Business Details
Your Trusted Fee-Only Financial Planner in New York
Flores Wealth Planning is a fee-only Registered Investment Advisory firm based in New York City, dedicated to providing objective financial guidance. With over two decades of experience, we specialize in creating personalized financial strategies tailored to individual, family, and business owner needs. Our fiduciary commitment ensures all recommendations prioritize client interests, utilizing modern tools and a holistic approach to address retirement planning, investment management, tax efficiency, and estate planning.We operate with transparency, avoiding product sales incentives to maintain unbiased advice. Our flexible service models accommodate virtual and in-person consultations, emphasizing accessibility and client education.
Services
Financial Planning
Investment Management
Retirement Planning
Tax Planning
Estate Planning
Debt Management
Insurance Review
College Savings Strategies
Highlights and features
- We offer 20+ years of experience in fee-only financial planning.
- Our fiduciary commitment legally prioritizes your financial interests.
- We provide virtual and in-person consultations for client convenience.
- Our holistic approach considers all aspects of your financial life.
- We use modern financial planning technology for accurate, real-time updates.
Associations and certifications
- Certified Financial Planner (CFP)
- Registered Investment Advisor (RIA)
Services
Financial Planning
Our comprehensive financial planning service creates customized strategies addressing retirement, investments, insurance, and estate needs. We analyze your current financial status to develop actionable plans aligned with personal goals. This service emphasizes long-term wealth management through regular progress monitoring and adjustments.
Investment Management
We design diversified investment portfolios using low-cost index funds and ETFs tailored to risk tolerance and financial objectives. Our approach focuses on asset allocation models that balance growth potential with risk mitigation. Clients receive ongoing portfolio reviews and performance updates to ensure alignment with evolving goals.
Retirement Planning
This service calculates required savings rates and optimal retirement account usage (401(k), IRA, Roth) to achieve financial independence. We develop phased withdrawal strategies and tax-efficient income plans. Regular progress assessments ensure clients stay on track for their desired retirement lifestyle.
Tax Planning
Our tax planning identifies legal strategies to minimize tax liabilities through retirement account contributions, deduction timing, and tax-advantaged investments. We coordinate with accountants to implement strategies that maximize after-tax income while maintaining compliance with current tax regulations.
Estate Planning
We help establish essential estate documents and develop strategies for efficient asset transfer. This includes beneficiary designation reviews, trust considerations, and state/federal estate tax planning. Our goal ensures clients' wishes are honored while minimizing probate complexities.
People
Arthur Flores
Certified Financial Planner
Arthur Flores, CFP, founded Flores Wealth Planning after 20+ years at major financial institutions. He specializes in fee-only planning, using mind-mapping techniques for personalized strategies. A former Navy Reserve financial counselor, he holds NAPFA and XY Planning Network memberships.
Questions
What types of clients do you work with?
We serve individuals, families, and business owners at all life stages with no account minimums.
How does your financial planning process work?
Our five-step process includes goal definition, data gathering, analysis, plan presentation, and implementation with annual reviews.
What fee structures do you offer?
We offer hourly, fixed-fee, monthly retainer, or asset-based pricing structures tailored to client needs.
Are you legally required to act in my best interest?
Yes, as a fiduciary Registered Investment Advisor, we must prioritize client interests above all else.
How are my assets protected?
Client assets are held by Charles Schwab, a third-party custodian with industry-leading security measures.
