Frequently Asked Questions

I help bring order to your financial life. Retirement accounts, taxes, investments, Social Security timing, and long-term planning decisions should work together, not in isolation. My role is to help coordinate those pieces so decisions feel clearer, more intentional, and aligned with the life you want next.

I work primarily with University of Rochester professionals in their 50s and 60s who are preparing for retirement and want confidence around retirement income, taxes, investments, and long-term decisions.

Yes. I specialize in working with University of Rochester professionals, including faculty, administrators, and medical center leaders. I am not affiliated with the University of Rochester. I work independently as a wealth advisor with The Pitti Group Wealth Management.

My office is located at 590 Fishers Station Drive, Suite 110, Victor, New York.

I primarily work with clients throughout the greater Rochester area, including University of Rochester professionals, and I also work with clients in other locations where permitted.

The right time is usually before decisions start to feel forced. Many people reach out when retirement is five to ten years away, or when financial decisions begin to feel more connected than they used to. You don’t need to have everything figured out to start the conversation.

Yes. Many of the people I work with are still working and planning ahead. The years leading up to retirement often offer the greatest opportunity to improve long-term outcomes through better coordination around investments, taxes, and income planning.

I help clients understand how Social Security fits into the broader plan. This includes reviewing timing options, tax implications, portfolio withdrawals, and how different claiming strategies affect long-term income and flexibility. The focus is not just choosing an age, but making sure the rest of the plan supports that decision.

That depends on your overall plan. Some people keep their TIAA 403(b), while others explore different options based on income needs, investment structure, and tax considerations. The goal is to make sure the account supports retirement income and works in coordination with the rest of your financial strategy.

Some people can, and many do. The question is whether your accounts are coordinated in a way that supports retirement income, taxes, and long-term decisions. My role is not to take control, but to help bring structure and clarity to decisions that become more complex as retirement approaches.

No. You remain the owner of your accounts and retain full visibility and access at all times.

In many cases, clients choose to work with me on a discretionary basis, which means I handle day-to-day investment decisions within an agreed-upon strategy. That discretion exists to reduce stress and allow the plan to be implemented consistently, not to remove your involvement.

We agree on the strategy together, and nothing about your goals, risk level, or overall plan changes without discussion. You can ask questions, request changes, or end the relationship at any time.

I incorporate tax planning as part of the broader financial planning process. This includes helping clients understand how investment decisions, retirement income strategies, and Social Security timing may affect lifetime taxes. I do not provide standalone tax preparation services.

The first meeting is a conversation. We talk through your situation, what you’re thinking about, and where you feel uncertain. There is no pressure to commit or make changes. The purpose is to determine whether working together would be helpful and whether my approach fits what you’re looking for.

You can schedule a conversation with Sean using the online scheduling link below.

https://calendly.com/s-hantes-thepittigroup/45min

This is an introductory conversation to talk through your situation and determine whether working together would be helpful.