Business Details
Your Trusted Partner for Personalized Financial Planning
At Payne Capital Management, we are independent financial advisors dedicated to providing personalized financial planning and investment management services. Our team of experienced professionals operates as fiduciaries, legally bound to act in our clients' best interests. We serve clients globally from our offices in New York City and Philadelphia, prioritizing long-term relationships and comprehensive strategies tailored to individual goals. Our fee-based model ensures transparency, as we never accept referral fees or brokerage commissions. We specialize in retirement planning, estate planning, tax optimization, and asset protection, with a particular focus on empowering women through financial education.Our client-centered approach combines meticulous analysis with consistent communication, including annual in-person financial checkups. With a diversified team of millennials and seasoned professionals, we offer fresh perspectives on market trends while maintaining a commitment to unbiased advice. Our proprietary PCM Master Plan integrates income generation, tax strategies, and legacy planning to create clear paths toward financial independence. We welcome professionals with household incomes exceeding $250,000 or investable assets of $1 million or more to begin with a complimentary 15-minute consultation.
Services
Retirement Planning
Investment Management
Estate Planning
Tax Optimization
College Planning
Asset Protection
Financial Checkup
529 Plans
Stock Options
Corporate Retirement
Highlights and features
- We operate as legally bound fiduciaries with no referral fees or commissions
- Our team includes CFPs and CFA charterholders with specialized expertise
- We offer annual in-person financial checkups for comprehensive portfolio analysis
- Our diversified team combines millennial market insights with seasoned experience
- We maintain direct client contact with limited client-to-advisor ratios
Services
Retirement Planning
Our comprehensive retirement planning service creates personalized roadmaps for financial independence. We analyze current assets, income projections, and lifestyle goals to develop tax-efficient withdrawal strategies and investment allocations. Our fiduciary advisors ensure plans remain adaptable to market changes and evolving personal circumstances.
Estate Planning
We coordinate estate planning strategies to protect and transfer wealth efficiently. Our approach includes trust creation, beneficiary designations, and legacy planning that aligns with your values. We collaborate with legal professionals to ensure proper documentation and tax optimization for generational wealth transfer.
Tax Optimization
Our tax optimization service identifies legal strategies to minimize tax liabilities across investment accounts. We implement tax-loss harvesting, strategic asset location, and income-shifting techniques while maintaining alignment with long-term financial objectives and regulatory compliance.
Investment Management
We provide customized investment management with diversified portfolios tailored to risk tolerance and goals. Our evidence-based approach combines market analysis with regular rebalancing. We focus on low-cost vehicles and maintain transparent reporting for client understanding and confidence.
College Planning
Our college planning service develops strategies for education funding through 529 plans, custodial accounts, and alternative savings vehicles. We balance education goals with retirement needs, providing cash flow analysis and financial aid optimization strategies for families.
People
Ryan Payne
President
Ryan Payne leads Payne Capital Management's strategic vision while maintaining direct client relationships. With over 15 years in wealth management, he specializes in creating scalable financial frameworks that adapt to evolving market conditions and client needs.
Bob Payne
Managing Director & Chief Investment Officer
Bob Payne oversees investment strategy and market analysis at PCM. A seasoned financial professional with 25+ years experience, he hosts the 'Payne Points of Wealth' podcast and provides weekly market updates to clients and media outlets.
Courtney Garcia
Senior Wealth Advisor
Certified Financial Planner Courtney Garcia specializes in women's financial empowerment. With a decade of experience, she focuses on career transition planning and wealth preservation strategies, maintaining a client-centric approach to complex financial situations.
Jennifer Angell
Chartered Financial Analyst
CFA charterholder Jennifer Angell leads PCM's investment research division. Her expertise in quantitative analysis and portfolio construction ensures data-driven decision-making across client portfolios, combining rigorous analysis with practical wealth management applications.
Francesca Lagrotteria
Financial Advisor
Francesca 'Frankie' Lagrotteria advises emerging professionals on wealth accumulation strategies. She specializes in stock option management and corporate retirement plan optimization, bringing a millennial perspective to traditional financial planning frameworks.
Questions
What services does Payne Capital Management offer?
We provide comprehensive financial planning including retirement strategies, estate planning, tax optimization, investment management, and college funding solutions tailored to individual client needs.
How is PCM compensated for their services?
We operate as a fee-based firm charging a percentage of assets under management with no hidden fees, referral commissions, or brokerage incentives for complete transparency.
What type of clients work best with PCM?
We specialize in serving professionals with $250k+ annual income or $1M+ investable assets seeking personalized financial strategies and fiduciary guidance.
How often do advisors communicate with clients?
We maintain regular contact through quarterly updates and annual in-person meetings, with additional communication available for significant market changes or client needs.
Does PCM offer a free initial consultation?
Yes, we provide a complimentary 15-minute phone consultation to assess compatibility before beginning our comprehensive financial planning process.
Reviews (3)
Katie Tantino
Sep 15, 2020
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Positive:Professionalism
I really appreciate all of the content that Payne Capital Management delivers. That definitely puts them ahead of the rest in this industry.
I really appreciate all of the content that Payne Capital Management delivers. That definitely puts them ahead of the rest in this industry.
Chris Tomlinson
Sep 15, 2020
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PCM has been our financial planner for several years now. Im very pleased with the level of expertise and customer service that I receive. The PCM team has provided us with the highest level of service with our wealth management needs. If youre looking for a excellent financial advisor in NYC, I give Payne Capital Management two thumbs up and my highest recommendation.
Gotham O.
Jul 31, 2020
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The return on investment was absolutely terrible. Returns lagged the S&P 500 benchmark by almost 50%. Just buy the SPY and QQQ and a good safe high yield bond fund and save the 1% AUM fee. When I balked at some of the choices being made for which ETFs and funds to buy I was strenuously argued with that they were good choices. When I made my thesis statement as to why these funds are unlikely to perform well over the next few years, and then asked for their thesis for why they liked these funds the answer was always "diversification". Sure, diversification is a good thing, but only
