Imperative Wealth Planning is a fee-only financial planning firm serving pre-retirees and retirees in Binghamton, New York, and surrounding areas. Led by Fred, the firm specializes in retirement planning, offering fiduciary advice with no commissions, product fees, or kickbacks. Its services help clients make informed decisions about Social Security timing, pension elections, retirement income, taxes, investments, and legacy goals.

Clients can choose comprehensive ongoing financial planning with investment management, ongoing planning without investment management, or a one-time financial plan and roadmap. Planning may include portfolio withdrawal strategies, Roth conversions, required minimum distributions, tax-efficient charitable giving, strategic gifting, and coordination with estate plans. The firm’s process begins with an introductory call, followed by discovery and a tailored plan; ongoing clients receive continued monitoring and adjustments as circumstances and rules change. Investment assets are held with an independent custodian, Charles Schwab & Co., rather than by the firm. Imperative Wealth Planning is geared toward households approaching retirement or already retired who value coordinated guidance on income, taxes, investments, and what they hope to leave to others.