Note Advisors

06/17/2026

We worked with someone recently whose mother had passed away, and part of their inheritance was used to take their children and grandchildren on a trip she had talked about for years.

From a purely financial perspective, there may have been more tax-efficient ways to handle the money. But to them, this was about continuing their mom’s legacy through an experience the family would remember forever.

Sometimes the most meaningful financial decisions are the ones that create lifelong memories that honor the legacy of those who have gone before us.

06/08/2026

We believe that financial planning works best when every part of your financial life is working together.

That's why we're excited to announce the launch of our Tax Planning & Preparation Division.

With the addition of Andrew Lemay, CPA, to our team, we're expanding our ability to help clients coordinate tax planning, tax preparation, and financial planning in one place.

It's an exciting step forward for our firm and another way we're working to serve individuals, families, and business owners throughout Western New York.

Learn more:

Proactive, year-round tax planning and preparation from a team that understands your full financial picture.

05/25/2026

This Memorial Day, we honor the service members who gave their lives for our country and reflect with gratitude on the sacrifices made by them and their families.

05/21/2026

Your business may generate income today.
But is it helping create personal wealth for your future?

Join Angela Hall on June 3 for a webinar on how business owners can use their 401(k) more strategically to reduce taxes, build wealth outside of the business, and create more flexibility for retirement.

Topics include:
✔️ Why your business shouldn’t be your only retirement plan
✔️ Turning business profits into personal, tax-efficient wealth
✔️ Retirement planning strategies to help reduce taxes
✔️ Aligning retirement planning with your succession strategy

Whether you’re building, growing, or thinking about what comes next for your business, this webinar is designed to help you think bigger-picture about retirement planning.

Register: https://us06web.zoom.us/webinar/register/WN_jmuIk6lvTN2qzQXrQ1Ospw #/registration

05/19/2026

Profit sharing can be one of the most overlooked tools for business owners looking to reward employees while staying flexible.

When the business has a strong year, you have the ability to share some of that success by contributing to your employees’ retirement accounts.

And unlike many benefits, profit-sharing contributions aren’t fixed year to year. You can adjust contributions based on profitability and the needs of the business.

It can also become a powerful retention tool through vesting schedules that encourage employees to stay and grow with the company over time.

At its best, profit sharing becomes more than a retirement plan feature. It’s a way to align your team with the long-term success of the business while investing in the people helping to build it.

05/14/2026

We’re excited to welcome Andrew Lemay, CPA, to the Note team as our new Tax & Financial Planning Associate!

Andrew joins us to help deepen our tax planning capabilities while supporting our financial planning team as he works toward becoming a Certified Financial Planner® professional.

We’re excited about the continued growth of our team and firm, and what it means for the families and businesses we serve. Stay tuned — there’s more to come.

Welcome to Note, Andrew!

05/10/2026

Today, we’re celebrating all the moms who give so much of themselves every single day.

Whether you’re a mom to children, grandchildren, pets, or the person everyone turns to for support and guidance, thank you for the care, strength, patience, and love you bring to the people around you.

Happy Mother’s Day! Enjoy a few photos of the amazing moms on our team!

04/23/2026

If you’re a business owner without a retirement plan, chances are you’re relying on an individual IRA.

While that can be a starting point, it may be limiting how much you’re actually able to set aside.

Employer-sponsored plans, like a SIMPLE IRA or 401(k), often allow significantly higher contribution limits. For business owners with strong income years, that difference can meaningfully impact both long-term savings and current tax exposure.

Retirement plans aren’t just an employee benefit. They’re a strategic planning tool for the owner, too.

If you’re unsure whether your current setup is maximizing your options, it may be time to take a closer look.

04/17/2026

In this short video, our Wealth Coach, Christine Mathieu, shares something that often surprises people when they first begin working with her.

How much someone has or how much they earn does not always explain how they feel about money. In many cases, the emotional relationship people have with money tells a much more important story.

This perspective is one of the reasons wealth coaching has become such a valuable part of the planning process. When people better understand their relationship with money, financial decisions tend to become clearer and more intentional.

Real planning is not just about numbers. It is about understanding the narratives people carry and helping them make decisions from a place of clarity rather than guilt or fear.

04/07/2026

In practice, retirement is rarely about simply leaving a job and doing nothing.

For most people, it is a transition into something else, whether that is starting a small business they have always talked about, spending more time volunteering, or finally leaning into interests that were pushed aside during their career.

What we often hear, though, is “I’ll just work until 65... what else would I do?”
And when someone says that, it is usually not about ambition; it is about uncertainty.

Even if the numbers work, there can still be hesitation underneath. For us, it’s important not to brush past that moment. We pause, acknowledge that anxiety, and help you think through what this next phase could actually look like.

Retirement is not the end of something. It is the design of what comes next.