Our Services

Michael Terry Planning, LLC is a Fee-Only financial planning and Registered Investment Advisory firm headquartered in Maspeth, New York in the Boro of Queens, New York City, Michael Terry, CFP™ , President. We specialize in providing financial planning and advice to individuals and families, regardless of their networth, income or investable assets. As Fee-Only advisors, we work solely for our clients. Because no commissions are ever received, all potential conflicts of interest regarding compensation are removed. We  can work with you on an as needed, hourly basis, a flat fee retainer basis or manage your assets using a flat fee or percent of assets managed. We are flexible. We will work with you to find a fee structure that is comfortable for you.

We work with people from all walks of life, providing Fee-Only financial planning and advice for everyday life. Clients have the flexibility to engage us on either a one-time, as-needed or ongoing basis.

Remember, you don't have to have a fortune to start building one. Today is always the best time to get started. Whether you are building assets for the future - or seeking to protect, enjoy and pass on those you already have - Michael Terry Planning, LLC. Here are some of the areas where we can help you:

Retirement Planning

  • When can I retire?
  • How much will I need?
  • What will my taxes be?
  • Will I leave any assets for my heirs?
  • Will I run out of Money?

College Planning

  • What's the best way to save for College?
  • Can you help me through the financial aid forest? (Yes we can).
  • Should I borrow from my retirement plans

Risk Management

  • Do I have enough or too much life insurance?
  • Should I consider Long-term Care insurance?
  • Do I need liability coverage?
  • Is my home adequately insured?
  • What is disability insurance and do I need it?

Investment Planning and Investment Management

  • What is asset allocation and diversification?
  • Do I need it?
  • Am I well diversified?
  • How can I be sure my assets are safe?

Estate Planning

  • Do I need a will?
  • What about a living trust?
  • Do I really need high priced estate planning?
  • Is the government going to take all my assets when I die?

Budgeting and Credit

  • Do I need a budget?
  • Am I too deeply in debt?

Miscellaneous Questions

  • Lease or Buy?
  • Mortgages and Home Equity?