Married couples in Central New York who are good savers and are within five years of retirement or newly retired. Pension decisions are my specialty, but you don't need a pension to work with me. Some clients are both still working, some have inherited money, and most want what they've built to take care of each other and their adult children. They'd rather hand off the planning than do it themselves.

1.3% a year on assets I manage, billed monthly. No commissions, upfront costs, hourly billing, or cancellation charges.

I'm paid only by my clients, never by product commissions, and I'm required to act in your best interest.

Central New York. I meet clients face to face at my office in Chittenango. Clients include households in Syracuse, East Syracuse, DeWitt, Manlius, Fayetteville, Cazenovia, Oneida, Utica, Rome, Cortland, Homer, Auburn, Skaneateles, Seneca Falls, and Baldwinsville.

We discuss why you wanted to meet in the first place, what your current situation is, and where you want to go. It's a simple conversation.