FIDUCIARY FINANCIAL ADVISOR FOR NYC RESIDENTS
Financial advisor in New York City.
Wealth management and financial planning for individuals and couples who want to make smart decisions about retirement, taxes, and investments.
Proud to partner with women in successful companies like yours
Keep more of what you earn with smarter tax strategies.
Between New York City tax, New York State tax, and the federal bill, high earners in the city can face a combined marginal tax rate of 45 percent or more, before anyone plans a bonus, an RSU vest, or a move across the Hudson. It’s frustrating, until you have a proactive plan.
The retirement side is its own puzzle. A $20,000 pension and IRA exclusion that has not changed since 1981, a state estate tax that starts at $7.35 million in 2026 and disappears entirely once an estate is 5 percent over the line, and residency rules the state audits closely, which can apply if you keep a home in New York and spend more than 183 days there. We plan year-round across all of it, and across New York and New Jersey, including bonus timing, equity vests, conversion years, and where you live versus where you earn. Our guides to estimated tax payments on RSUs and retiring in a high-tax state show how we think.
Build financial security that withstands life's uncertainties.
You’ve worked hard to build what you have. Now you want to know you’re making good decisions with it. We bring your investments, retirement, taxes, and estate planning together so you can see the whole picture.
Who we work with in New York City
Women managing wealth
Independent women, executives, and business owners making important decisions about investments, retirement, and taxes.
Couples planning their next chapter
Couples approaching retirement who want to know when they can stop working, how much they can spend, and how to manage taxes along the way.
Professionals with equity compensation
People whose pay arrives partly as company stock, who want their vests, taxes, and retirement timing planned as one.
...then we should talk.
Independent. Fiduciary. A partner who gets the weight you carry.
I’ve spent over a decade in financial planning, and I know the weight that comes with being the one everyone counts on.
I work with executives, professionals, and business owners who have worked hard, saved well, and want one person looking at the whole picture.
I started Align to be that person, so investments, taxes, retirement, and company stock get decided together instead of one at a time.
You deserve a partner who sees the full picture and helps you walk a path that’s uniquely yours.
TESTIMONIAL
Disclosure
The testimonial(s) presented were provided by actual clients of Align Financial Solutions, LLC. No compensation was provided for these testimonials. Testimonials were selected from among all client feedback received. Client experiences may vary, and there is no guarantee of future performance or success. To our knowledge, no conflicts of interest exist regarding these testimonials.
Getting started is simple.
BOOK YOUR 15-MINUTE ALIGN CALL
A 15-minute conversation to see whether we fit. We specialize in what we do, so we may not be right for everyone.
Whether we work together or not, you’ll walk away with clarity on your best next step.
BUILD YOUR WEALTH BLUEPRINT™
Together, we build your Wealth Blueprint™: your full financial picture organized into a written plan, implemented with you across the year.
FEEL IN CONTROL OF YOUR FINANCIAL FUTURE
Now you've got a go-to partner who's ready to answer your money questions and help you stay on track.
You know your next steps and have support along the way.
Working With a Wealth Manager in New York: FAQ
Do you work with New York clients virtually?
We work virtually with clients in New York City, Westchester, Long Island, and across the country. Our office is in Hoboken, one PATH stop from Manhattan.
Can you help with New York City and State taxes?
Yes. City tax, state tax, and equity compensation add up fast for New York high earners. We plan for them year-round, including bonus timing, RSU vests, and New York and New Jersey cross-border questions.
Does New York tax retirement income?
Social Security and New York State, local, and federal government pensions are exempt. Everything else, including IRA and 401(k) withdrawals and private pensions, is taxed above a $20,000 per-person exclusion available from age 59½, at state rates up to 10.9 percent, plus city tax for New York City residents. Roth conversions are taxable in the year you convert; qualified Roth withdrawals are not.
What is the New York estate tax cliff?
New York’s estate tax exemption is $7,350,000 for deaths in 2026. If the taxable estate is more than 5 percent over that amount, above $7,717,500, the exemption disappears and the whole estate is taxed from the first dollar at rates up to 16 percent. A Manhattan apartment plus a large IRA can reach that line sooner than most people expect, so we plan for it early.
Who do you typically work with?
Women in tech, finance, media, pharma, and healthcare, often with equity compensation, investments across several accounts, or a retirement transition ahead.
What does fee-only fiduciary mean?
We are paid only by our clients. We receive no commissions, we do not sell products, and we are a fiduciary 100% of the time.
Are you a female financial advisor in New York?
Yes. Hazel Secco, CFP®, CDFA®, founded Align and leads every client relationship, working with clients in New York City, Westchester, and Long Island from our Hoboken office.
BLOGS
Work because you want to, not because you have to
Easy-to-understand financial and life insights for women
One team for the whole picture.
Too many women in New York make important financial decisions with more guesswork than guidance.
Without a plan, it’s easy to miss a Roth conversion window, sell stock in the wrong year, or get a city and state tax bill nobody saw coming.
You’ve worked too hard to leave it uncoordinated. We put all of it on one plan, with one team watching it, so the years ahead are about keeping what you’ve saved and making it last.
