Celebrating Three Decades of Trust
For 30 years, The Terzolo Financial Group has guided families and businesses across Central New York through every market cycle, life stage, and financial milestone. Our commitment to independent, fiduciary advice has never wavered.
Our 30-Year JourneyA Firm Built on
Experience and Alignment
The Terzolo Financial Group began in 1996 when Ed Terzolo started a small accounting firm from his dining room table. What started as a one-person practice has grown into a comprehensive financial planning firm serving hundreds of families and businesses across Central New York.
When Shelly joined the firm in 2002, together they developed a successful wealth management practice, combining deep tax expertise with personalized financial planning. Today, The Terzolo Financial Group manages over $50 million in client assets.
As an independent, fiduciary firm, we answer to no one but our clients. Every recommendation, every strategy, every decision is made with one question in mind: is this in the client's best interest?
Our ApproachExpertise Across Life Stages
We tailor our approach based on your unique financial situation, goals, and where you are in life.
Individuals & Families
From newlyweds building their first savings plan to retirees managing distributions, we meet you where you are.
Medical Professionals
We understand the unique financial complexities of healthcare — student debt, practice overhead, deferred compensation, and malpractice coverage.
Educators
Teachers face unique retirement systems and benefits. We help you navigate TRS, 403(b) plans, and pension optimization.
Small Business Owners
Full-spectrum business financial services including succession planning, exit strategies, payroll tax, and business entity structuring.
Testimonials represent clients’ subjective experiences and are not indicative of any client’s future experience. Past results do not guarantee future performance. Individual results vary based on client circumstances, assets, and market conditions. Clients were not compensated for their testimonials.
What Our Clients Say
We measure our success by the confidence and peace of mind our clients feel about their financial future.
Ed and Shelly have been managing our finances for over 15 years. They treat us like family and have guided us through every major financial decision.
As fiduciaries, we are legally and ethically obligated to act in your best interest at all times. Our recommendations are based solely on what's best for you — not what generates the highest fee for us.
There's no minimum investment required. We serve clients at all stages — from young professionals to retirees managing complex portfolios. Your first consultation is always complimentary.
Yes. We integrate tax planning directly into your financial strategy. This holistic approach ensures your investments, retirement plan, and estate plan are all tax-optimized.
ATS is our time-segmented approach to retirement income. We allocate funds across Fixed Income, Balanced Assets, and Long-Term Growth so you never have to sell investments at a loss to fund retirement.
Most clients meet at least twice per year for formal reviews. We're available year-round for questions, life changes, or market concerns. You can call us anytime.
Our office is in Camillus, NY. We serve clients throughout Central New York and prepare tax returns for clients in all 50 states. Virtual appointments are available.