Discovery, plan, implement, steward — followed by an annual rhythm that keeps the work compounding. This is what working with Perrotto Private Wealth actually looks like, month by month.
Clarify goals, cash flow, taxes, and balance-sheet priorities. A two-way interview. You learn whether we're the practice you want in your corner; we learn whether your situation genuinely needs what we do. Nobody signs anything on call one.
Deliver a clear written strategy across investments, taxes, insurance, retirement distribution, and estate coordination. Every recommendation shows the math. No black-box models. No "just trust us." A document you can defend to your CPA and your attorney in the same meeting.
Coordinate actions with your CPA, attorney, and any other professionals already in your life, or new ones we introduce. Trust funding gets executed. Accounts get retitled. Conversions get scheduled. Beneficiaries get aligned. The plan stops being paper and becomes ownership.
Monitor, adjust, and keep decisions aligned as life and tax law change. Annual strategic review. Quarterly check-ins. On-demand access when something real happens: a sale, a health event, a tax letter, a legislative shift that rewrites the math. Stewardship is the job, not a checkbox.
A concrete view of what happens, when. Months are approximate. Your situation drives sequencing.
Two-way interview. Statements, tax returns, estate docs, beneficiary forms. We build the inventory before we build the plan.
Investment policy, tax strategy, distribution plan if applicable. Real document, defensible numbers.
Account opens, transfers, beneficiary updates. Coordination calls with your CPA & attorney. Trust funding if relevant.
What's executed, what's pending, what's changed. Adjust the plan if early implementation surfaced something we want to reconsider.
Year-to-date income against projection. Roth conversion timing. Any harvest opportunities. Course-correct before October.
Concentration trim if applicable. Charitable bunching decisions. Estimated tax updates. Q3 portfolio review.
October-November planning call. Roth conversions executed. Tax-loss harvesting. QCDs scheduled. Final adjustments before year-end.
Full review of plan, performance, taxes, life changes. Plan refresh for next year. Document everything that's changed.
Beyond year one. The cadence becomes annual review + quarterly check-ins + on-demand access for real events: sale, inheritance, health change, tax letter. The work compounds over decades. That's where it earns its keep.
Your CPA and your estate attorney are not competition. They are the other two seats that matter. We work alongside the professionals you already have, and we bring new ones to the table when you need them. Tax returns get reviewed against the written plan. Trust drafting is coordinated with the funding. Quarterly projections feed your CPA; cash-flow and beneficiary detail feeds your attorney; the investment policy feeds both. One shared picture of your financial life, not three versions of the truth.
Clients who already have a good CPA and a good estate attorney are our favorite kind of client. We show up at the meeting when it matters, hand each professional the numbers they need in the format they want, and stay out of the way when it is their turn to run. If you do not have either, or you need a fresh set, we maintain a short list of excellent, conflict-free referrals in Rochester and nationally.
Not owned by any bank, brokerage, or insurance company. Free to recommend whatever actually fits the client in front of us, including the recommendation that is nothing at all.
We work with your CPA and your attorney, not around them. One shared picture of your financial life, defended in the same meeting, with the same numbers.
Every engagement produces a real document: investment policy, retirement plan, tax strategy, estate coordination. Every recommendation shows the math. No black boxes. No "just trust us."
We call before you call us. Annual strategic reviews, quarterly check-ins, on-demand access when something real happens: a sale, a health event, a tax letter, a legislative shift.
A single point of contact who knows your whole picture. The advisor on the phone is the advisor whose name is on the door. Your call gets returned the same day.
Investment advisory services are offered as a fiduciary through Bright Futures Wealth Management. Insurance and annuity work is conducted separately with full commission disclosure. Any recommendation we make comes with a defensible answer to "why this, for this client, right now."
A thirty-minute conversation. No sales pitch. No pressure. We'll talk about what's on your mind and tell you honestly whether this is the right practice for you.
Start a conversation →A 30-minute introduction. No pressure. Tell me a bit about your situation and I'll reach out within one business day.
I'll be in touch within one business day. If anything urgent, please call (718) 551-7131.
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