Financial Planning in Westchester County
A financial plan that ignores taxes is half a plan. Cerullo LLC builds retirement and long-term financial strategies for Westchester County families with the tax return open on the same desk — so the Roth conversion, the retirement-account withdrawal order, and the college-savings choice are all made with their real after-tax consequences in view. We've guided Elmsford-area families through every market since 1978.
Retirement planning
The question isn't just how much to save — it's where to save it and how to take it out. We project what your retirement actually costs, map which accounts to fund in which order, and plan the withdrawal sequence that keeps you in the lowest brackets once you stop working.
- Retirement income projections and gap analysis
- 401(k), IRA, Roth, and SEP strategy for employees and business owners
- Roth conversion timing and multi-year bracket management
- Social Security claiming strategy
Tax-coordinated investment analysis
We review portfolios through the lens the statements leave out: after-tax return. Asset location (what belongs in taxable versus retirement accounts), capital-gain timing, and loss harvesting often add more to what you keep than chasing an extra point of market return.
Risk assessment and protection
A plan has to survive the bad year, not just the average one. We stress-test for disability, a long-term-care event, an early death, or a market drop at the wrong moment, and identify where insurance or reserves need to fill a gap — we don't sell insurance, so the recommendation is only ever what the numbers say.
Wealth management through Lyceum Financial
For clients who want ongoing investment management, estate coordination, and Personal CFO services, we work alongside Lyceum Financial Group — our affiliated, fee-only wealth coordination firm serving high-net-worth families across the Tri-State area. Your accountant and your wealth manager work from the same numbers.
Talk to us about your situation
Start securely online — upload your documents and get a preliminary assessment — or call the office and talk to a person.
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