Raymond Kidalowski, CPA, RIA

He is a graduate of Pace University, with a BBA in Accounting & Finance and also has his BA in Liberal Arts from SUNY - Plattsburgh.

Ray is a Certified Public Accountant offering tax saving ideas that reduce the amount you pay to the IRS over your lifetime and the lifetime of your heirs. He also hold his Series 7 & Series 65 FINRA Registrations and is a Registered Investment Adviser in the state of New York {RIA}. He has his Insurance license in life, accidental and variable insurance products.
Before becoming an independent provider of financial services, Ray served as Controller of a subsidiary of a Fortune 500 company and practiced Public Accounting .
 

What We Do:
Protection: Making sure that your plan can stand the unexpected.
• Review & Analyze your financial position.
• Identify and analyze your financial position.
• Review, explain, and update your work and personal insurances so risks are covered.
• Assist you in implementing your financial plan.

Retirement Income Planning: Strategizing to make sure you'll have enough.
• Develop, refine, implement, and monitor your retirement income plan.
• Provide guidance to assist you so your retirement income and assets may last a lifetime.
• Determine how much to withdraw and the order of accounts to withdraw from.
• Assist you in selecting investment options with your 401 (k), 403 (b), or other retirement plan.

Taxes: Maximizing what you earn by minimizing what you owe.
• Recommend tax strategies to minimize your taxes.
• Consult and coordinate your financial plan with your CPA/tax preparer.
• Track cost basis for easier preparation.

Investments: Focusing on the growth and management of your portfolio.
• Establish how and how much to save.
• Monitor investment performance compared to investments in the same class.
• Actively assist you in managing and rebalancing, manage and rebalance your portfolio to help reduce risk.
• Prepare an Investment Policy Statement (IPS) to signify your goals and expectations.

Estate Planning: Seeing that your plan will carry out your wishes.
• Review and analyze your assets for proper ownership and beneficiaries.
• Provide guidance to see that you get your financial affairs in order.
• Consult and coordinate your plan with your attorney and CPA.
• Help to manage the financial impact of lifestyle changes (death, divorce, disability, health).

We provide conscientious wealth management that may help you live more confidently, enjoy more of life, and further your legacy.