Capital Financial Advisors of New York, LLC
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About
Capital Financial Advisors of New York provides investment supervisory services and comprehensive financial planning to individuals, pension and profit-sharing plans, trusts, estates, and business entities. Services include investment management, retirement and estate planning, cash-flow and tax planning, and guidance on implementing recommendations.
The firm employs a strategic asset-allocation approach with global diversification and implements portfolios primarily using no-load mutual funds, exchange-traded funds and individual fixed‑income securities held at a qualified custodian. It generally manages client assets on a discretionary basis under limited trading authority, documents objectives and client‑imposed restrictions in investment policy statements, and conducts periodic portfolio reviews.
Distinctive aspects include a small advisory team managing roughly $260 million in discretionary assets, resulting in a comparatively high level of assets per advisor for a firm of this size, and a fee-only, fiduciary practice with advisors holding CFP, CFA and NAPFA credentials. The firm also emphasizes operational controls such as a formal information-security program (KnowB4), provides investment‑related tax summaries and referrals to outside professionals, and does not accept commissions or maintain product‑selling affiliations.
Client services
Expertise
Fee options
Retainer Agreements with fixed annual fees, amount negotiable based on assets and complexity
$0 - $1,000,000: 1.00% $1,000,001 - $2,000,000: 0.75% $2,000,001 - $6,000,000: 0.50% $6,000,001 - $10,000,000: 0.40% Over $10,000,000+: 0.40% on all assets (non-graduated)
$240 per hour for financial planning and limited scope engagements
Account minimum: $500,000 Fee-only: Financial planning services charged at $240 per hour; additional implementation work also $240 per hour; Retainer Agreements with negotiable fixed annual fees
Main office
10 Maxwell Drive, Suite 104 B
Clifton Park NY 12065
Advisors at this office
2
Most active in
California · Florida · New York
Also doing business as
Capital Financial Advisors LLC · Capital Financial Advisors Of New York, LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Kerry M
CFP®
Clifton Park, NY
Capital Financial Advisors of New York, LLC
Kerry Mayo is a CFP® professional with 19 years of experience at Capital Financial Advisors of New York, LLC, where he has been the sole advisor since 2007. He is based in Clifton Park, NY, and specializes in financial planning and investment management. Capital Financial Advisors of New York, LLC provides fee-only financial planning and discretionary investment management to individuals, trusts, estates, pension and profit-sharing plans, and business owners. The firm manages approximately $232 million in mostly discretionary assets, implementing portfolios through strategic asset allocation and global diversification using no-load mutual funds, ETFs, and individual fixed-income securities.
Sciandra J
CFP®
Clifton Park, NY
Capital Financial Advisors of New York, LLC
Julianne Sciandra is a CFP® professional with 15 years at Capital Financial Advisors of New York, LLC and four years of industry experience. She operates as the sole advisor at her firm, which is based in Clifton Park, NY. Capital Financial Advisors of New York, LLC offers fee-only financial planning and discretionary investment management to individuals, trusts, estates, pension and profit-sharing plans, and business owners. The firm manages approximately $232 million in mostly discretionary assets using strategic asset allocation with global diversification, primarily through no-load mutual funds, ETFs, and individual fixed-income securities.
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