Financial Advisor Serving New York, NY

Fee-only guidance for high-income professionals, executives, & families

You deserve a financial advisor who brings clarity, structure, and long-term strategy to your financial life—without the conflicts or product-pushing that often come with Wall Street. Our team provides New York clients with disciplined planning and investment management designed to support complex goals in one of the most dynamic financial environments in the world.

Personalized Wealth Management for New York Households

High-level advice delivered virtually with exceptional attention

Sterneck Capital Management serves clients across New York City and the broader New York region, bringing decades of fiduciary expertise to professionals navigating fast-paced careers and multifaceted financial lives. Many of our New York clients face unique challenges—from high tax burdens to concentrated equity compensation to estate planning needs shaped by the city’s cost of living and real estate market. Our planning process integrates every piece of your financial picture to help you make strategic, informed decisions with confidence. While we are headquartered outside of New York, our virtual planning environment is intentionally designed to feel personal, proactive, and seamless. You receive the same level of care as working with a boutique Manhattan firm—without the conflicts or pressure that often come with traditional financial institutions.

Comprehensive Financial Planning & Investment Strategy

Tailored support for New York’s diverse and demanding financial landscape

New York investors often face complex portfolios, accelerated earning years, and evolving financial responsibilities. We bring order and intention to that complexity through a structured planning framework and disciplined investment approach. Whether you’re managing equity compensation, preparing for retirement, or coordinating multi-state finances, we build a strategy designed for long-term stability and growth. Our services frequently include:


  • Investment Management: Evidence-based portfolio construction with a focus on tax efficiency and risk-aware allocation.


  • Tax-Aware Planning: Strategies aimed at reducing the impact of New York’s state and local taxes on your long-term wealth.


  • Equity Compensation Guidance: Support for RSUs, stock options, deferred comp, bonuses, and multi-year compensation structures common in New York careers.


  • Retirement Planning: Customized income, tax, and withdrawal strategies for high-cost-of-living retirement scenarios.


Why New York Clients Choose an Independent Fiduciary

A refreshingly conflict-free alternative to the traditional Wall Street model

Many investors in New York appreciate the access and sophistication of large financial institutions—yet want a relationship free from commissions, product requirements, or sales incentives. As a fee-only fiduciary, our only obligation is to act in your best interest. You receive guidance rooted in long-term planning principles, not proprietary funds or revenue targets. We take time to understand your work life, income structure, tax environment, and family dynamics, all of which heavily influence financial decisions in New York. Our approach is built around transparency, clear communication, and disciplined management—qualities that help you stay grounded no matter how fast your financial life evolves. This gives New Yorkers a sense of stability in a financial world that’s constantly shifting.

Who We Serve Across New York

Executives, high-earning professionals, and families with complex financial needs

Our New York clients include individuals and families with multi-layered financial lives—from executives in finance and tech to physicians, attorneys, entrepreneurs, and long-time residents preparing for retirement. Many have multiple income streams, significant equity compensation, or large taxable portfolios requiring thoughtful oversight. We help simplify the pieces so you can make strategic decisions with clarity. Virtual meetings allow us to connect seamlessly, regardless of borough or schedule constraints. Whether you’re in Manhattan, Brooklyn, Queens, the Bronx, Staten Island, or neighboring areas like Westchester or Long Island, you get a planning partner equipped to manage the complexities that come with higher income and higher stakes.

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Frequently Asked Questions

Serving New York clients virtually with personalized support

  • Why work with a financial advisor based outside New York?

    Many New Yorkers find value in partnering with a fiduciary who offers both high-level expertise and unbiased advice without the pressure or conflicts common in large Manhattan firms. Our Midwestern roots bring a grounded, practical approach that pairs well with the complexity of NYC financial lives. Because we work virtually, you get seamless scheduling and on-demand communication without long commutes or office formalities. The outcome is a highly personalized relationship focused entirely on your goals.

  • Can you help with New York’s high tax environment?

    Absolutely. New York’s layered tax structure—federal, state, and in some cases city tax—makes tax-efficient investing and planning especially important. We incorporate strategies that reduce unnecessary tax drag, including tax-efficient asset placement, municipal bond considerations, and careful timing of income or equity exercises. Our approach ensures your after-tax decisions support long-term growth rather than short-term surprises. You receive a strategy built specifically for New York realities.

  • Do you meet New York clients in person?

    While most of our New York relationships are maintained virtually for convenience, we can arrange in-person meetings as needed, including periodic visits or when clients are traveling near our headquarters. Many clients appreciate the flexibility of remote planning because it fits their demanding work schedules and eliminates logistical hurdles. Even without in-person meetings, our communication style remains personal, responsive, and deeply relationship-focused. You’ll always know how to reach us and what to expect.

  • Can you manage assets currently held at large New York institutions?

    Yes. We regularly help clients transition accounts from major Wall Street firms like Morgan Stanley, UBS, Merrill, and others. The transfer process is straightforward, handled electronically through secure custodian channels. Once assets are moved, we manage them through our disciplined investment process while keeping your tax situation, risk profile, and long-term goals in mind. We make the transition simple so you can focus on the bigger picture.

  • Do you work with high-net-worth New Yorkers or only certain income levels?

    We serve a wide range of clients but are especially well-suited for individuals with complex financial needs—often professionals, executives, or households with significant portfolios. Many New York clients come to us with equity compensation, multi-state tax questions, or long-term planning needs that exceed what a basic advisor can provide. If your financial life has depth, complexity, or accelerating growth, our structured, long-term partnership model tends to be an excellent fit. And if we find we’re not the right match, we’re always happy to guide you toward next steps.