Investment Management

Your investments should support your plan, not the other way around. Darlene Pedrosa, CFP®, EA, manages portfolios with your goals, time horizon, income needs, and taxes in view, especially as you approach or move through retirement.

How we approach investment management

• Goals first. We start from your financial plan: what the money is for and when you may need it.
• Risk assessment. We discuss your tolerance for market swings and your capacity to handle them.
• Diversification. Portfolios are built across asset classes to match your objectives and risk tolerance.
• Tax awareness. We consider which accounts hold which investments and how withdrawals may be taxed. See retirement tax planning.
• Withdrawal coordination. In retirement, we align the portfolio with your income plan. See retirement planning.
• Regular reviews. We review your portfolio and plan together and make adjustments as your circumstances change.

What to expect

You will know who manages your accounts, how often we will meet, and how you can reach us. Before you engage us, we explain in writing the services you will receive, how fees are charged, and any potential conflicts of interest. Learn more about our process and how fees are determined.

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.

Investing involves risk, including possible loss of principal. No strategy assures success or protects against loss. Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. This information is not intended as specific tax or legal advice.