Retirement planning
built around your life,
not a formula.
Sheppard Mosher is an independent financial advisory firm serving individuals, families, retirees, and business owners across the Finger Lakes region of New York. We deliver clear, structured, personalized guidance at every stage of life.
Schedule a Free ConsultationComprehensive planning for every chapter of your financial life
From retirement income to estate planning, we coordinate every dimension of your financial picture into one structured, personalized plan.
Retirement Planning
Sustainable income strategies built around Social Security timing, withdrawal planning, and long-term portfolio alignment.
Investment Management
Disciplined asset allocation and risk management designed for growth and stability matched to your goals and timeline.
Tax-Efficient Strategies
Coordinated planning with your tax professionals to reduce lifetime tax impact through strategic account structuring.
Estate & Legacy Planning
Proactive strategies to ensure your wealth transfers efficiently and according to your wishes across generations.
Business Owner Planning
Exit planning, succession strategies, and tax-efficient financial decisions for business owners at every stage.
Ongoing Client Partnership
Regular reviews, proactive communication, and plan adjustments as your life, tax laws, and markets evolve.
Planning for Finger Lakes families at every stage
We work with clients throughout Canandaigua, Rochester, Victor, Geneva, and the surrounding Finger Lakes communities. Wherever you are, we start where you are.
Pre-Retirees
Preparing for the transition from income to retirement distribution. We map your path forward with clarity.
Retirees
Managing income, Social Security, and preserving wealth through a structured distribution plan.
Business Owners
Planning exits, managing taxes, and building personal wealth alongside business growth.
Families & Professionals
Long-term wealth preservation and multi-generational planning for Finger Lakes families.
The PROSPER Process
Your path to prosperity, our proven process.
You've worked a lifetime building what you have. Now it's time to make sure it works for you. The PROSPER Process is our framework for creating a comprehensive plan built around your goals, your family, and your future. Not a one-size-fits-all solution.
Plan
We start by getting to know you: your goals, your family, and what you're working toward, so everything we build is grounded in what matters most to you.
Review
We take a thorough look at where you stand today: assets, income, liabilities, and existing accounts, to build an honest picture of your current financial health.
Organize
We bring structure to your financial life, consolidating accounts and simplifying complexity so every piece is working together toward a single goal.
Strategize
With a full picture in place, we build a personalized strategy covering income, taxes, Social Security timing, risk, and long-term investment direction.
Protect
We weave estate planning and legacy considerations into your overall strategy so the people and things you care about most are safeguarded.
Execute
We put your strategy into motion with intention, keeping you informed at every step and adjusting when life calls for it.
Retire
We help you step into retirement with confidence and remain your partner through it, so you can focus on living the life you've earned.
Local, independent, and on your side
As an independent firm, we are not incentivized to sell any particular product. Our advice is objective, our planning is comprehensive, and our relationships are built on long-term trust.
Your interests guide us
We have spent over twenty years putting our clients first. The advice we give is the same advice we would give our own families.
Truly independent
We are not owned by a bank, insurance company, or fund family. Our recommendations come from an open universe of options.
Community rooted
We have served Finger Lakes families since 2005. We live here, we know the region, and we are invested in the people we work with.
A relationship, not a transaction
We grow alongside our clients through every stage. Expect proactive communication and a team that knows your name and your situation.
Retirement should be the beginning of something meaningful, not a maze of financial uncertainty. We are here to make the path clear.
Rooted in the Finger Lakes
We serve clients throughout Canandaigua, Rochester, Victor, Geneva, Seneca Falls, Penn Yan, and the broader Finger Lakes region. We also work with clients anywhere in the United States.
Answers for prospective clients
We primarily serve clients throughout Canandaigua, Rochester, Victor, Geneva, Seneca Falls, Penn Yan, and the broader Finger Lakes and Monroe and Ontario County region. That said, we are happy to work with clients anywhere in the United States. If you are looking for an independent financial advisor regardless of where you live, we would love to connect.
Everything we do is built around what is best for you. That has been true since we opened our doors in 2005, and it is the foundation every client relationship is built on. We have spent over twenty years giving advice we would be comfortable giving to our own family, and we plan to keep it that way.
The PROSPER Process is our seven-step client framework: Plan, Review, Organize, Strategize, Protect, Execute, and Retire. Each step builds on the last to create a comprehensive, personalized plan designed around your goals, not a generic template.
Schedule a complimentary 30-minute introductory consultation using the button below. There is no cost and no obligation. We will listen to your situation and determine together whether we are the right fit for your financial goals.
Independent firms like Sheppard Mosher are not owned by banks, insurance companies, or fund families. We are not incentivized to push proprietary products. That independence means our recommendations come from an open universe of options. We select what is best for you, not what is most profitable for us.
Ready to build a smarter financial plan?
If you are looking for a financial advisor in Canandaigua, Rochester, or Victor NY, Sheppard Mosher is ready to help you build a clear, structured plan for retirement, investing, and long-term financial confidence.