# Financial advisors for retirement planning in New York City, New York > For retirement planning in New York City, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include J. Scott Kittrell of Modera Wealth Management, LLC, Jose Vivero of United Financial Planning Group, LLC and Courtney McKenna of Altfest Personal Wealth Management. Page: https://find.wellspent.co/specialties/retirement-planning/new-york/new-york-city/ 58 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 about retirement planning in New York City? For retirement planning in New York City, talk to a fee-only planner who builds a withdrawal plan, not only an investment portfolio. Look for someone who works out where your income comes from each year, in what order, and what tax it triggers. Records to start with include J. Scott Kittrell of Modera Wealth Management, LLC, Jose Vivero of United Financial Planning Group, LLC and Courtney McKenna of Altfest Personal Wealth Management. - [J. Scott Kittrell](https://find.wellspent.co/advisors/j-scott-kittrell/), Modera Wealth Management, LLC, New York. 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. Holds the RICP, CFP and EA. Fees on file: percentage of assets, hourly. - [Courtney McKenna](https://find.wellspent.co/advisors/courtney-mckenna/), Altfest Personal Wealth Management, New York. Holds the CFP and CPA. Fees on file: ongoing planning fee. - [Kenneth Robinson](https://find.wellspent.co/advisors/kenneth-robinson/), Sax Wealth Advisors, LLC, New York. Holds the CFP and CPA. Fees on file: percentage of assets, hourly. - [David Frisch](https://find.wellspent.co/advisors/david-frisch/), Frisch Financial Group, Inc., New York. Holds the CFP and CPA. Fees on file: percentage of assets, fixed fees. - [Nina Spezzaferro](https://find.wellspent.co/advisors/nina-spezzaferro/), Chemistry Wealth Management, LLC., New York. Holds the CFP. Fees on file: ongoing planning fee. ## How many fee-only financial advisors in New York City work on retirement planning? The Wellspent public graph lists 58 fee-only advisors for retirement planning in New York City, at 39 firms. We counted every advisor record that lists this work, as of October 2026. ## How do fee-only advisors for retirement planning in New York City charge? The most common fee among fee-only advisors for retirement planning in New York City is a percentage of assets, used by 78% of the 58 with fees on file. Many use more than one: 53% charge fixed fees and 36% charge by the hour. ## How much do fee-only financial advisors charge in New York City? Fee-only financial advisors in New York City charge a median of $4,800 a year for ongoing planning. We found this across the published prices of 12 New York City firms. ## How much does a one-time financial plan cost in New York City? A one-time financial plan from a fee-only firm in New York City has a median price of $3,600. We found this across the published prices of 9 New York City firms. ## What credentials should a financial advisor for retirement planning have? For retirement planning, look for the RICP, CFP and EA. In New York City, 52% of the 58 advisors listed hold the CFP. - RICP (3% of advisors listed): The RICP is built around retirement income specifically. - CFP (52% of advisors listed): The CFP covers income, tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with Roth conversions and withdrawal order. - CPA (9% of advisors listed): CPAs help with the tax side of withdrawals. ## How do New York City advisors for retirement planning compare with the rest of the US? 78% of fee-only advisors for retirement planning in New York City charge a percentage of assets, compared with 87% of the 7,304 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 about retirement planning in New York City? - How do you decide which accounts I draw from first? - When would you have me claim Social Security, and why? - How do you handle a bad market in my first years of retirement? - Will you run Roth conversion scenarios for me each year? - How does New York tax each source of my retirement income? ## How current is this list of fee-only advisors for retirement planning in New York City? 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 | |---|---|---|---|---| | [Andrew Altfest](https://find.wellspent.co/advisors/andrew-altfest.md) | Altfest Personal Wealth Management | New York, New York | CFP, MBA | Ongoing planning fee | | [Christopher Marrone](https://find.wellspent.co/advisors/christopher-marrone.md) | Marrone Wealth Management LLC | New York, New York | CFP | Ongoing planning fee, One-time planning fee, Percentage of assets | | [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 | | [Zachary Zwillinger](https://find.wellspent.co/advisors/zachary-zwillinger.md) | ZZ Planning LLC | New York, New York | CFP, JD | Flat fee or retainer, 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 | | [Allison Vanaski](https://find.wellspent.co/advisors/allison-vanaski.md) | Arcadia Wealth Management | New York, New York | CFP | Percentage of assets, Hourly | | [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 | | [Matthew McKee](https://find.wellspent.co/advisors/matthew-mckee.md) | Target Rock Wealth Management | New York, New York | CFA, CFP, MBA | 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 | | [Kenneth Robinson](https://find.wellspent.co/advisors/kenneth-robinson.md) | Sax Wealth Advisors, LLC | New York, New York | CFP, JD, CPA, CFA, MBA, CeFT, RLP, MS | Percentage of assets, Hourly, Fixed fees | | [Dann Ryan](https://find.wellspent.co/advisors/dann-ryan.md) | Sincerus Advisory | New York, New York | CFP | Percentage of assets, Fixed fees | | [David Flores Wilson](https://find.wellspent.co/advisors/david-flores-wilson.md) | Sincerus Advisory | New York, New York | CEPA, CFA, CFP | Percentage of assets, Fixed fees | | [Matthew Sexton](https://find.wellspent.co/advisors/matthew-sexton.md) | Clear Harbor Asset Management | New York, New York | CFP, CIMA, MSFP | Percentage of assets, Fixed fees, Performance-based fees | | [Jeremy Zuke](https://find.wellspent.co/advisors/jeremy-zuke.md) | Abundo Wealth | New York, New York | | Subscription | | [Peter Levine](https://find.wellspent.co/advisors/peter-levine.md) | Velara Wealth Management | New York, New York | CFP, ChFC | 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 | | [Bryan Koslow](https://find.wellspent.co/advisors/bryan-koslow.md) | Clarus Group | New York, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Mariette Campbell](https://find.wellspent.co/advisors/mariette-campbell.md) | Osprey Private Wealth | New York, New York | CFP | Percentage of assets | | [Mark Chemtob](https://find.wellspent.co/advisors/mark-chemtob.md) | Chemistry Wealth Management, LLC. | New York, New York | CFP | Ongoing planning fee | | [Nina Spezzaferro](https://find.wellspent.co/advisors/nina-spezzaferro.md) | Chemistry Wealth Management, LLC. | New York, New York | CFP | Ongoing planning fee | | [Dalya Inhaber](https://find.wellspent.co/advisors/dalya-inhaber.md) | Minerva Wealth Advisory | New York, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Erika Safran](https://find.wellspent.co/advisors/erika-safran.md) | Safran Wealth Advisors | New York, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Eugene Skorodinsky](https://find.wellspent.co/advisors/eugene-skorodinsky.md) | Minerva Wealth Advisory | New York, New York | CFP | Percentage of assets, Hourly, Fixed fees | | [Eustache Clerveaux](https://find.wellspent.co/advisors/eustache-clerveaux.md) | Fidare Wealth Solutions | 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 | | [Andrew Shoemaker](https://find.wellspent.co/advisors/andrew-shoemaker.md) | Hurley Capital | 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 | | [Charles Goldblum](https://find.wellspent.co/advisors/charles-goldblum.md) | Hurley Capital | New York, New York | CFP, CFA | Percentage of assets, Fixed fees | | [Clayton Gardner](https://find.wellspent.co/advisors/clayton-gardner.md) | Titan | New York, New York | | Percentage of assets, Subscription | | [John Roscoe](https://find.wellspent.co/advisors/john-roscoe.md) | Osprey Private Wealth | New York, New York | CFA | Percentage of assets | | [Kyle Dandurand](https://find.wellspent.co/advisors/kyle-dandurand.md) | Chemistry Wealth Management, LLC. | New York, New York | CFA | Ongoing planning fee | | [James Keenan](https://find.wellspent.co/advisors/james-keenan-872666.md) | Keenan Private Wealth Management | New York, New York | | Percentage of assets, Hourly | | [James Vitiello](https://find.wellspent.co/advisors/james-vitiello.md) | Fifth Avenue Wealth Advisors | New York, New York | | Percentage of assets | | [Sean Kearney](https://find.wellspent.co/advisors/sean-kearney.md) | Amvoy Wealth | New York, New York | | Percentage of assets, Fixed fees | | [Thomas Cefalu](https://find.wellspent.co/advisors/thomas-cefalu.md) | Downtown Wealth Studios | New York, New York | | Percentage of assets, Fixed fees | | [Adenikke Soremekun](https://find.wellspent.co/advisors/adenikke-soremekun.md) | Chemistry Wealth Management, LLC. | New York, New York | | Ongoing planning fee | | [Cheung Chan](https://find.wellspent.co/advisors/cheung-chan.md) | Chemistry Wealth Management, LLC. | New York, New York | | Ongoing planning fee | | [Garrett Edson](https://find.wellspent.co/advisors/garrett-edson.md) | Clarus Group | New York, New York | | Percentage of assets, Hourly, Fixed fees | | [Jason Wood](https://find.wellspent.co/advisors/jason-wood.md) | Rothschild Capital Partners | New York, New York | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [John Youngman](https://find.wellspent.co/advisors/john-youngman.md) | Osprey Private Wealth | New York, New York | | Percentage of assets | | [Keegan Sullivan](https://find.wellspent.co/advisors/keegan-sullivan.md) | Chemistry Wealth Management, LLC. | New York, New York | | Ongoing planning fee | | [Michael Raimondi](https://find.wellspent.co/advisors/michael-raimondi.md) | Clarus Group | New York, New York | | Percentage of assets, Hourly, Fixed fees | | [Peter Kunze](https://find.wellspent.co/advisors/peter-kunze.md) | Guardant Wealth Advisors | New York , New York | | Percentage of assets | | [Robert Ruggirello](https://find.wellspent.co/advisors/robert-ruggirello.md) | Brave Eagle Wealth Management | New York, New York | CFA | Percentage of assets, Hourly, Fixed fees | | [Samuel Eilbaum](https://find.wellspent.co/advisors/samuel-eilbaum.md) | Chemistry Wealth Management, LLC. | New York, New York | | Ongoing planning fee | | [James Zagelmeyer](https://find.wellspent.co/advisors/james-zagelmeyer.md) | Lionshead Wealth Management | New York, New York | | Percentage of assets, Fixed fees | Showing the first 50 of 58. The full list, page by page: https://find.wellspent.co/specialties/retirement-planning/new-york/new-york-city/?page=2 ## Related - [Estate planning in New York City](https://find.wellspent.co/specialties/estate-planning/new-york/new-york-city.md) - [Family wealth transfer in New York City](https://find.wellspent.co/specialties/family-wealth-transfer/new-york/new-york-city.md) - [Tax planning in New York City](https://find.wellspent.co/specialties/tax-planning/new-york/new-york-city.md) - [Founders in New York City](https://find.wellspent.co/specialties/founders-pre-exit/new-york/new-york-city.md) - [Ultra-high-net-worth families in New York City](https://find.wellspent.co/audiences/ultra-high-net-worth/new-york/new-york-city.md) - [Equity compensation in New York City](https://find.wellspent.co/specialties/equity-compensation/new-york/new-york-city.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).