax coordination

Charitable Giving

If giving is part of your objectives, the structure matters as much as the amount. I help clients evaluate approaches including donor advised funds, qualified charitable distributions from IRAs, and gifts of appreciated securities, which can be particularly effective when a concentrated position is involved. Charitable strategy is considered within the broader plan and coordinated with your tax and legal professionals.

  • Donor advised fund evaluation

  • Qualified charitable distributions

  • Gifting appreciated securities

  • Coordination with your tax and legal advisors

🌍 Insurance and Risk Management

Protecting what you've built is just as important as growing it. I work with specialists to design insurance and risk management solutions including:

  • Life Insurance Strategies
  • Premium Finance
  • Estate and Insurance Planning, Review, and Implementation

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by Tango Advisor Marketing to provide information on a topic that may be of interest. Tango Advisor Marketing is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

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