# Financial advisors for people close to retirement in New York > For people close to retirement in New York, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Jose Vivero of United Financial Planning Group, LLC, Erik Nero of First Step Wealth Planning, LLC and Amir Noor of N Financial Plans. Page: https://find.wellspent.co/audiences/pre-retirees/new-york/ 114 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in New York? For people close to retirement in New York, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Jose Vivero of United Financial Planning Group, LLC, Erik Nero of First Step Wealth Planning, LLC and Amir Noor of N Financial Plans. - [Jose Vivero](https://find.wellspent.co/advisors/jose-vivero/), United Financial Planning Group, LLC, New York City. Holds the CFP, RICP and EA. Fees on file: percentage of assets, hourly. - [Erik Nero](https://find.wellspent.co/advisors/erik-nero/), First Step Wealth Planning, LLC, Wilton. Holds the CFP and RICP. Fees on file: flat fee or retainer, ongoing planning fee. - [Amir Noor](https://find.wellspent.co/advisors/amir-noor/), N Financial Plans, Huntington. Holds the CFP and EA. Fees on file: hourly, ongoing planning fee. - [Maha Gannavaram](https://find.wellspent.co/advisors/maha-gannavaram/), Unique Financial Advisors, New York City. Holds the CFP and EA. Fees on file: ongoing planning fee. - [Chad Chase](https://find.wellspent.co/advisors/chad-chase/), CGN Advisors, LLC, Brooklyn. Holds the CFP and EA. Fees on file: ongoing planning fee. - [Richard McCormack](https://find.wellspent.co/advisors/richard-mccormack/), School of Personal Finance, Yorktown Heights. Holds the CFP and RICP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in New York work with people close to retirement? The Wellspent public graph lists 114 fee-only advisors for people close to retirement in New York, at 70 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for people close to retirement in New York located? Of the 114 fee-only advisors for people close to retirement in New York, 15 are in New York City, followed by 11 in Syracuse and 8 in Rochester. ## How do fee-only advisors for people close to retirement in New York charge? The most common fee among fee-only advisors for people close to retirement in New York is a percentage of assets, used by 89% of the 114 with fees on file. Many use more than one: 51% charge fixed fees and 44% charge by the hour. ## How much do fee-only financial advisors charge in New York? Fee-only financial advisors in New York charge a median of $3,600 a year for ongoing planning. We found this across the published prices of 33 New York firms. ## How much does a one-time financial plan cost in New York? A one-time financial plan from a fee-only firm in New York has a median price of $2,500. We found this across the published prices of 31 New York firms. ## What credentials should a financial advisor for people close to retirement have? For people close to retirement, look for the CFP, RICP and EA. In New York, 47% of the 114 advisors listed hold the CFP. - CFP (47% of advisors listed): The CFP covers the whole transition. - RICP (4% of advisors listed): The RICP focuses on turning savings into income. - EA (4% of advisors listed): Enrolled agents help with the low-tax years before Social Security. ## How do New York advisors for people close to retirement compare with the rest of the US? 51% of fee-only advisors for people close to retirement in New York charge fixed fees, compared with 40% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does New York tax Social Security? No. New York doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor if you're close to retirement in New York? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - How does New York tax each source of my retirement income? ## How current is this list of fee-only advisors for people close to retirement in New York? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Igor Aronov](https://find.wellspent.co/advisors/igor-aronov.md) | FAR Financial | Brooklyn, New York | CFP | One-time planning fee, Hourly | | [Amir Noor](https://find.wellspent.co/advisors/amir-noor.md) | N Financial Plans | Huntington, New York | CFP, CRPS, EA | Hourly, Ongoing planning fee, Percentage of assets, One-time planning fee | | [Andrew Altfest](https://find.wellspent.co/advisors/andrew-altfest.md) | Altfest Personal Wealth Management | New York, New York | CFP, MBA | Ongoing planning fee | | [Courtney McKenna](https://find.wellspent.co/advisors/courtney-mckenna.md) | Altfest Personal Wealth Management | New York, New York | CFP, CLU, CFA, CPA/PFS, MBA, PhD, MA | Ongoing planning fee | | [Philip Murphy](https://find.wellspent.co/advisors/philip-murphy.md) | IndiePlan LLC | Albany, New York | CFP, CFA | Subscription, One-time planning fee, Hourly | | [Erik Nero](https://find.wellspent.co/advisors/erik-nero.md) | First Step Wealth Planning, LLC | Wilton, New York | CFP, RICP | Flat fee or retainer, Ongoing planning fee | | [Kaysi Gordon](https://find.wellspent.co/advisors/kaysi-gordon.md) | Kaysi Gordon Financial Planning | Valley Stream, New York | CFP, CPA, MBA | Percentage of assets, One-time planning fee, Ongoing planning fee | | [Laura Rotter](https://find.wellspent.co/advisors/laura-rotter.md) | True Abundance Advisors | White Plains, New York | CFP, CFA, MBA | Percentage of assets, Ongoing planning fee | | [Tracy Sherwood](https://find.wellspent.co/advisors/tracy-sherwood.md) | Sherwood Financial Management | Williamsville, New York | CFP | Ongoing planning fee, One-time planning fee, Percentage of assets | | [Brett Koeppel](https://find.wellspent.co/advisors/brett-koeppel.md) | Eudaimonia Wealth LLC | Buffalo, New York | CFP | Percentage of assets | | [Chad Chase](https://find.wellspent.co/advisors/chad-chase.md) | CGN Advisors, LLC | Brooklyn, New York | CFP, MBA, CFA, BA, CPA/PFS, CIMA, ChSNC, CDFA, RFC, EA | Ongoing planning fee | | [Paul Coleman Iii](https://find.wellspent.co/advisors/paul-coleman-iii.md) | Free Time Financial LLC | Orchard Park, New York | CFP | Flat fee or retainer, Ongoing planning fee | | [Gerry Barrasso](https://find.wellspent.co/advisors/gerry-barrasso.md) | United Financial Planning Group | Hauppauge, New York | CFP, CPA, MBA, PFS | Percentage of assets, Hourly, Fixed fees | | [Jose Vivero](https://find.wellspent.co/advisors/jose-vivero.md) | United Financial Planning Group, LLC | New York, New York | CFP, ChFC, CLU, RICP, EA, CPA/PFS | Percentage of assets, Hourly, Fixed fees | | [Kerry Mayo](https://find.wellspent.co/advisors/kerry-mayo.md) | Capital Financial Advisors of New York, LLC | Clifton Park, New York | CFP, MA, MBA | Percentage of assets, Hourly, Fixed fees | | [Richard McCormack](https://find.wellspent.co/advisors/richard-mccormack.md) | School of Personal Finance | Yorktown Heights, New York | CFP, RICP | Percentage of assets, Hourly, One-time planning fee | | [Ryan Derousseau](https://find.wellspent.co/advisors/ryan-derousseau.md) | United Financial Planning Group | Hauppauge, New York | CFP, EA | Percentage of assets, Hourly, Fixed fees | | [David Rosenstrock](https://find.wellspent.co/advisors/david-rosenstrock.md) | Wharton Wealth Planning | New York, New York | CFP, MBA | Percentage of assets, Hourly, Fixed fees | | [Jonathan Thomas](https://find.wellspent.co/advisors/jonathan-thomas.md) | JQL Wealth, LLC | Pittsford, New York | CFP, CCFC | Percentage of assets, Ongoing planning fee | | [Nate Tomkiewicz](https://find.wellspent.co/advisors/nate-tomkiewicz.md) | Tomkiewicz Wealth Management, LLC | Wynantskill, New York | CFP | Percentage of assets | | [Paul Sydlansky](https://find.wellspent.co/advisors/paul-sydlansky.md) | Lake Road Advisors | Corning, New York | CFP, MBA | Percentage of assets | | [Maha Gannavaram](https://find.wellspent.co/advisors/maha-gannavaram.md) | Unique Financial Advisors | New York, New York | CFP, EA, MSFP | Ongoing planning fee | | [Rachel Sloan](https://find.wellspent.co/advisors/rachel-sloan.md) | Sloan Advisory Group, Inc. | Glens Falls, New York | CFP, CRPC | Percentage of assets, Hourly, Fixed fees | | [Scott Weiss](https://find.wellspent.co/advisors/scott-weiss.md) | Weiss Financial Group | Mahopac, New York | CFP, CRPC, AAMS, APMA, RICP, MBA | Percentage of assets, Hourly, Fixed fees | | [George Harris](https://find.wellspent.co/advisors/george-harris.md) | Bentham Wealth Advisors | Williamsville, New York | CFP | Percentage of assets, Ongoing planning fee | | [Grace Stolberg](https://find.wellspent.co/advisors/grace-stolberg.md) | O'Keefe Stevens Advisory | Rochester, New York | CFP | Percentage of assets, One-time planning fee | | [Justin Stevens](https://find.wellspent.co/advisors/justin-stevens.md) | O'Keefe Stevens Advisory | Rochester, New York | CFP | Percentage of assets, One-time planning fee | | [Louise Bryant](https://find.wellspent.co/advisors/louise-bryant.md) | Financial Spyglass® | Rye, New York | CFP, MBA, RLP | Fixed fees | | [Peter O'Keefe](https://find.wellspent.co/advisors/peter-o-keefe.md) | O'Keefe Stevens Advisory | Rochester, New York | CFP | Percentage of assets, One-time planning fee | | [Steven Witter](https://find.wellspent.co/advisors/steven-witter.md) | Bentham Wealth Advisors | Williamsville, New York | CFP | Percentage of assets, Ongoing planning fee | | [Taylor Nissi](https://find.wellspent.co/advisors/taylor-nissi.md) | Farther | White Plains, New York | CFP | Percentage of assets, Flat fee or retainer | | [Adam Kalender](https://find.wellspent.co/advisors/adam-kalender.md) | Milestone Asset Management Group | Pearl River, New York | CFP | Flat fee or retainer | | [Jesse Rodriquez](https://find.wellspent.co/advisors/jesse-rodriquez.md) | Rodriquez Wealth Management | Newport Beach, New York | CFP | Percentage of assets | | [Joseph Carbone](https://find.wellspent.co/advisors/joseph-carbone.md) | Focus Planning Group | Bayport, New York | CFP | Percentage of assets, Hourly, Flat fee or retainer, One-time planning fee | | [Lawrence Blau](https://find.wellspent.co/advisors/lawrence-blau.md) | LL Financial Services | Ossining, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Samuel McPherson](https://find.wellspent.co/advisors/samuel-mcpherson.md) | McPherson Financial Advisors | New York, New York | CFP | One-time planning fee, Percentage of assets, Hourly | | [Jennifer Weber](https://find.wellspent.co/advisors/jennifer-weber.md) | Weber Asset Management | Lake Success, New York | CFP | Percentage of assets | | [Larry Sprung](https://find.wellspent.co/advisors/larry-sprung.md) | Mitlin Financial, Inc | Hauppauge , New York | CFP | Percentage of assets, Flat fee or retainer | | [Patrick Cicchetti](https://find.wellspent.co/advisors/patrick-cicchetti.md) | Ryse Capital Management | Rochester, New York | | Flat fee or retainer, Hourly, One-time planning fee | | [Andrew Pallas](https://find.wellspent.co/advisors/andrew-pallas.md) | Minich MacGregor Wealth Management | Saratoga Springs, New York | CFP | Percentage of assets, Fixed fees | | [Brenton Smith](https://find.wellspent.co/advisors/brenton-smith.md) | Minich MacGregor Wealth Management | Albany, New York | CFP | Percentage of assets, Fixed fees | | [Cory Laird](https://find.wellspent.co/advisors/cory-laird.md) | Minich MacGregor Wealth Management | Saratoga Springs, New York | CFP | Percentage of assets, Fixed fees | | [Dalya Inhaber](https://find.wellspent.co/advisors/dalya-inhaber.md) | Minerva Wealth Advisory | New York, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Darren Leader](https://find.wellspent.co/advisors/darren-leader.md) | Acacia Grove Wealth | Schenectady, New York | CFA | Percentage of assets, Hourly, One-time planning fee | | [Eugene Skorodinsky](https://find.wellspent.co/advisors/eugene-skorodinsky.md) | Minerva Wealth Advisory | New York, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Michael Bernstein](https://find.wellspent.co/advisors/michael-bernstein.md) | Lionshead Wealth Management | New York, New York | CFP | Percentage of assets, Fixed fees | | [Scott Lasky](https://find.wellspent.co/advisors/scott-lasky.md) | Lionshead Wealth Management | New York, New York | CFP | Percentage of assets, Fixed fees | | [Arynton Hardy](https://find.wellspent.co/advisors/arynton-hardy.md) | Savvy | New York, New York | | Percentage of assets, One-time planning fee | | [George Waters](https://find.wellspent.co/advisors/george-waters.md) | Infiniti Wealth Management | Brewster, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Gregory Vogel](https://find.wellspent.co/advisors/gregory-vogel-8345511.md) | O'Keefe Stevens Advisory | Rochester, New York | | Percentage of assets, One-time planning fee | Showing the first 50 of 114. The full list, page by page: https://find.wellspent.co/audiences/pre-retirees/new-york/?page=2 ## Related - [Retirement planning in New York](https://find.wellspent.co/specialties/retirement-planning/new-york.md) - [Estate planning in New York](https://find.wellspent.co/specialties/estate-planning/new-york.md) - [Tax planning in New York](https://find.wellspent.co/specialties/tax-planning/new-york.md) - [Family wealth transfer in New York](https://find.wellspent.co/specialties/family-wealth-transfer/new-york.md) - [Founders in New York](https://find.wellspent.co/specialties/founders-pre-exit/new-york.md) - [Small business owners in New York](https://find.wellspent.co/specialties/small-business-owners/new-york.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).