SENIOR Financial & Tax Associates is a registered investment advisor located in Orchard Park, New York. Founded in 1990, the firm offers personalized financial planning and investment management services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. SENIOR Financial & Tax Associates acts as a fee-only advisor, meaning they do not sell insurance, annuities, or commission-based products, and they do not accept referral fees or kickbacks. Their investment approach utilizes strategic asset allocation with a balanced mix of conservative, moderate, and aggressive approaches, primarily investing in no-load mutual funds, exchange-traded funds, equities, and fixed-income securities. The firm helps clients navigate various financial areas including retirement planning, tax strategies, cash flow management, insurance reviews, estate planning, and education funding.
Fee Structure
Portfolio-Based Fees (Tiered)
| Portfolio Value | Annual Fee |
|---|---|
| Up to $100K | 1.50% |
| $100K - $500K | 1.20% |
| $500K - $1.0M | 1.00% |
| $1M+ | 0.80% |
Fees are billed quarterly in arrears. There is a $3,300 minimum annual fee.