# Financial advisors for retirees in New York > For retirees in New York, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include J. Scott Kittrell of Modera Wealth Management, LLC, Jose Vivero of United Financial Planning Group, LLC and Erik Nero of First Step Wealth Planning, LLC. Page: https://find.wellspent.co/audiences/retirees/new-york/ 109 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 as a retiree in New York? For retirees in New York, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include J. Scott Kittrell of Modera Wealth Management, LLC, Jose Vivero of United Financial Planning Group, LLC and Erik Nero of First Step Wealth Planning, LLC. - [J. Scott Kittrell](https://find.wellspent.co/advisors/j-scott-kittrell/), Modera Wealth Management, LLC, New York City. Holds the RICP, CFP and EA. Fees on file: percentage of assets, flat fee or retainer. - [Jose Vivero](https://find.wellspent.co/advisors/jose-vivero/), United Financial Planning Group, LLC, New York City. Holds the RICP, CFP 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 RICP and CFP. Fees on file: flat fee or retainer, 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 RICP and CFP. Fees on file: percentage of assets, hourly. - [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. ## How many fee-only financial advisors in New York work with retirees? The Wellspent public graph lists 109 fee-only advisors for retirees 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 retirees in New York located? Of the 109 fee-only advisors for retirees in New York, 19 are in New York City, followed by 8 in Rochester and 7 in Corning. ## How do fee-only advisors for retirees in New York charge? The most common fee among fee-only advisors for retirees in New York is a percentage of assets, used by 89% of the 109 with fees on file. Many use more than one: 47% charge fixed fees and 37% 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 retirees have? For retirees, look for the RICP, CFP and EA. In New York, 45% of the 109 advisors listed hold the CFP. - RICP (5% of advisors listed): The RICP focuses on income in retirement. - CFP (45% of advisors listed): The CFP covers tax, insurance, and estate decisions together. - EA (5% of advisors listed): Enrolled agents help with RMDs and Medicare surcharges. ## 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 as a retiree in New York? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does New York tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees 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 | | [Christopher Kehoe](https://find.wellspent.co/advisors/christopher-kehoe.md) | R.W. Roge & Company, Inc. | Bohemia, New York | CFA, MBA, AIF, CFP, CMFC | Percentage of assets, One-time 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 | | [Curtis Pope](https://find.wellspent.co/advisors/curtis-pope.md) | Pope Wealth Planning | New York, New York | CFP | One-time planning fee, Ongoing planning fee, Flat fee or retainer, Percentage of assets | | [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 | | [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 | | [Christopher Congema](https://find.wellspent.co/advisors/christopher-congema.md) | Landmark Wealth Management, LLC | New York, New York | CFP | Percentage of assets | | [David Frisch](https://find.wellspent.co/advisors/david-frisch.md) | Frisch Financial Group, Inc. | New York, New York | CFP, CPA/PFS, CFS, CDFA, MSFS, CRPC | Percentage of assets, Fixed fees | | [J. Scott Kittrell](https://find.wellspent.co/advisors/j-scott-kittrell.md) | Modera Wealth Management, LLC | New York, New York | CFP, CFA, ACA, EA, DDS, MBA, CDFA, AAMS, BFA, Chartered SRI Counselor, CPWA, ChFC, CPA, CEPA, ChSNC, AIF, CPA/PFS, MSFS, CLU, RICP, BS | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time 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 | | [Allison Vanaski](https://find.wellspent.co/advisors/allison-vanaski.md) | Arcadia Wealth Management | New York, New York | CFP | Percentage of assets, Hourly | | [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 | | [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 | | [Paul Sydlansky](https://find.wellspent.co/advisors/paul-sydlansky.md) | Lake Road Advisors | Corning, New York | CFP, MBA | Percentage of assets | | [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 | | [Rajiv Dixit](https://find.wellspent.co/advisors/rajiv-dixit.md) | Serenity Capital Advisors | Pittsford, New York | CFP | Percentage of assets | | [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 | | [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 | | [Anthony Ogorek](https://find.wellspent.co/advisors/anthony-ogorek.md) | Ogorek Wealth Management | Williamsville, New York | CFP | Percentage of assets, Fixed fees | | [Jeffrey Viksjo](https://find.wellspent.co/advisors/jeffrey-viksjo.md) | Ogorek Wealth Management | Williamsville, New York | CFP, CFA | Percentage of assets, Fixed fees | | [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 | | [Matthew Hague](https://find.wellspent.co/advisors/matthew-hague.md) | Guide Wealth Management | Putnam Valley, New York | CFP | Percentage of assets | | [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 | | [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 | | [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 | | [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 109. The full list, page by page: https://find.wellspent.co/audiences/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).