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Financial Planning in Rhinebeck, NY

You may already have an advisor, an attorney, an insurance agent, and a tax preparer. Financial planning brings those pieces together into one coordinated plan. Darlene Pedrosa, CFP®, EA, works directly with you from the first conversation through ongoing reviews.

What a financial plan covers

  • Goals, cash flow, and savings
  • Retirement income and Social Security timing
  • Tax planning across multiple years
  • Investments and how they support your goals
  • Insurance, including life, disability, and long-term care
  • Beneficiary designations and estate coordination with your attorney

How the process works

  1. Introductory call (15 minutes, no cost). We talk about what prompted you to reach out and whether we are a good fit.
  2. Discovery. We gather statements, benefit estimates, insurance policies, and estate documents, and talk through your priorities.
  3. Analysis. We review what you have in place, identify gaps, and test different scenarios.
  4. Plan delivery. We walk through your plan together, including recommendations and the tradeoffs of each option.
  5. Implementation. We help put the plan in motion and coordinate with your other professionals.
  6. Ongoing review. We revisit the plan as your life, the markets, and tax laws change.

Financial planning and investment management

Financial planning looks at your whole financial picture. Investment management is the ongoing management of your portfolio within that plan. Some clients use both; others start with planning.

How fees are determined

Fees depend on the services you choose and the complexity of your situation. Before you engage us, we explain in writing what services you will receive, how you will be charged, and any potential conflicts of interest. You can review our Form CRS (Client Relationship Summary) and related disclosures before making any decision.

Services for specific situations

Next step

Start with a 15-minute introductory call at no cost. We’ll talk about what’s on your mind and whether working together makes sense.

Schedule a 15-minute introductory call

Prefer to call? 845-681-1130. Meetings are held at our Rhinebeck office or virtually.

This information is general in nature and is not intended as specific tax, legal, or investment advice. Investing involves risk, including possible loss of principal. No strategy assures success or protects against loss.