As a Certified Financial Planner (CFP) and Chartered Financial Consultant (ChFC) with thirty-five years experience, we have helped businesses and families preserve, prosper and grow their hard earned wealth.




Just a few weeks ago a long time client who ran an electrical supply shop called me with some questions on his RMD's for his IRA Rollover.  He had been retired for a few years.  I did some basic calculations and confirmed with him that we had the correct dollar amount that needed to be withdrawn.  Next we updated his account and was presently surprised at the results.

He then reminded me when we first met, on a referral some twenty years ago, that he was reluctant to change as he had been regularly depositing monies into a Bank account.  He reasoned that the money was "safe" and he quite didn't understand stock and bond investments.  We had a brief meeting with him and his three full-time employees.  We had a meeting and I ran over some basic ideas about the market and he hesitated.  After several more meetings, he decided to take the plunge and invested the full account for all four people.

Now he was thanking me for his retirement account as it had achieved double digit returns even during the early recessions of 2000-2002 and the sub prime lending crisis.  "I'm grateful for all the work you've done for me and my people."  Give me the opportunity to help you, your family and perhaps the employees at your firm.  I act as a Manager on your accounts with no commissions, working on a fee only basis.  Let's see if there's a fit.  You only have a few minutes to invest. Hope to hear from you soon and add you to the list of many happy, satisfied clients.



Due to the COVID-19 pandemic and because we are passionate about creating a written financial plan for you and your family, we are unconditionally offering to write an individualized plan at no charge!  All we need is for you to complete a financial inventory.  We can complete this plan by either the phone or digitally.  Out of respect of social distancing, there is no requirement to meet.  Call 518 377 3245 or email  There are no further obligations!


"The return OF my money is more important than the return ON my money."  Mark Twain

"Sometimes life hits you in the head like a brick.  Don't lose faith because sometimes the  people

who are crazy to think they can change the world, are the one who actually do."  Steve Jobs

"Never stop because you are afraid, you are never so likely to be wrong."  Nansen, Nobel Peace Prize Winner

"I've lost over 300 games.  26 times I've been trusted to take the game winning shot and missed.  I've failed

over and over and over again in my life.  And that is why I succeed."  Michael Jordan 


Other advisors talk about specific products.  I listen to your life story;  what you value, your dreams and aspirations for your life and your family. I want to connect in a meaningful way;  one that improves the quality of your life and not simply with investments. Here are two examples which make my firm unique.


We face many risks everyday: the threat of inflation, increasing taxes, loss in your savings from market volatility, auto accidents, identity theft, lawsuits, loss of a business, and even the loss of your income to name only a few.  I help by not only transferring these risks but in some instances minimizing them or even outright eliminating them.  Visit the "About Us" tab on the top tool bar for more information.  


I work with your most trusted CPA advisors to minimize your tax burden; in some ways by up to 40 percent. Of course we consider your IRA or 401(k) plans  but we also  significantly lower the taxes you pay Uncle Sam through new,emerging IRS approved plans.  Many of our clients have benefited by shifting from taxable investments to tax-deferred and even tax-free holdings that are free from both federal and state taxes.

Please visit our Resource Center (top toolbar) where you will find an abundant supply of videos, flipbooks, assorted articles and even calculators to help you achieve your financial dreams.  

Be sure to visit us soon as we frequently update this site.  Thank you for your visit and we look forward to partner with you in your quest for financial success.