What We Offer
Comprehensive financial services for your evolving needs.
Whether you’re planning for retirement, managing investments, or navigating a career transition, we provide practical strategies to help you move forward with confidence. We’ve been serving families across upstate New York since 1991, and we’re here to help you figure out what makes sense for your situation.
Retirement Planning
Building a retirement strategy means addressing the questions that matter most: Will your savings last? When should you claim Social Security? How do you handle healthcare costs before Medicare kicks in?
Our team helps you transition from saving to spending with strategies designed to support the lifestyle you’ve worked toward. We look at income planning, withdrawal approaches, and ways to make your assets work throughout retirement.
Investment Management
Our investment approach centers on three straightforward principles: broad diversification across asset classes, cost management to help keep more money working for you, and tax-efficient strategies that can reduce unnecessary tax drag.
The portfolios we build are designed to manage risk while pursuing your long-term goals. We review markets and can adjust when needed, but we don’t make emotional decisions based on daily headlines.
Tax Planning Strategy & Efficiency
Taxes can take a significant bite out of your returns over time. Our focus is helping you develop strategies that coordinate account types, help optimize withdrawal sequencing, and identify opportunities to help reduce your lifetime tax burden.
The goal? Help you keep more of what you’ve earned.
Comprehensive Financial Planning
Your financial life doesn’t exist in separate boxes. Income, expenses, assets, insurance, estate plans—they all connect.
Our team analyzes your complete picture to identify opportunities and create coordinated strategies. You receive a comprehensive plan that addresses your specific situation and goals, not a one-size-fits-all template.
401(k) Account Options
Retiring or changing careers often means deciding what to do with your 401(k). The choices can be confusing, and the tax implications matter.
Our team helps you evaluate your options and understand what makes sense for your situation. We help guide you through the decision-making process so you can move forward with clarity.
Estate Planning Coordination
Good estate planning helps make sure your financial strategies support your legacy goals.
While we don’t draft legal documents, we work closely with your estate planning attorney to align beneficiary designations, account titling, and wealth transfer strategies with your overall plan.
Insurance & Risk Management Review
Life insurance, disability coverage, long-term care. Figuring out what you need (and what you don’t) can feel overwhelming.
Our team evaluates your current insurance coverage and helps identify potential gaps in your protection strategy. We help you understand your options and make informed decisions about risk management.
Specialized Guidance for Professional Athletes
Professional athletes face unique financial challenges: contract structures, short career windows, and the need to build long-term wealth quickly.
Our team provides specialized guidance for NFL players and professional athletes, addressing everything from concentrated compensation to career transition planning and wealth preservation strategies.
Neither Curley Wealth Management nor &Partners renders legal or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences.
Our Investment Approach
Three principles for every
portfolio decision.
Our investment philosophy isn’t complicated. It’s built on principles backed by years of research and real-world application. We focus on what we can control: diversification, costs, and tax efficiency.
Diversification
We build portfolios across multiple asset classes, geographic regions, and investment styles. Broad diversification helps manage risk by ensuring your returns aren’t dependent on any single investment or market sector performing well.
Cost Effective
Investment costs can directly impact your returns. Every dollar paid in fees is a dollar that can’t compound for you. Our approach emphasizes cost-efficient investment solutions that help keep more money working toward your goals over the long term.
Tax-Efficient Strategies
Taxes can erode investment returns significantly over time. That’s why we focus on tax-efficient account positioning, strategic asset location, and withdrawal strategies designed to help you keep more of what you earn.
How We Work Together
A straightforward approach to financial planning.
We believe financial planning works best when it follows a clear path. Here’s what you can expect when you work with our team.
1. Discovery & Analysis
Getting to know you comes first. Your goals, concerns, current situation, and what keeps you up at night.
2. Analysis & Planning
Once we understand your situation, we analyze your complete financial picture. This includes identifying opportunities and potential challenges, then developing customized strategies aligned with your specific goals.
3. Recommendation & Discussion
Our recommendations come in plain language. We explain the reasoning behind each suggestion and answer all your questions. You deserve to understand exactly what we’re proposing and why.
4. Implementation
When you’re comfortable moving forward, we handle the details like account transfers, investment selection, and paperwork coordination. You shouldn’t have to chase down every step.
5. Ongoing Review & Adjustment
Your life changes, and your plan should adapt accordingly. Our team can check in to review progress and adjust strategies as needed.
