Canty Financial Management is an independent, family-owned, SEC-registered investment advisory firm with more than 39 years of experience helping individuals and families make confident long-term financial decisions.
We serve over 200 families and manage more than $250 million in client assets, with offices in Ballston Spa, New York and Naples, Florida.
We operate as a fee-only fiduciary firm with multi-generation, owner-led advisory relationships. Our firm is intentionally structured for continuity, accountability, and long-term alignment — not volume, sales targets, or short-term incentives.
Canty Financial Management was founded in the late 1980s by Bill Canty, while working at the New York State Office of the Comptroller.
Early in his career, Bill saw a consistent pattern:
investment decisions made without understanding tax consequences, and tax decisions made without understanding portfolio impact.
The result wasn’t dramatic failure — it was quiet erosion. That quiet erosion — driven by taxes, misaligned decisions, and reactive behavior — is where most long-term wealth is actually lost.
Rather than accept a fragmented model where advice lived in silos, he built a firm around coordination — where investment strategy, financial planning, and tax decisions are evaluated as parts of a single system.
That philosophy still defines how we operate today.
Our clients often come to us during periods of transition — moments when decisions carry outsized consequences and small mistakes compound quietly over time.
These moments often include:
Retirement income and distribution planning
Inheritances and beneficiary decisions
Career changes or liquidity events
Business exits
In many of these situations, investors already have multiple professionals involved — an advisor, a tax preparer, sometimes an attorney. But no one is coordinating the decisions.
That leaves clients acting as the intermediary — trying to remember what their advisor said to tell their tax professional, and what their tax professional said to tell their advisor. Important details get missed. Tradeoffs aren’t fully visible. Decisions happen in isolation.
Our role is to remove that burden.
We act as a single point of accountability — coordinating investment management, financial planning, and tax strategy so decisions are made in context, not in pieces.
During these moments, clarity matters more than complexity. Our process is designed to slow decisions down, project outcomes, and ensure choices are made with intention rather than urgency.
Canty Financial Management is an independent, fee-only fiduciary firm.
We do not sell financial products
We do not receive commissions
We are not affiliated with fund companies or broker-dealers
Our advice is objective, transparent, and aligned solely with our clients’ interests.
This structure also means we are selective.
Long-term success requires alignment — and we are comfortable saying no when that alignment isn’t present.
We work best with clients who:
Value long-term planning over short-term performance
Appreciate disciplined, evidence-based investing
Want investment decisions coordinated with tax strategy
Prefer a thoughtful process over constant activity
We are not a fit for investors seeking speculation, frequent tactical moves, or one-off advice.
Canty Financial Management is led by Bill Canty, CPA, CFP®, and his sons, Ed Canty, CFP®, and Joe Canty, CFP®, ensuring shared ownership, continuity, and accountability across generations.
Clients work directly with advisors who are owners of the firm — aligning long-term advice with long-term responsibility.
Our advisory team also includes experienced tax professionals who work directly with clients to integrate tax preparation and planning into the broader wealth management process.
Not every advisory firm is right for every client.
The right fit matters.
If you’re looking for a long-term partner to help coordinate your financial life, reduce complexity, and bring structure to important decisions, we invite you to start with a conversation.
