Design Your Ideal Future — Then Let Us Build a Plan to Get You There
Planning for retirement is not just about putting money away—it is about building a life you can enjoy with confidence, independence, and purpose. Whether you dream of traveling the world, spending more time with family, or simply enjoying your day-to-day without financial stress, a well-thought-out retirement plan is your foundation.
Many people wait too long to start seriously thinking about retirement. Life gets busy, priorities shift, and suddenly the idea of retiring feels like a moving target. But the truth is: the earlier you plan, the more options you will have. And even if you are getting a late start, the right strategy can still make a major impact.
The key is having a partner who listens, understands your goals, and knows how to turn your vision into a step-by-step plan. That is where EBNY Financial comes in.
At EBNY Financial, we don’t believe in cookie-cutter solutions. Retirement looks different for everyone—so we start by getting to know you. Your career, your family, your vision of retirement, and your current financial situation all play a role in how we build your plan.
Here’s what you can expect when working with our team:
We begin with a full financial review to understand your income, assets, expenses, debts, and existing retirement accounts. Then, we align that data with your long-term goals—whether that’s retiring early, maintaining your current lifestyle, or leaving a legacy for your family.
Our team helps you maximize contributions to tax-advantaged accounts like IRAs, Roth IRAs, 401(k)s, and SEP IRAs, depending on your employment structure. We also help you understand how these accounts work together and what role taxable investment accounts may play in your retirement picture.
Markets shift, and so does your portfolio. We monitor performance regularly and rebalance as needed to stay aligned with your strategy—never chasing fads or knee-jerk reacting to headlines.
Our team prioritizes smart tax strategies, like asset location (choosing the right accounts for certain investments), tax-loss harvesting, and capital gains management. The goal is to grow your wealth while keeping more of it in your pocket.
We use both qualitative conversations and quantitative tools to understand your risk tolerance. Whether you’re conservative, aggressive, or somewhere in between, we build a plan you’ll feel confident sticking with through all market conditions.
We believe in empowering clients with knowledge. We’ll walk you through your portfolio, explain our recommendations clearly, and make sure you understand how your money is working for you.
You have worked hard for your money. Let us help you make it work hard for you in return—so when the time comes to retire, you will be ready to do it on your terms.
Schedule a free consultation today and take the first step toward your ideal retirement.
We always act in your best interest, without quotas or sales pressure.
You are not just a number here. We take time to understand your full picture.
Our financial planning is led by certified professionals with years of experience in retirement strategy.
Our retirement planning integrates seamlessly with our wealth management and insurance solutions.
Based in the Tri-State area, we proudly serve clients across New York, New Jersey, and Pennsylvania.
