Chuisano and Albert, L.L.C.

The firm provides customized financial planning and investment advisory services to individual clients and families, advising on assets, liabilities, insurance, savings, taxes, retirement, employer-sponsored benefits and Social Security. It manages roughly $15 million across 37 client relationships and offers portfolio management alongside standalone or hourly financial planning engagements.

Portfolios are tailored from client interviews to reflect goals and risk tolerance and are typically constructed with mutual funds and a smaller allocation to individual stocks, emphasizing proper asset allocation rather than market timing and reviewed at least quarterly. The firm unusually manages all accounts on a non-discretionary basis—requiring client approval before trades are executed—and recommends low-cost custodians such as Fidelity and Vanguard while offering more frequent reporting for larger or new accounts.

The adviser operates on a fee-only basis and does not accept third-party compensation, combining ongoing investment oversight with broader financial-planning services and referrals for tax or estate work when appropriate. The firm does not take custody of client assets; custody remains with clients’ brokerage firms and the adviser provides periodic performance reporting and implementation assistance.