Welcome

The New York Capital Region's Leading Fee-Only Financial Planning, Investment Management & Tax Preparation Firm

You are not like everyone else. Neither are we. As a strictly fee-only firm, we don't earn commissions from financial product sales. In fact we don't sell any financial products at all. We provide clear and competent financial planning services, focusing on middle-class clients, along with investment management and tax preparation services. Although we're located in Upstate New York, we have clients all over the country and even overseas. Our client's accounts are held at TD Ameritrade, and we manage those investment portfolios using individual securities, mainly publicly traded stocks and bonds. For more than two decades, our mission has been serving our clients, while maintaining our fiduciary responsibility as a member of the National Association of Personal Financial Advisors (NAPFA); acting on their behalf, as we would for ourselves. Our team consists of competent industry professionals including a Certified Financial Planner and an Enrolled Agent. We ask you to enjoy the information located here, to visit often for updates, to share what you find valuable with friends, and to contact us as we would like to talk with you.

 

 

 

Recent News: TD Ameritrade and Charles Schwab are Merging  

     11/29/19

 

As you may have heard in the news, Charles Schwab and TD Ameritrade have reached an agreement for Schwab to acquire TD Ameritrade. The combined company will retain the Schwab name.

 

For now, the transaction is subject to customary closing conditions and is expected to close in the second half of 2020. During that time, there should be no impact to how you work with Capital Financial Services, LLC or

TD Ameritrade Institutional.

 

If you have any questions, please feel free to reach out. If you would like to learn more about the transaction, visit www.amtd.com for details.

 

                                              

 

- William C. Jerome, CFP®

 

The Ultimate Key to Financial Success!

 

Actually the Ultimate Key is quite well known and not much of a secret,

and yet many people conduct their lives as if they don't understand this truth. An excellent explanation appears here in this quote, from David Copperfield, by Charles Dickens.

 

"My other piece of advice, Copperfield," said Mr. Micawber, "you know. Annual income twenty pounds, annual expenditure nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery. The blossom is blighted, the leaf is withered, the God of day goes down upon the dreary scene, and — and in short you are forever floored. As I am!"

 

If you only understand, and follow, this one principle, you will succeed financially.

 

 

- William C. Jerome, CFP®