I'm a retirement focused advisor with over 12 years of experience. I specialize in tax-efficient retirement planning and investment management for those that are retired or within a few years of retiring, all for a flat annual fee. I launched Free Time Financial in March 2025 after spending 10 years working for a Registered Investment Advisor firm who provided tax-efficient retirement planning, but charged for the service based on how large your investment accounts were. That model never made sense to me, and I finally left to build a firm on my own terms, where I could take wonderful care of a smaller number of families and charge them based on the complexity of the service and not on how wealthy they are.

Willard Saperston is a financial advisor at Saperston Legacy Advisors, Inc. with 48 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with several related firms, including his own family-named entities dating back to 1981. Saperston Legacy Advisors provides investment supervisory services and individual portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis alongside fundamental review, offering discretionary and non-discretionary management through proprietary asset-allocation programs and consulting services.

Aidan Cloherty is a Series 65-licensed financial advisor at Farrell Financial with one year of experience. His work history includes roles in education and hospitality sectors, such as positions at the University of Vermont and Buffalo Boat Tours. Farrell Financial provides fee-based investment advisory and comprehensive financial planning services to individuals, trusts, estates, charitable organizations, and businesses. The firm employs a tactical allocation strategy grounded in fundamental analysis and manages portfolios on a discretionary basis for both high-net-worth and non-high-net-worth clients.

David Braunstein is a financial advisor at Saperston Legacy Advisors, Inc. with 49 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including Brighton Securities and Saperston Asset Management, prior to his current role. Saperston Legacy Advisors provides investment supervisory services and individual portfolio management to retail and high-net-worth clients, as well as pension plans, charitable organizations, and corporate clients. The firm employs a technical and momentum-based investment process alongside fundamental analysis and offers both discretionary and non-discretionary management through proprietary asset-allocation programs.

Neil Farrell is a financial advisor at Farrell Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Arbor Point Advisors and Securities America Inc. from 2014 to 2022. Farrell Financial offers fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy based on fundamental analysis, managing portfolios on a discretionary basis and serving both non-high-net-worth and high-net-worth clients.

Chelsea Makowski is a CFP®-credentialed financial advisor with SENIOR Financial and Realty Assoc. in Orchard Park, NY, bringing four years of industry experience. She has been with SENIOR Financial and Realty Assoc. since 2017 and previously worked at Bryant & Stratton College and Gap Inc. SENIOR Financial and Tax Associates is a fee-only advisory firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm emphasizes strategic asset allocation using primarily no-load and low-load mutual funds and ETFs, managing accounts mostly on a discretionary basis with regular reviews.

Kristina Saperston is a financial advisor at Saperston Legacy Advisors, Inc. in Hamburg, NY, holding Series 63 and Series 65 licenses with 17 years of industry experience. Her work history includes roles at Brighton Securities Corp and multiple related businesses under the Saperston name. She is involved in several affiliated companies offering private client services and real estate brokerage. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm emphasizes technical and momentum-based analysis alongside fundamental review, using proprietary asset-allocation programs and various research sources.

James Taylor III is a financial advisor at Saperston Legacy Advisors, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Brighton Securities Corp, First Allied Securities Inc., and Summit Wealth Management Inc. Saperston Legacy Advisors provides investment supervisory services and portfolio management to retail and high-net-worth individuals, pension plans, charitable organizations, and corporate clients. The firm uses proprietary asset-allocation programs and emphasizes technical and momentum-based analysis alongside fundamental review in its investment approach.

Neil Farrell is a financial advisor at Farrell Financial with a Series 65 designation and four years of industry experience. Prior to joining Farrell Financial, he worked at The University of Tennessee at Chattanooga and served in the United States Air Force Academy. Farrell Financial provides fee-based investment advisory services and comprehensive financial planning to individuals, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation strategy based on fundamental analysis and manages client portfolios on a discretionary basis, serving both non-high-net-worth and high-net-worth clients.

Keith Maderer is a financial advisor at SENIOR Financial and Realty Assoc. with four years of industry experience. He holds a Series 63 designation and has been with SENIOR Financial and Realty Assoc. since 1990. SENIOR Financial and Tax Associates is a fee-only advisory firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm focuses on personalized financial planning and discretionary investment management, using a strategic asset allocation approach with primarily no-load and low-load mutual funds and ETFs.

Angela Hall is a CFP® with 17 years of industry experience. She is currently with Note Advisors, LLC and has held prior roles at GCW Capital, Sterling Investment Counsel, LPL Financial, Jensen Marks Langer and Vance, Sii Investments, and Morgan Stanley. Outside of her advisory work, she is an Independent Insurance Agent specializing in various life and health insurance products. Note Advisors serves individuals, families, trusts, charitable organizations, pensions, and corporations, with a focus on high-net-worth households. The firm emphasizes a financial planning-driven approach and offers in-house tax preparation, wealth coaching, estate-planning assistance, and discretionary asset management.

Matthew Hayes is a CFP® with seven years of experience in the financial services industry. He has worked at Moldenhauer & Associates for four years and has held positions at Merit Financial Advisors, Purshe Kaplan Sterling Investments, Commonwealth Financial Network, Equitable Advisors, TRG Capital Management, and in roles at the University of Rochester, Key Bank, Walt Disney, and SUNY-Fredonia. In addition to his advisory work, he is involved in fixed insurance sales. Moldenhauer & Associates provides financial planning and asset management to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management, model and third-party manager programs, and fee-for-service consulting, implementing client portfolios primarily through a relationship with Commonwealth Financial Network.

John Ring III is a financial advisor at Moldenhauer & Associates with 10 years of industry experience. He holds the Series 63 and Series 66 designations and has a background that includes over three decades as a practicing attorney, owning his own law firm and serving as a Chapter 7 Bankruptcy Trustee. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses, utilizing discretionary portfolio management and access to third-party asset managers. The firm is notable for sponsoring and providing oversight of wrap fee programs offered through their platform relationships.

Brian Norman is a financial advisor with Moldenhauer & Associates holding a Series 66 designation and one year of industry experience. His prior roles include positions at Merit Financial Advisors, Purshe Kaplan Sterling Investments, and Commonwealth Financial Network. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management, model and third-party manager programs, and fee-for-service consulting, with a focus on wrap fee programs and supervisory oversight of third-party asset managers.

Patrick O'Connell is a financial advisor at Moldenhauer & Associates with 10 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work includes roles at Commonwealth Financial Network, Purshe Kaplan Sterling Investments, and Merit Financial Advisors. Moldenhauer & Associates provides financial planning and asset management to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management, model and third-party manager programs, and fee-for-service consulting, primarily implementing client portfolios through a platform relationship with Commonwealth.

Jeremy Walter is a financial advisor with Moldenhauer & Associates, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Commonwealth Financial Network and Purshe Kaplan Sterling Investments. Outside of finance, he operates a vintage clothing business online and works occasionally as a delivery driver. Moldenhauer & Associates provides financial planning and asset management services to individual investors, retirement plans, charitable organizations, and businesses. The firm utilizes Commonwealth’s platform for discretionary portfolio management, model programs, and third-party manager selection, with a focus on supervisory oversight of wrap fee programs.

Christine Papelian is a CFP® professional with 13 years of experience in the financial services industry. She currently works at Illumination Wealth Management and has held prior roles at Sterling Investment Counsel, LPL Financial, REDW Wealth, Smarter Financial Solutions, and Charles Schwab. Illumination Wealth Management serves individuals, trusts, corporations, and retirement plans, offering comprehensive Financial Life Management that includes financial planning, investment management, pension consulting, and employee education. The firm employs client-specific investment policy statements and strategic asset allocation models with regular portfolio monitoring, emphasizing long-term allocation strategies.

Jennifer Badzinski is a financial advisor at Moldenhauer & Associates with 11 years of industry experience. She holds a Series 66 designation and has worked at firms including Commonwealth Financial Network, LPL Financial, and Purshe Kaplan Sterling Investments. Moldenhauer & Associates provides financial planning and asset management to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management through a platform relationship with Commonwealth, utilizing both advisor-managed and model-based wrap programs, as well as third-party asset managers.

Jonathan Dombrowski is a financial advisor with Moldenhauer & Associates in Orchard Park, NY, holding a Series 63 designation and 12 years of industry experience. His career includes roles at Commonwealth Financial Network and Merit Financial Advisors. He is also involved in fixed insurance sales conducted under Buffalo Business & Estate Services, Ltd. Moldenhauer & Associates provides financial planning and asset management to individual investors, retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management and access to third-party asset managers through wrap programs and maintains supervisory oversight of these managers.

Richard Moldenhauer is a financial advisor at Moldenhauer & Associates with over 53 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Moldenhauer has worked at Moldenhauer & Associates since 1973 and has prior experience with Commonwealth Financial Network and Merit Financial Advisors. Moldenhauer & Associates provides financial planning and asset management services to individual investors—including high-net-worth clients—retirement plans, charitable organizations, and businesses. The firm offers discretionary portfolio management, model and third-party manager programs, and fee-for-service consulting, implementing client portfolios primarily through a platform relationship with Commonwealth.