Chelsea Makowski
Senior Financial and Tax · Orchard Park, New York
Chelsea Makowski is a fee-only financial advisor at Senior Financial and Tax in Orchard Park, New York, who holds the CFP credential. Chelsea focuses on retirement planning, estate & legacy planning and tax planning. Senior Financial and Tax reports charging a percentage of assets and fixed fees on its Form ADV.
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Specialties
Facts
| Firm | Senior Financial and Tax |
|---|---|
| Based in | Orchard Park, New York |
| Fee model (firm's Form ADV) | Percentage of assets · Fixed fees |
| Accepting new clients | Yes |
| Assets under management | $40.7M across 87 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in NY · CRD 7474210 |
| Exams passed | Series 65 (2016) |
| Firm size | 2 employees |
| Disclosures | None reported |
| Website | www.sftaweb.com |
How Chelsea's firm compares
- Senior Financial and Tax's average account is about $468,000, from its Form ADV (assets managed divided by 87 accounts).
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Questions about Chelsea
Is Chelsea Makowski a fee-only financial advisor?
Yes, according to SEC records as of October 29, 2026: Chelsea holds no broker registration, and Senior Financial and Tax reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.
How does Chelsea charge for financial advice?
Chelsea's firm, Senior Financial and Tax, reports charging a percentage of assets and fixed fees on its SEC Form ADV.
Where is Chelsea Makowski based?
Chelsea Makowski is based in Orchard Park, New York.
What does Chelsea specialize in?
Chelsea's specialties include retirement planning, estate & legacy planning and tax planning.
What credentials does Chelsea Makowski hold?
Chelsea Makowski holds the CFP credential.
Is Chelsea Makowski registered with the SEC?
Yes. Chelsea Makowski is registered as an investment adviser representative in NY (CRD 7474210), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.
How much does Senior Financial and Tax manage?
Senior Financial and Tax reports $40.7M across 87 accounts in assets under management.
How do I contact Chelsea Makowski?
Through Chelsea's website, www.sftaweb.com.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- Senior Financial and Tax website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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