You're at a stage where the decisions are bigger, the tradeoffs are harder, and the stakes keep getting higher — and in New York, that means managing everything from RSU vests to co-op boards. We're here to help you navigate it all.
Even with a salary that matches New York’s high cost of living, competing financial goals and day-to-day expenses can make real progress hard to see. A good financial plan can help turn income into lasting wealth, and makes that progress more visible along the way.
If any of these sound familiar, we’d love to talk them through with you on an intro call:
Your income has grown, but you still feel financially stretched
A meaningful share of your compensation is through equity or bonuses
You max your 401(k) but don't know what's next
You're thinking about a home, children, or retiring early, and the math feels scary
Working with a fiduciary is important to you
You're done DIY-ing spreadsheets at 11pm
RSUs trigger income taxes at every vest. For New Yorkers, who face some of the steepest combined tax rates in the country, it can be extra challenging to plan ahead. We model your vesting calendar against your cash flow to help you plan for April and flag concentration risk before it builds up.
Rent, childcare, and the all-around rising cost of living in NYC can make it feel like you’re not saving enough. We build a plan that helps distinguish lifestyle inflation from financial progress and shows you the balance between saving and spending to make the city stop feeling like a treadmill.
NYC residents face one of the highest combined marginal tax rates in the country. Backdoor Roth, mega backdoor, HSA, 529, donor-advised fund and deferred compensation decisions may be worth considering, depending on your needs.
Buying in NYC is a different math problem: board packages, flip taxes, maintenance, mansion tax, and the rent-vs-buy break-even that can be longer than you might expect. We run the numbers so you know what's possible.
Your equity may be your biggest upside. It could also be your biggest blind spot. We help you evaluate when to exercise, sell, diversify, and (sometimes) hold with intent.
If private school is on the table, it can impact everything: retirement savings, housing, the shape of your career. We plan for it honestly, including when the math says public or suburbs might be the better choice.
As registered financial advisors, we are fiduciaries. That means we’re legally required to act in our clients’ best interest. No commissions. No product pushes. Just one dedicated advisor who knows your situation and works as your partner in financial decisions.
30-minute intro call. We ask about your life and your comp. You ask us questions. No obligation.
Tax, cash flow, equity comp, real estate, retirement, risk. One living document, reviewed quarterly and updated as needed.
You have direct access to your advisor. Loop us in before the big decision, not after.
The typical advisory fee for portfolios under $1,000,000 is 1.00%.¹
Our maximum advisory fee is 0.9% for portfolios $100,000+.
No stacked charges, no hidden costs, no fine print.
| Portfolio Size | Industry Typical 1 | Our Fee | Savings |
|---|---|---|---|
| $100K - $499K | 1.00% | 0.90% | 10% less |
| $500K - $999K | 1.00% | 0.80% | 20% less |
| $1M - $2.4M | 0.90% | 0.70% | 22% less |
| $2.5M - $4.9M | 0.90% | 0.60% | 33% less |
| $5M - $9.9M | 0.75% | 0.50% | 33% less |
| $10M+ | 0.60% | 0.40% | 33% less |
Clients with less than $100,000 in investable assets are generally subject to a minimum annual advisory fee of $900, billed at the end of each quarter.
¹ Industry typical data sourced from Kitces Research, How Financial Planners Actually Do Financial Planning (Vol. 2, 2024), Page 107