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.




Recently I was at my Gym doing multiple tasks; trying to work out and also talking with the owner about the merits of Life Insurance.  When all of a sudden I noticed a client working out onsome weights.   I called out to him, "Hey Joe.  Glad to see you're keeping your body in shape."  He replied.  "What are you doing here besides suffering like me?"  I said I'm talking with Dean, the owner, about some Life Insurance for him and his family.  He then shouted out to the owner, "Dean, get some Life Insurance from this guy.  I bought a policy a few years ago and it's one of the best things I've done financially.  It helped me save taxes, max-out my pension plan and the frosting on the cake pay for my daughters' wedding."  I whispered to Joe, "Thanks for the endorsement."  I went back to my work out.  After showering and dressing I then finished my presentation to Dean.  A few moments later I walked from the gym a very happy advisor for adding another client in helping him plan for perhaps another wedding.  Are your dreams for another wedding to pay for, a more comfortable retirement, or saving on taxes?  Life Insurance can play an important role.  Call me and let's start making your dreams a reality!    


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!


"All our dream can come true if we have the courage to pursue them"  Walt Disney

"Whether you think you can or you can't, you're right."  Henry Ford

"I'll tell you a secret my friend.  Don't wait for the last judgement.  I happens everyday."  Albert Camus



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.