Top general retirement planning financial advisors in Cortland, NY

The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.

Planning for retirement often starts when you want to ensure your income lasts through your later years without unexpected shortfalls. A common mistake is underestimating how taxes and healthcare costs can affect your savings over time.

  • Income sequencing. Ask how they plan withdrawals to minimize taxes and keep your money lasting longer.
  • Estate tax awareness. Confirm they understand New York's estate tax cliff, which can cause big tax bills just above exemption limits.
  • Healthcare cost planning. Check if they include Medicare premiums and long-term care expenses in your retirement budget.
  • Social Security timing. See how they help decide the best age to start benefits for your situation.

Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.

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Aidan C

Series 66

Cortland, NY

LPL Enterprise

Aidan Carpenter is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. His prior work includes roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of finance, he coaches basketball at Mater Dei Academy and serves as a music instructor at the YMCA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and institutional entities. The firm uses model-driven investment implementation and offers financial planning alongside access to third-party asset managers and insurance products through affiliated entities.

Tax-loss harvesting
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John B

CFP®, Series 63, Series 65

Cortland, NY

Ameriprise

John Baringer Jr. is a CFP® professional with 40 years of industry experience, currently serving at Ameriprise since 2005. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves on the Finance Committee of the YMCA in Cortland, NY. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Retirement income strategy Income planning Social Security optimization Retirement withdrawal strategies Approaching retirement
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Eric S

Series 63, Series 65

Cortland, NY

LPL Financial

Eric Schneider is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with LPL Financial since 2008. In addition to his advisory role, he is involved in ticketing fixed annuities and life insurance through his DBA, Schneider Financial LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, supporting advisors with research and operational tools while overseeing more than $819 billion in discretionary assets.

Wealth management Retirement income strategy College savings (529s, UTMA, etc.) Tax-loss harvesting Annuities Retired Founder/Business Owner Executive

Jason C

CFP®, Series 63, Series 66

Cortland, NY

Edward Jones

Jason Cicioni is a financial advisor at Edward Jones with 27 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. He has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Retirement income strategy General retirement planning Multi-generational wealth transfer General estate planning guidance Retired Founder/Business Owner Executive Intergenerational Families
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Bret H

Series 66

Cortland, NY

Cetera

Bret Hartman is a financial advisor with Cetera, holding a Series 66 designation and bringing 21 years of industry experience. He has previously worked at Berthel, Fisher & Company Financial Services, N B T Bank, and LPL Financial. Hartman is also the owner of Upskill Wealth Management and Upskill Tax Services, where he provides financial and tax services. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, with access to affiliated and unaffiliated third-party managers and multiple program options.

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Business exit / sale strategy Founder/Business Owner Executive
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Sarah C

CFP®, Series 63, Series 65

Boston, MA

Santander Securities LLC

Sarah Currier Barrella is a CFP® professional with 26 years of experience in financial advisory services. She currently works at Santander Securities LLC and Santander Bank, NA, having previously held positions at TD Bank and Citizens Securities, Inc. Barrella is based in Boston, MA. Santander Securities LLC serves a broad retail client base with approximately $3.14 billion in regulatory assets under management across 10,800 client relationships. The firm offers investment advisory services, portfolio management through wrap-fee programs, and financial planning, operating both as a registered investment adviser and a FINRA-registered broker-dealer.

ESG / Sustainable investing Tax-loss harvesting General retirement planning Income planning Founder/Business Owner
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Amanda S

Series 66

Ft. Wayne, IN

Raymond James & Associates

Amanda Scheele is a financial advisor with Raymond James & Associates in Ft. Wayne, Indiana, holding a Series 66 designation and 16 years of industry experience. Prior to joining Raymond James in 2024, she worked at Wells Fargo Clearing from 2016 to 2024 and is involved with Lucky Duck since 2025. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary consulting services, drawing on various portfolio management styles and affiliated research.

General retirement planning Retirement income strategy Business succession planning Founder/Business Owner Executive

Lori F

Series 66

East Lansing, MI

Edward Jones

Lori Fell is a Series 66 credentialed financial advisor with Edward Jones in East Lansing, MI, where she has worked since 2009, accumulating 17 years of industry experience. Outside of her advisory role, she is the owner of LAF Properties LLC, a business she maintains in East Lansing. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment solutions, including managed account strategies and affiliated mutual funds, and operates under a fiduciary standard.

Charitable giving & philanthropy Multi-generational wealth transfer General retirement planning Wealth management Retired Founder/Business Owner Executive
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Kenneth B

Series 63, Series 65

Portland, ME

Headinvest

Kenneth Blaschke is a financial advisor at HeadInvest in Portland, ME, holding Series 63 and Series 65 licenses with 16 years of industry experience. He has been with HeadInvest since 2009. HeadInvest serves a diverse range of clients, including individuals, trusts, endowments, and government entities, providing discretionary portfolio management and financial planning. The firm employs a holistic, asset-allocation driven approach, combining fixed-income selection with low-cost ETFs and emphasizing tax efficiency.

Wealth management General retirement planning Tax strategies for small businesses Founder/Business Owner Retired
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Michael I

Series 63, Series 65

Livingston, NJ

Raymond James Financial

Michael Ipp is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. He has been with Raymond James Financial Services Advisors since 2010 and serves as an independent contractor for 1792 Wealth Advisors. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and uses analytical tools to support client decision-making, while also maintaining specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Wealth management Tax strategies for small businesses Business succession planning General estate planning guidance Founder/Business Owner Executive
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