Founded in 1997, we are a client-focused, fee-only financial planning practice, specializing in retirement planning. Serving mass affluent pre-retirees and recent retirees located in and around Smithtown, New York who are looking to maximize their income in retirement, our leadership team is driven by a belief that clarity in income planning, investment planning, and tax planning leads to confidence in your financial future. Securities and advisory services offered through Cetera Advisor Networks LLC, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. We are registered to sell Securities in the following state(s): NY, FL, NC, SC, CO, CA, TX, NM, TN We are licensed to sell Insurance in the following state(s): NY