Welcome to Clover Leaf Financial, LLC 

New York Financial Planners & Investment Advisors

 

Clover Leaf Financial, LLC., is a New York and Florida based wealth management and investment advisory company for individuals, retirees, trustees, businesses, and families. Our strategies aim to help you to grow, preserve, and manage finances for a bright and more secure future.

We work closely with our clients to understand their unique needs and set their goals in a secure and confidential environment.

We have more than 30 years of experience in the financial services industry including retirement planning, insurances, income protection, education planning, wealth management, estate planning, tax mitigation strategies, and more. Our advisory team members are specialists in effective investment strategies to manage your financial needs and manage the desired results.

We have a location in Fairport, New York servicing surrounding areas such as Rochester, Victor, Fishers, Penfield, Pittsford, Mendon, Webster, Henrietta, Brighton, Perinton, Irondequoit, Rush, Walworth, Macedon, Williamson, Marion, Palmyra, Farmington, Bloomfield, East Bloomfield, West Bloomfield, Canandaigua, Manchester, Clifton Springs, Shortsville, Lima, Honeoye Falls, Ontario, NY and more.

We also have a new location in Dade City, Florida servicing surrounding areas such as Tampa, Zephyrhills, St Leo, Spring Hill, Wesely Chapel, Lakeland, Plant City, and more.

If you have any questions about managing your finances, retirement plans, wealth management, insurance and more, please call us at 585-899-3940 or submit an online form to our contact page.

 

Our Services

 

Insurance

Clover Leaf Financial, LLC. is a trustworthy insurance and financial agencies in New York. We deal with all insurance needs and ensure appropriate protection for your business and family. If you would like to discuss long term care, disability or any life insurance, please contact the Clover Financial, LLC. team today.

 

Asset Allocation

Our asset planning and advising team helps you with risk tolerance and suitable asset allocation decisions. We work with our clients to review their investment objectives and customize the allocation according to the needs. If you feel that you need help, please contact our team today.

*Asset allocation, which is driven by complex mathematical models, should not be confused with the much simpler concept of diversification. Asset allocation does not ensure a profit or protect against a loss. 

 

 

Wealth Management

No matter which situation life presents you with, we listen to your worries, take the time to understand and pursue exceptional results for a safe future. If you are serious about your financial freedom and wealth management in Rochester, New York and the surrounding areas, please contact us today.

 

Retirement Planning

If you are planning your retirement, then we can advise on objective strategies aiming to help maximize your income and capital status. Our goal is to help you grow and secure your wealth through our comprehensive financial consulting services. Contact us today to see what we can do for you.

 

Financial Planning

We’re experienced in advising and managing your finances including retirement planning, investment advice, income protection insurance, asset preservation, estate planning, tax minimization and more.  Book your initial consultation with one of our financial planning advisors today.

A comprehensive financial plan incorporates four cornerstones for financial success.

  1. Cash Management

    We look at your overall financial picture to see where you are starting. We assess your cash reserve levels and develop strategies for building them up to appropriate levels, if necessary. We take into consideration potential emergencies, your income and expenses and outstanding debt, with a focus on maintaining adequate cash flow.

  2. Generational Wealth

    We put plans in place to help mitigate taxes and protect the assets you’ve worked hard to attain. Transferring properties, businesses and other assets can be complicated.  We offer experienced, qualified support, enabling you to navigate the complexities of succession and estate laws without suffering financial losses that can be avoided with proper care and attention.

  3. Investments and Financial Planning

    As part of our process, we’ll work to identify any gaps between where you are now and where you’ll need to be as you get closer to retirement, and we’ll set up plans to close those gaps. Using sound investment strategies, we organize your investments appropriately for long-term growth.  Once you’re ready for retirement, we’ll adjust your approach according to your circumstances at that time.

  4. Wealth Protection

    Protecting your assets ties in closely to protecting those you love the most, whether you’re considering a transfer of property or business, or you’ve experienced a loss due to death or accident. Losing a loved one or experiencing other devastating losses brings turmoil, no matter what the financial consequences are. Having financial protections in place minimizes the long-term financial and emotional effects when disasters occur. Planning for the unexpected is an essential component in a sound comprehensive financial plan.

We get to know your needs and work towards customized decisions based on research and relationships, not generic predictions or general knowledge. Just tell us where you want to go – if you’re not sure, we’ll help you figure it out – and we’ll strive to get you there.

The first step is for you to gain a better understanding of your own financial situation and we want to help!

Download our complimentary financial planning worksheet using the button below to get started! 
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The first step in developing your financial plan is to meet with an advisor. Contact us to set up a no obligation complimentary consultation.
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This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor.