Address:
18 Liberty Square Mall Stony Point, NY 10980
Phone:
845-942-8578
Fax/Other:
845-689-2051

A Message From Our Founder

I entered this profession in 2003 so that I could help individuals and families work to attain—and then maintain—their target lifestyle. The challenges to assisting my clients in this task are plentiful, most notably because everyone has a different set of circumstances, values, and goals, each of which may themselves be changing over time.

However, the principles that allow us to make important life decisions—and then take action toward their attainment—rarely change. Any improvement in my ability to assist clients will therefore pertain not to a reformulating of the basic framework which applies to each of us, but to the way in which I am able to communicate such principles, to connect them to the issues at hand, and to encourage and support a course of action that is aligned with the values and goals that motivated the process from the beginning.

It is with this perspective that I commit myself, and my company.

- Matthew Clement, CFP®, AIF®

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Planning for Individuals & Families

We have had the privilege of guiding three generations of clients, applying a consultative approach to managing the complexities that accompany wealth. Our offerings reflect the distinct needs of the families we serve, including coordination with other professional advisors such as CPAs and attorneys to help ensure our service is properly coordinated with all aspects of your life.

From wealth accumulation to wealth transfer, you can turn to us for comprehensive financial planning and leading-edge resources. Our experience with families of many different backgrounds, along with access to technology and advanced resources, allows us to customize our work to your specific needs. You’ve spent a lifetime building a legacy. Let us apply an objective approach to maximizing it.

A Focus on Retirement:

With retirees living longer, more active lives, it’s essential for your retirement plan to work for you, helping you enjoy the life you’ve envisioned while also mitigating risk that could make your resources vulnerable. We help pre-retirees and retirees overcome the challenges of such a profound lifestyle change.

Working together, we talk about what you need and want your money to do for you and assess the likelihood that you’ll be able to achieve these goals. If you have to make trade-offs, we help you prioritize based on what’s most important to YOU and demonstrating you how small changes might make a big impact over time. We also talk about the things that concern you, and strategies that can help alleviate those concerns. As your lifestyle changes, we update your financial plan to keep you moving in the direction you want to go.

We also strive to ensure that your wealth passes in the most efficient way to your heirs and philanthropic endeavors through estate and legacy planning. With our help, you have a full range of resources at your disposal.

Services Include:

  • Goals-Driven Investment Management
  • Insurance & Risk Management
  • Retirement Income Planning
  • Social Security Optimization
  • Estate and Legacy Planning and Wealth Transfer
  • Asset Distribution Strategies
  • Health and Healthcare Planning
  • Long-Term Care Funding

Customized Strategies for Business Owners and Entrepreneurs

As a business owner, you’ve built something you care about – and you want to see it last. We understand. We’re well-versed in the challenges and opportunities before you. As your financial coordinator and guide, we help you further your own brand of success by giving you the confidence to focus on what you do best.

You have developed the skills you need for success in the marketplace, and you likely feel an unceasing commitment to running your business. Like all business owners and entrepreneurs, you’ve also learned that your personal and professional lives may intertwine in ways you had not anticipated. We can help you see all angles of the bigger picture – important things like passing on a legacy to the next generation and helping to ensure your workers have options for retirement planning.

We help you cut through the complexity of your financial situation to create, implement and manage an all-encompassing plan designed to pursue your goals – personally and professionally. Our strategies capitalize on our deep resources and insightful analysis and are customized to your needs. The result is a balanced plan interwoven with the details of how you picture your life.

Services Include:

  • Business Sales and Valuations
  • Retirement Plans
  • Personalized Wealth & Investment Management for Business Owners
  • Risk Management
  • Lending Solutions
  • Insurance & Tax Deferred Annuities
  • Business Transfer and Estate Planning
  • Corporate Charitable Giving and Philanthropy
  • Cash Management

Investment Advisory Services

  • Planning-Based & Goals-Driven Portfolio Management
  • Behavioral Investment Counseling
  • Consolidation and Coordination of Accounts
  • Fiduciary Investment Review & Assessment

Comprehensive Long-Term Financial Planning, including our proprietary Lifestyle, Legacy & Income Planning Models

  • SRM™ Sequence of Returns Mitigation
  • Decadization™ Analysis
  • LOOVIE™ Income Management System
  • Gifting, Estate Planning, and Multi-generational Income Planning

A Focus on Fundamentals

  • Permanent Protection of Purchasing Power
  • Planning for, and reducing the impact of, taxes and inflation
  • Isolating and Reducing Real Risks
  • Transition & Health Planning
  • The Twelve Fundamentals of Retirement Planning™

Outside Variables Integration

  • Medicare Consulting and Plan Selection
  • Pension and Social Security Planning
  • Insurance & Risk Management
  • College Funding for Children & Grandchildren

Lending solutions provided primarily through Pershing LLC, member FINRA, NYSE, SIPC. Pershing LLC is a subsidiary of The Bank of New York Mellon Corporation.