Independent & Fiduciary — Since 1996
Your Financial Future, Thoughtfully Planned
Personalized investment, retirement, tax, and estate planning for families and businesses across Central New York.
Our Story
A Firm Built on Experience and Alignment
The Terzolo Financial Group began in 1996 when Ed Terzolo started a small accounting firm from his dining room table. What started as a one-person practice has grown into a comprehensive financial planning firm serving hundreds of families and businesses across Central New York.
When Shelly joined the firm in 2002, together they developed a successful wealth management practice, combining deep tax expertise with personalized financial planning. Today, The Terzolo Financial Group manages over $50 million in client assets.
As an independent, fiduciary firm, we answer to no one but our clients. Every recommendation, every strategy, every decision is made with one question in mind: is this in the client's best interest?
What We Do
Comprehensive Financial Guidance
We take a holistic view of your finances — integrating tax planning, investment management, retirement strategies, and estate planning into one coordinated plan.
Financial Planning
Comprehensive planning that considers your complete financial landscape to create a personalized roadmap.
Retirement Planning
Time-segmented strategies using our ATS method to maximize your retirement experience.
Investment Management
Customized strategies to protect and grow your wealth, selected solely in your best interest.
Tax Services
Expert tax preparation and year-round planning for individuals and businesses in all 50 states.
Estate Planning
Preserve the legacy you intend to leave behind, aligned with your financial strategy.
Insurance Solutions
Life, health, disability, long-term care, and property coverage integrated with your financial plan.
Who We Serve
Expertise Across Life Stages
We tailor our approach based on your unique situation, goals, and where you are in life.
Individuals & Families
From newlyweds building their first savings plan to retirees managing distributions, we meet you where you are.
Medical Professionals
We understand the unique financial complexities of healthcare — student debt, practice overhead, deferred compensation, and malpractice coverage.
Educators
Teachers face unique retirement systems and benefits. We help you navigate TRS, 403(b) plans, and pension optimization.
Small Business Owners
Full-spectrum business financial services including succession planning, exit strategies, payroll tax, and business entity structuring.
Our Process
How We Work Together
A straightforward process designed to give you clarity and confidence at every stage.
Discover
We start by understanding your complete financial picture — goals, concerns, assets, obligations, and the life you want to build.
Design
We craft a personalized strategy that integrates investment, tax, retirement, and estate planning into one cohesive plan.
Implement
We put your plan into action — opening accounts, reallocating assets, filing returns, and coordinating with your other advisors.
Monitor
Life changes. Markets shift. We review and adjust your plan regularly to keep you on track toward your goals.
Testimonials
What Our Clients Say
We measure success by the confidence our clients feel about their financial future.
Ed and Shelly have been managing our finances for over 15 years. They treat us like family and have guided us through every major financial decision.
As fiduciaries, we are legally and ethically obligated to act in your best interest at all times. Our recommendations are based solely on what's best for you — not what generates the highest fee for us.
Ready to plan your financial future?
Your first consultation is always complimentary. No pressure — just a conversation about your goals.
Get in Touch