Darlene Pedrosa, CFP®, EA

Financial Planning for Widows, Women in Transition, and Retirement in Rhinebeck, NY

I’m Darlene Pedrosa, a CERTIFIED FINANCIAL PLANNER™ professional, Enrolled Agent, and owner of Pedrosa Wealth Management & Rhinebeck Tax in Rhinebeck, New York. I help individuals and families coordinate financial planning, investment management, retirement planning, and tax strategy through some of life’s most important transitions.

My practice focuses on widows, women navigating divorce or other financial changes, people approaching retirement, and retirees. I also work with individuals who have inherited money and adult children helping a widowed parent organize financial decisions.

Based in Rhinebeck, I serve clients throughout the Hudson Valley, including Red Hook, Kingston, Saugerties, Poughkeepsie, Hyde Park, Millbrook, New Paltz, Warwick, etc., as well as nationwide. Virtual meetings are available for clients beyond the local area.

Financial Guidance Through Life’s Transitions

Losing a spouse, preparing to retire, or receiving an inheritance can bring financial questions alongside emotional uncertainty. You may be wondering what needs attention first, how to manage your investments, or whether you can comfortably spend the money you have worked hard to save.

My approach begins with listening. Together, we organize your financial picture, clarify your priorities, and build a personalized plan that helps you make informed decisions at a pace that feels manageable.

Depending on your needs, our work may include:

• Financial planning after the loss of a spouse: Organizing accounts, reviewing income and expenses, evaluating beneficiary designations, and coordinating with your tax and legal professionals.

• Retirement planning: Connecting your savings, investments, pensions, and Social Security decisions with your retirement goals.

• Retirement income planning: Developing a withdrawal strategy that considers spending needs, taxes, and the long-term role of your investments.

• Investment management: Aligning your portfolio with your goals, time horizon, risk tolerance, and changing circumstances.

• Tax-aware planning: Evaluating how investment and retirement decisions affect your broader tax picture, including potential Roth conversions and required minimum distributions.

• Inherited wealth planning: Helping you understand your options and organize decisions before making significant financial changes.

Connecting Financial Planning and Tax Strategy

My CFP® certification and Enrolled Agent credential bring complementary perspectives to financial planning. As an Enrolled Agent, I am federally authorized to represent taxpayers before the IRS.

This background helps me consider the tax implications of financial decisions alongside your retirement needs, investment goals, and family priorities. My goal is to help you understand how the pieces fit together so you can move forward with greater clarity.

Education and Professional Background

I have more than 20 years of experience in the financial industry. My education includes dual Bachelor of Science degrees in Finance and International Business from SUNY New Paltz and an Advanced Financial Planning Certificate from Bryant University.

I hold the CERTIFIED FINANCIAL PLANNER™ certification and Enrolled Agent credential, along with Series 6, 7, 63, and 66 registrations through LPL Financial and life and health insurance licenses.

Rooted in the Hudson Valley Community

Outside my professional work, I enjoy spending time with my husband, Antonio, and our children, strength training, reading, continuing my education, and participating in our local church and community.

My community involvement has included the Rhinebeck Rotary Club, the Rhinebeck Chamber of Commerce board, leadership with the Northern Dutchess BNI chapter, volunteer work with Ulster County BOCES, and Northern Dutchess Hospital’s “Light the Village Pink” breast cancer fundraising initiative.

Building lasting relationships matters to me in my community and in my practice. I value the opportunity to support individuals and families across generations.

Let’s Talk About Your Next Chapter

Whether you are approaching retirement, adjusting to life after losing a spouse, or deciding what to do with an inheritance, you do not have to organize every financial decision on your own.

Schedule an introductory conversation to discuss your priorities and learn how Pedrosa Wealth Management can help.

Rhinebeck office:
187 E. Market St., Suite 205
Rhinebeck, NY 12572

Office visits by appointment. Virtual meetings available.