Are you positioned for the financial future you desire? Are you prepared for life's events?Many families and businesses are not positioned for the financial future they desire. In fact, even those who are working with a financial adviser could be at risk. Individuals and families could be at risk for outliving their assets or having families making difficult decisions in the event of premature death. Business owners are at risk of not being able to maintain their lifestyle or transition their business due to a lack of coordination and incomplete planning.If you think you could be at risk, I invite you to have a conversation. Even if you are currently working with a Financial Adviser, I am confident I can offer insights that help you strengthen your financial position. Feel free to contact me directly at 585.242-5993 or email AMurray@FPUNY.comI work with families to help prepare for and achieve financial goals and milestones. This includes, but is not limited to:• Retirement planning• Estate planning and coordination of assets, and beneficiaries• Coordination of legal work with other advisers.• Wealth Transfer strategies• Special needs planning• Debt and cash flow management• College planning and saving• Goal-based planning for short, middle, and long-term goals.• Protection based planning for Life Insurance, Disability and Long Term Care.I work with Business owners and executives on planning for the future including:• Transitioning businesses to another generation or group.• Executive compensation and retention strategies.• Protecting against the loss of key employees.• Preparing for the things that can force business succession:o Deatho Disabilityo Retirement (Taking money out of the business instead of putting it back in.)o Alienation (Divorce, internal dispute)o Walkaway or Liquidation_____________________________________________________________________________________Please note that current regulatory policy does not allow me to receive endorsements of Skills & Expertise. While I appreciate any intention of kind words and sentiment, please do not post comments relating to your opinion of me, my services or the performance of your accounts.