The first meeting costs nothing, and you don't have to hire us after it.
This is a demonstration website; nothing here is investment advice.
37-32 61st Street, Woodside, NY 11377
About
Renters and first-time buyers, families with more than one earner, city workers, business owners and families who send money home, and the plan page for each.
AI-generated illustration. Not a real home or business.
The practice is built for the households of western Queens as they are: renters and first-time buyers, families with two or three earners, people who work for the city, people who run a small business, and people who send money to family abroad every month.
What these households share is a set of decisions that pull against each other, and a wish to see them in order on paper.
Described in general. Your own household will not fit any of them exactly, and a plan is written for yours.
Renting is not a stage to hurry through. A plan for a household that rents asks how large a reserve to keep for a bad month, which debt to clear first, and whether buying a home is a goal with a date or a hope without one.
If it is a goal, the plan sets out what would have to be true before you buy, and leaves the choice of home to you.
When a grandparent, a parent and a grown child all bring money into one home, the first question is not what anybody earns but who decides what.
A plan for a household like that names the person each decision belongs to, keeps each earner's own goals in view, and says which costs are shared and which are not.
A city job comes with a pension, a deferred compensation plan and retiree health coverage, each with its own office and its own forms.
A plan does not choose among a pension's options. It lists the questions to put to the pension system and shows how each answer would change the rest.
Retirement planning Before you retire from a city job: the questions to ask first
When the business is most of what a family owns, the household's own plan is easy to lose inside it.
A plan here keeps the two apart: what the household needs from the business each month, what a slow season does to that, and which questions go to the CPA who keeps the business's books.
Money sent to parents, to a sibling's school or toward a house being built back home is part of the month, not a leak in it.
A plan treats it that way: it sits beside the rent and the savings as a cost the household has chosen, and the rest of the plan is written around it.
Saving for a child sits beside a home, money set aside for emergencies and retirement, and pulls against each of them.
A plan puts education among the household's other goals and lists the questions to settle before any account is opened.
Saving for education Saving for college in New York: the accounts, described, and the questions first
Meetings can be held in English, Spanish, Bengali or Tagalog, with the planner who speaks it. Written plans are in English.
Some people want a planner who also invests their money and watches the accounts. This practice does neither.
There is nothing to sell here: no insurance, no annuity, no fund, no account. The practice never holds, moves or manages your money; you act on a plan in your own accounts, wherever they already are.
A first meeting costs nothing, gives no advice and asks nothing of you afterwards: about forty-five minutes, at the office or by video. The office replies in office hours.