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Complex Financial Planning in Albany, NY, John Gigliello Navigate Retirement with Confidence 

  • Are you retired, or aiming to retire in the next 5 years?
  • Do you value professional guidance, knowing that the success of your retirement may depend on it?
John Gigliello, CFP®, is a fee-based fiduciary financial planner in Albany, NY, serving individuals age 50+ with comprehensive planning and investment management, centered around proactive and advanced tax planning. 

As a fee-based fiduciary financial planner, I work with retirement savers who are 50+ years old,  have accumulated assets in excess of $500,000 and seek specialized advice in the following areas: Comprehensive Financial Planning, Investment Management, Proactive Tax Strategies, Retirement Income Planning and Asset Preservation and Risk Management.

Financial Advisor Albany, NY: About John Gigliello, CFP®, AIF®, EA, MBA

After a life-altering health issue at 39, my calling in life became clear: To share my knowledge of personal finance with people  who  are looking to make smart and responsible choices with their money. Only through education, action and accountability can you build the confidence and independence you need to live a satisfying life. 

We encourage you to take part in the planning process to help secure your financial future and, in turn, feel optimistic and proud about your accomplishments. Knowing that I've provided education and a plan for my clients has allowed me to turn a personal challenge into a gratifying journey.

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Receive your complimentary Retirement Navigator

Receive your complimentary Retirement Navigator


I offer this personalized guide to qualified prospective clients pursuing an independent and comfortable retirement. This is a free analysis demonstrating your retirement income projections, tax planning opportunities and investment optimization.


Comprehensive Financial Planning

 Comprehensive Financial Planning

A solid financial plan is crucial in building the right investment portfolio to help you pursue your individual goals.

  • We listen to your financial concerns and objectives.
  • We analyze your personal situation with your values in mind.
  • We propose realistic financial strategies.
  • We review your progress toward your objectives.

 Investment Management

We follow a fiduciary standard and our job is to make investment decisions that are in your best interest. This means ignoring the daily headlines and sticking with evidence-based solutions.
Our diversified portfolios of 15 different asset classes work well together and are positively supported by peer-reviewed, academic research.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

 Proactive Tax Strategies

We help you avoid costly mistakes and minimize tax surprises in retirement. Our planning strategies include:

  • Annual tax return analysis
  • Social Security claiming strategies 
  • Roth IRA conversions
  • Coordination and timing of income streams 
  • Step-Up in basis strategy
  • Inherited IRAs
  • Implementing strategies to help avoid Medicare’s IRMAA

Retirement Income Planning

A retirement plan is a living and breathing document. Our retirement planning process includes:

  • Improving and tracking the success rate of your plan 
  • Turning your retirement savings into a reliable paycheck
  • Developing a cohesive investment strategy to help reduce risk and improve returns
  • Ongoing tax planning to help reduce your tax bill

Asset Protection & Risk Management

You have worked hard to accumulate your nest egg assets. Now it’s time to protect those assets against future losses and liability.

We conduct in-depth reviews on:

  • Life Insurance
  • Long Term Care Insurance
  • Auto & Home Insurance
  • Disability Insurance
  • Umbrella Insurance
  • Health Insurance

Financial Advisor FAQs

When should I start working with a financial advisor?

Most people reach out when life starts to feel more complicated—usually in their 50s or as retirement comes into view. If you’re wondering whether you can retire, how to draw income from your savings, or how taxes will affect you, that’s a good sign it’s time to talk with a financial planner.

I’m 5–10 years from retirement. What should I be focusing on?

In the last decade before retirement, priorities include:

  • Making sure you’re saving enough,

  • Investing appropriately for your time frame and risk level, and

  • Lining up a tax-smart plan for turning your savings into income.

A financial plan brings those pieces together so you’re not guessing about when you can retire or how much you can safely spend.

Can you help me figure out if I have “enough” to retire?

Yes. A core part of the planning process is answering, “Am I okay?” We’ll look at your accounts, pensions, Social Security, spending needs, and taxes to model different retirement ages and income strategies so you can see what “enough” looks like for your situation.

What kinds of clients do you typically work with?

The practice is built for individuals and couples who are 50 and older, generally with $500,000 or more saved, who want a long-term relationship with a financial advisor. Most are long-time savers who are serious about retirement planning and want proactive guidance—not sales pitches.

How does your financial planning process work?

We start by listening—what you own, what you owe, what you want life to look like, and what keeps you up at night. From there, we organize your finances, run retirement and tax projections, review your investments, and build a written plan. Then we meet regularly to adjust as life, markets, and tax rules change.

Can you help with Social Security, Medicare, and taxes in retirement?

Yes. Retirement planning isn’t just about investments. We also look at when to claim Social Security, how your income affects Medicare premiums, and how to structure withdrawals in a tax-smart way so more of your money can support your lifestyle.

Do you only work with clients in Albany, NY?

Many clients are in Albany and the surrounding Capital Region, but virtual meetings make it possible to work with people in other parts of New York and in approved states. If you’re not sure whether you’re eligible, you can always call or reach out through the contact form and ask.

What should I bring to our first meeting?

For an initial conversation, you don’t need to have everything perfectly organized. Recent account statements, a list of income sources, and a rough idea of your spending are helpful, but the main goal is to talk about your questions, concerns, and goals so we can see whether we’re a good fit.

How is working with a financial advisor different from managing things on my own?

Online tools and articles are useful, but they can’t give you a personalized, big-picture view. A financial advisor helps you coordinate investments, retirement income, taxes, and risk so they all work together—and gives you a real person to call when markets are volatile or life throws you a curveball.

What My Clients Say


"We have used John's services as a financial advisor for so many years. He has always looked out for our best interest in services and advice. He is an honest, capable and reliable person. We would highly recommend his services to anyone, and often have."

--Donna B. 


"John  Gigliello has been a great financial advisor to us and I would highly recommend him. We did a lot of research on prospective advisors, and John was the person we decided to go with. We have not been disappointed."

-- Michele M.


"Working with John Gigliello and team has been an absolute game-changer for us. Their expertise, attention to detail and personalized approach have not only secured our financial future but also provided financial confidence. I highly recommend their services to anyone seeking top-notch financial planning!"

-- Angela W.