1. What services does Cuddy Financial Services offer?

We provide comprehensive financial planning designed to bring clarity and confidence to your financial life. Our services span investment management, retirement and Social Security planning, tax strategies, risk management, estate and legacy planning, cash flow and budgeting, education funding, and business owner planning. Each service is integrated so your tax, investment, and financial decisions work together rather than in silos. Whether you're nearing retirement or navigating complex life events, we deliver personalized, boutique-level solutions.

2. How do I know if I need a financial advisor?

If you have questions about retirement, taxes, investments, or life transitions, you'll benefit from professional advice. Our clients typically come to us when: Retirement is approaching and they want to know if they're financially ready; Taxes feel overwhelming and they want strategies to reduce their burden; They've accumulated investments but lack a clear plan; Major events (selling a business, inheritance, family changes) create complexity. We serve as both guide and partner, ensuring your decisions are tax-smart and future-focused. If you're asking this question, the time is likely right.

3. What makes Cuddy Financial Services different from other financial planning firms?

Our difference lies in experience, integration, and culture. Unlike firms that focus narrowly on investments, we bring over 40 years of CPA experience and 30 years as a CFP® into a holistic planning model. Every recommendation considers tax effects, retirement readiness, risk, and long-term family impact. We operate as a boutique practice, meaning you receive personalized attention and continuity—not a call center or mass-market solution. Our goal is simple: help you make confident financial decisions, grounded in both numbers and life values.

4. How much does financial planning cost at Cuddy Financial Services?

Our fees are transparent and designed to match the level of service you need. We typically offer: Comprehensive financial planning – a flat or project-based fee, depending on complexity; Investment management – an asset-based fee, aligned with your portfolio value; Specialized consultations – hourly or one-time project fees. Because every client's needs are different, we provide a fee schedule upfront before you commit. You'll always know the cost before moving forward.

5. Can Cuddy Financial Services help with both investments and taxes?

Yes, that's one of our strongest advantages. As both CPAs and CFP® professionals, we integrate tax planning directly into investment management. That means: Investment strategies that reduce taxes in the short and long term; Withdrawal sequencing that minimizes tax burdens in retirement; Coordination of tax return preparation with financial planning decisions. Few firms deliver this dual expertise under one roof. You don't have to choose between a tax pro and a financial advisor—you get both.

6. Will you be able to tell me if I can retire based on our particular situation?

Yes, retirement readiness is at the core of our planning process. We analyze your income sources (Social Security, pensions, investments), expenses, healthcare costs, and lifestyle goals. We then model scenarios that test whether your retirement plan can withstand market changes, inflation, or unexpected life events. This provides clarity on whether you're ready now, or what steps will bridge the gap. We'll give you a clear answer—not just "maybe."

7. How do I get started with financial planning at Cuddy Financial Services?

It begins with a conversation. Step 1: Schedule an introductory meeting. Step 2: We'll review your goals, current finances, and priorities. Step 3: Together, we'll outline a customized planning roadmap, including services, fees, and next steps. There's no obligation; it's about seeing if we're the right fit. Getting started is easy.

8. Does Cuddy Financial Services work with clients nationwide or just locally?

We proudly serve clients both locally and across the U.S. With secure technology (video meetings, encrypted document sharing, digital planning tools), geography is no longer a barrier. That said, we also enjoy meeting face-to-face with local clients in Upstate New York. Whether you're near or far, our level of service remains the same.

9. What qualifications do the advisors at Cuddy Financial Services have?

Our advisors bring deep professional expertise. Credentials include: CPA (Certified Public Accountant) – 40 years of practice; CFP® (Certified Financial Planner) – 30 years of comprehensive financial planning; Extensive experience guiding families, business owners, and retirees; Ongoing continuing education to stay ahead of tax law and financial trends. You'll work with seasoned professionals who combine technical expertise with personal care.

10. How often will I meet with my financial advisor at Cuddy Financial Services?

We meet as often as your situation requires. For most clients, we recommend: A formal review meeting once or twice per year; Additional check-ins during major life events, tax season, or market shifts; Ongoing availability via phone, email, or virtual meetings for questions that can't wait. Our boutique model ensures responsiveness—you're never just a number. You'll have steady access to advice when you need it.