top of page
Financial Report

Personal Financial Planning

Saving for Retirement and the Future Requires a Plan

As soon as you start working, you are asked to put aside money from your paycheck for retirement.  While it is essential to save money for retirement, it is not the only reason you need to control your finances.

Saving for retirement and building wealth requires specialized attention.  The guidance we offer in personal financial planning includes going through all your possible options, discussing the tax implications, how to improve upon the investments you currently hold and how you can diversify your portfolio.

All investment involves a certain level of risk.  We talk about your situation to decide the level of risk you are willing to take on. Of course, no one can guarantee how the stock market will perform. Still, with our experience, we can help guide you to a financial plan that will generate growth, create wealth, set you up for retirement.  We will even assist you in leaving a legacy for the next generation.

Potential Goals for Your Personal Financial Plan


Saving for Retirement

Through a series of questions, we can help you determine your retirement goals and requirements. We will analyze your assets, liabilities, current sources of income, and the goals you have in mind for retirement. We will identify where you are doing well and where your shortfalls are. Then, with all of this information, we will recommend a retirement plan based on your goals, current financial situation, and risk tolerance.

Paying for College

College is expensive.  Students often finish school with debt that can take 20 years to pay off.  We analyze the amount of money you will need to pay for your kid’s college tuition, along with your current assets and investments. With all of this information, we can help you determine the amount you will need to save and give you options to proceed.

Other Services

Tax Preparation

Preparing your own income tax return can be a task that leaves you with more questions than answers.

Tax Planning

Expert Tax Planning Gets You Prepared for Tax Seasons and Removed the Surprises from Tax Preparation

Tax Problems

If you are having problems related to the IRS or the NY Department of Finance, we can help.

New Business Formation

You've dreamed of owning your own business, and now it is time to act on those dreams.

Protecting Your Family from Disability


Many families do not have enough savings to cover their living expenses if the main money-maker in the family becomes disabled. Therefore, creating an emergency fund is vital for every family. We will review any insurance policies you have along with short- or long-term disability policies you may have. We will also review all your powers of attorney or health care proxies to ensure that you are properly covered in case of an emergency so you can be properly taken care of.

Achieve Your Investment Goals

You don’t want to work your entire life without enjoying time off with your friends and family. When you retire, you may want to finally explore the world as you were never able to with a limited amount of vacation time your job allowed for. We will discuss your investment goals and help you set up a plan that will enable you to achieve your goals within your risk tolerance levels.

Leave a Legacy for Future Generations

Proper financial planning will help you maximize your estate while minimizing your tax liability. We will discuss the options of giving financial gifts while you are still alive to family and future generations. We will also discuss your options related to your Last Will and how to minimize the costs of probate, creditors, lawyers, and estate taxes. We will help you to retain control of your financial life and protect as much as possible.

Contact Certainty Tax Advisors

The sooner you implement a financial plan, the more you will save for everything you want to pay for, from college to vacations to your retirement and even final expenses. Call Certainty Tax Advisors to schedule a free consultation.

bottom of page