Retirement
When to Convert: A Rational Look at Roth Conversions in 2026
Walking through the tax math, the break-even, and the cases where it makes the most sense.
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Trusted Financial Planners · Wall Street
Wealth, planned with the
precision it deserves.
From the historic Munson Building in Lower Manhattan, American Financial Services provides personalized planning for individuals, families, and small businesses across New York.
5.0★
Google Rating
25+
Years of Experience
$100M+
Assets Advised
100%
Fiduciary
About the Firm
A boutique practice in the heart of Wall Street.
Founded on the principle that every financial life is unique, we deliver bespoke planning grounded in transparency, fiduciary duty, and an unwavering commitment to our clients' long-term success.
Independent
No proprietary products. No hidden incentives.
Fiduciary
Your interests come first — every recommendation, every time.
Local
Headquartered in the Munson Building, NYC.
Experienced
Decades of cross-cycle market guidance.
What We Do
Six pillars of comprehensive planning.
Each engagement is tailored — but every plan we build rests on these foundations.
01
Wealth Management
Custom portfolios aligned with your goals, risk tolerance, and time horizon — actively managed for resilience.
02
Retirement Planning
From accumulation to distribution: 401(k), IRA, Roth conversions, and Social Security optimization.
03
Tax Strategy
Year-round tax planning that reduces liability and keeps more of what you earn working for you.
04
Estate Planning
Coordinated trust, will, and beneficiary strategies that protect and transfer wealth gracefully.
05
Insurance Review
Life, disability, and long-term care assessments to safeguard against the unexpected.
06
Business Advisory
For founders and owners: succession, retirement plans, and key-person planning.
The Process
A disciplined path from goals to outcomes.
01
Discover
We listen first. Understanding your values, goals, and obligations is the foundation of every plan.
02
Design
We model scenarios, stress-test assumptions, and craft a plan as detailed as your life requires.
03
Deliver
We implement with care — coordinating with your CPA, attorney, and trusted advisors.
04
Steward
Markets change. Lives change. We meet regularly to keep your plan calibrated to reality.
The Team
Advisors who know your name — and your numbers.
Our small team works with a deliberately limited number of households. That focus is the difference between a plan that sits in a binder and one that lives in your inbox and on your calendar.
Senior Wealth Advisors
CFP®, CFA, and CPA credentials — drawn from decades of NYC practice.
Dedicated Service Team
Direct access by phone and email, no call centers, no scripts.
Independent Custody
Your assets are held by leading third-party custodians for full transparency.
"
We don't sell products. We build relationships, decade by decade, with families who want their money to mean something.
— Our Guiding Principle
Client Voices
Five-star, by every measure.
★★★★★
"They turned a chaotic financial picture into something we actually understand. The clarity alone has been worth it."
M. Reyes
Client since 2019
★★★★★
"Refreshingly honest. They told me what I didn't want to hear, and three years later I'm grateful they did."
J. Whitman
Retired educator
★★★★★
"The most thoughtful retirement plan I've ever seen. Every contingency considered."
S. Okafor
Small business owner
Insights
Plain-spoken thinking on money.
Markets
Volatility Isn't Risk: Notes from a Quarter of Headlines
What history teaches us about staying invested when the noise gets loud.
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Estate
The Three-Document Foundation Every NYC Family Needs
Will, healthcare proxy, durable power of attorney — and why each matters.
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Questions
Answers, before you ask.
Who do you typically work with?+
Individuals, families, and small business owners across the NYC tri-state area — typically with $250K or more in investable assets, though we evaluate every relationship on fit.
How are you compensated?+
We are a fee-based fiduciary practice. Fees are transparent, disclosed upfront, and structured so our success is aligned with yours.
Do I need to live in New York?+
No. While our office is in Lower Manhattan, we serve clients nationwide via secure video conferencing.
What is the first meeting like?+
A complimentary 45-minute conversation. We listen, you ask questions, and we both decide if there's a fit. No pressure, no obligation.
Are my assets safe?+
Your assets are held at independent third-party custodians. We never take custody of client funds.
Get in Touch
A conversation costs nothing. It may change everything.
Schedule a complimentary, no-obligation consultation. We'll listen, share an honest assessment, and outline what working together could look like.
Office
Munson Building, #67, New York, NY 10005
Phone
Hours
Mon–Fri · 7 AM – 9 PM
Plus Code
PX4R+6J New York