Business Details
Your Trusted Fiduciary Financial Advisor in Saratoga Springs
At CHS Wealth Management & Cpa's, we are dedicated to providing personalized financial guidance rooted in fiduciary integrity. Our team combines decades of experience in wealth management, tax strategy, and financial planning to serve business owners, executives, and individuals. As Certified Financial Planners and Certified Public Accountants, we adhere to the highest ethical standards, ensuring every recommendation aligns with our clients' best interests. Our multidisciplinary approach integrates investment advisory services, estate planning, and business consulting, supported by a commitment to ongoing education and industry leadership. With offices in New York, Vermont, and New Hampshire, we deliver the expertise of a national firm while maintaining the personalized service of a community practice.Our fiduciary promise ensures transparent fee structures, conflict-free advice, and a focus on long-term, multi-generational relationships. We empower clients to navigate complex financial landscapes through tailored solutions, leveraging our team's diverse backgrounds in public accounting, corporate finance, and education. Our mission remains centered on enhancing clients' financial well-being through strategic planning, rigorous analysis, and unwavering dedication to their goals.
Services
Wealth Management
Financial Planning
Retirement Plan Design
Estate Planning
Education Planning
Business Taxation
Individual Taxation
Not-For-Profit Consulting
Family Office Services
Investment Services
Highlights and features
- We operate under a fiduciary standard, legally required to act in your best interest.
- Our team holds dual certifications as CFPs and CPAs for comprehensive financial expertise.
- We combine Wall Street experience with community-focused service delivery.
- Our fee structure maintains full transparency with no hidden conflicts of interest.
- We offer integrated tax, investment, and estate planning services under one roof.
Associations and certifications
- Certified Financial Planner (CFP)
- Certified Public Accountant (CPA)
Services
Wealth Management
Our wealth management services provide customized investment strategies and comprehensive financial planning. We help clients grow and preserve assets through personalized portfolio management, risk assessment, and multi-generational wealth transfer solutions. Our fiduciary approach ensures all recommendations prioritize client objectives while maintaining transparent fee structures and ethical standards.
Financial Planning
We develop tailored financial plans addressing retirement goals, tax optimization, and long-term security. Our Certified Financial Planners analyze cash flow, insurance needs, and investment allocations to create actionable roadmaps. This service integrates with tax planning to maximize net returns while preparing clients for life's major financial transitions.
Tax Services
Our CPA-led tax services cover individual, business, and estate tax preparation with strategic planning for optimal efficiency. We specialize in complex returns, audit representation, and tax-saving opportunities for high-net-worth clients. The team maintains IRS Enrolled Agent credentials to handle advanced tax matters and regulatory compliance across multiple jurisdictions.
Estate Planning
We design comprehensive estate plans incorporating wills, trusts, and advanced directives. Our approach minimizes tax liabilities while ensuring asset distribution aligns with client wishes. We collaborate with legal professionals to create durable powers of attorney and healthcare directives that protect clients' interests across generations.
Investment Services
Our investment advisory services offer diversified portfolio construction and ongoing performance monitoring. We utilize a fiduciary framework to select securities and funds that match risk tolerance and financial goals. The service includes regular rebalancing, tax-efficient harvesting strategies, and access to institutional-grade investment products through our Cetera partnership.
People
Catherine Harris
Financial Advisor and President
Founder of CHS with CFP and CPA credentials across four states. Holds advanced degrees in business and accounting. Former Wall Street VP and adjunct professor. Specializes in investment strategy and retirement planning.
Jeff Sully
Audit Team Lead
CPA and CMA with expertise in municipal audits and nonprofit taxation. Former CFO of a California winery. Teaches financial management principles and contributes to industry publications.
Patty Cusack
Firm Administrator
Certified Public Bookkeeper with 30 years of accounting experience. Manages client relations and investment operations. Expert in QuickBooks and business taxation with retail and construction industry expertise.
Deb Kelly
Tax Manager
AS in Accounting with 30+ years of tax experience. Former IRS employee and real estate agent. Specializes in estate taxation and audit representation. Oversees tax preparation workflows and client communications.
Ron Hassan
Associate Accountant
CPA candidate with University of Vermont degree. Prepares complex tax returns and assists with nonprofit audits. Volunteer experience includes Boys & Girls Club service and lifeguarding roles.
Questions
What distinguishes a fiduciary financial advisor?
Fiduciaries legally must prioritize client interests over their own, avoiding conflicts of interest. They provide transparent fee structures and personalized advice aligned with client goals.
What services do you offer for business owners?
We provide tax optimization, retirement plan design, business succession planning, and cash flow management tailored to executives and independent professionals across multiple industries.
How are your advisors credentialed?
Our team holds Certified Financial Planner (CFP) and Certified Public Accountant (CPA) designations, with additional IRS Enrolled Agent credentials for advanced tax expertise.
Do you serve clients outside New York?
We serve clients in Vermont, New Hampshire, and nationwide through virtual consultations while maintaining physical offices in our primary service areas.
What investment platforms do you use?
We partner with Cetera Financial Specialists to access institutional-grade investment products and custodial services while maintaining independent fiduciary oversight.
