Institutional
Expertise For
Retail Clients
since 1994

Our Expertise

  • Financial Planning

    Saratoga’s founder began his financial planning career over 40 years ago, eventually overseeing firm-wide financial planning services offered by hundreds of advisors.

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  • Investment Management

    Saratoga is an award-winning model portfolio provider, whose asset allocation models have been distributed nationally across hundreds of investment firms.

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  • Economic Research

    Saratoga’s economic and allocation research pulls on nearly a century of data. Are you positioned correctly for today’s economy?

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Modern Financial Services.
Trust Earned Over Generations.

How We can Help our Clients

  • A Financial Blueprint

    Building a unified view of your household’s financial circumstances through aggregation and syncing tools.

  • Retirement Planning

    Helping you build a secure and comfortable retirement through personalized planning strategies.

  • Investment Management

    Designing and managing a diversified portfolio tailored to your goals, risk tolerance, and time horizon.

  • Tax Strategy

    Minimizing your tax liability with smart strategies that align with current laws and your financial objectives.

  • Estate Planning

    Ensuring your assets are distributed according to your wishes while minimizing estate taxes and legal complications.

  • Budgeting & Cash Flow Management

    Helping you create a practical budget and manage cash flows to support your lifestyle and savings goals.

  • Insurance Analysis

    Protecting your wealth and loved ones with the analysis of insurance coverage for life, health, property, and more.

  • Education Funding

    Planning and saving for your children’s or grandchildren’s education with tax-advantaged strategies like 529 plans.

  • Debt & Student Loan Management

    Developing a plan to reduce or eliminate debt efficiently while improving financial stability.

What you Get with Saratoga

  • As fiduciaries, we are legally and ethically bound to act in your best interest. Our advice is always centered around your financial goals, not commissions or product sales.

  • As a fee-only advisor, we believe in clear, upfront pricing with no hidden costs. Our fee structure is simple to understand, so you always know what you're paying and why.

  • As an independent firm, we are free from corporate influence and product sales pressure. Our advice is objective, research-driven, and focused solely on what benefits you most.

  • Saratoga’s services include digital onboarding and account creation, modern financial services partners, and next-generation client portals and apps.