Help with financial planning?

accounting ledgerEAW emails:

I just had a baby in May and have made it a goal to get my financial plans together while on maternity leave - saving up for retirement, my son's college education, figuring out how much life insurance I need, etc. I've been trying to read up online and do it on my own, but it's getting too complicated now and I need some help. I'd really like to find an intelligent and trustworthy financial planner to work with and would love to get some recommendations from people in the capital region. Thanks for your help!

We've had a similar question before, but it's been a while and maybe we can round up some new suggestions. And although EAW is looking for a financial planner, we're also curious about other resources that could help -- organizations, books, websites, whatever that's helped you get organized and move ahead with a plan.

So, got a suggestions for EAW? Please share!

Earlier on AOA: Ask AOA: Tips for tracking spending?

photo: Flickr user edinburghcityofprint (Edinburgh City of Print) (cc)


My sister worked at 105 Wolf Rd for IFC's original location for 28 years until Tom & Jerry Burke tore the building down.
Her boss operates from Riverside Drive, but may give you advice on his e-mail site.
I know he said it is best if your financial advisor is not selling you a product, such as insurance, etc, and to diversify. Stock market is a gamble,and the future is a mystery.

D.J. Panetta is a fabulous CFP and will guide you in the right direction.

D.J. (Dominick J.) Panetta, CFP®
Financial Advisor, Managing Partner

“Investments, Insurance, and Financial Guidance”
Located in the heart of N.Y.'s Tech Valley

2022 Western Avenue, 2nd Floor West
Albany, NY 12203

(518) 387-3100
(800) 557-9588
Fax: (800) 557-9588

My advisor's name is Joe Petry with HBW Securities and he's great. Not only was he helpful in setting up my retirement accounts, but he also looked through my expenses and found ways for me to save money on things from my student loans, to my car insurance. He has access to a wide array of portfolios from different companies, so you have tons of options and he's very good at listening to your goals and fitting you into the right accounts that match your amount of risk aversion. His number is 598-3371 if you're interested.

I found that the templates in excel or Microsoft works are a good place to start. there are many to choose from or use them to create your own. At least for monthly budgeting.

Dave Ramsey and his highly entertaining radio show?

When we were getting our finances in order, we got a lot of advice/motivation from two websites: and Get Rich Slowly is a lot different than it used to be (the original creator sold the site and now there is a staff of writers) and the Simple Dollar has changed too but not as much. I don't find either of them as useful as I used to, part of that is the changes they've made, part of it is probably the changes in my own life. But they helped me a lot once upon a time. The archives of both sites should be full of useful info, if you have some idea of what you're looking for..

I haven't ever hired a financial advisor, but the one bit of advice I've internalized about them from what I've read is to find someone who works for a fee, not a commission, so that there is no question about their motivations when they give you advice.

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