Cristina Guglielmetti


Future Perfect Planning


I can work with clients anywhere!

Cristina Guglielmetti


Future Perfect Planning


As a fee-only financial planner, I create holistic, forward-thinking financial plans for young and mid-career professionals that balance their current needs and future goals, and serve as a framework for future decisions. - Cristina Guglielmetti, CFP®

Fee-Only Financial Planner located in Brooklyn, NY and serving clients nationwide

Cristina Guglielmetti is a Brooklyn, NY fee-only financial planner. Future Perfect Planning provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Cristina Guglielmetti is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Cristina Guglielmetti is the owner of Future Perfect Planning located in Brooklyn, NY.

I’ve been involved in the financial services industry since 1997, and performing investment management and financial planning specifically since 2005. I earned the CFP ® designation in 2010, and have been helping clients manage their financial lives ever since.

I started Future Perfect Planning in 2015 to deliver flexible, independent financial planning to everyone, in the belief that reliable, sound financial advice is something everyone needs. Aggressive sales tactics, high minimums, and confusing fees have created the impression that there’s no one looking out for the next generation of investors and clients, so it’s time to change all that. I provide flexible, straightforward advice in a structure that fits your life and establishes a partnership to last for years to come.

I’m committed to showing young professionals how a partnership with an advisor can work for them, and how they have the tools and capability to take control of their finances. My aim is to educate, not just give advice or recommendations. Today‘s new graduates and young professionals are facing a very different financial landscape from their parents – much higher student loan debt, a nonstop stream of financial news, the memory of a crisis many families haven’t quite bounced back from – and so need a different kind of advisor.

Financial planning is sometimes thought of as something you have to do yourself – because advisors are “only for the rich” – or conversely, something you give up control over because it’s so complicated you can’t possibly understand it. But I think there’s a better way – developing a relationship with someone committed to being your steward and coach as your financial life unfolds.

Cristina Guglielmetti is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Why is it important to work with a fee-only planner?

Financial advisors can be compensated in lots of different ways, and while it all seems similar, it makes a big difference in how the client-advisor relationship works:

Fee-only: the advisor earns her fee from the client only, either from hourly project-based fees, retainer fees or investment management fees (usually a percentage of the assets managed). No compensation is earned by selling any products, so the advisor has no incentive to recommend anything that doesn’t best fit the clients’ situation.

Fee-based/commission based: the advisor can earn fees as above, but are also allowed to earn commissions on selling products. This could potentially lead to a conflict of interest: is the advisor truly recommending the best course of action? Or is the potential for increased compensation muddying the water?

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Growing Families
  • Employees with equity compensation
  • Self-employed individuals
  • Sudden Money Situations
  • Near Retirees
  • Novice Investors

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    Cristina Guglielmetti is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    Cristina Guglielmetti is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • XY Planning Network
    Cristina Guglielmetti is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact Cristina Guglielmetti

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Office Locations:

  • 564 72nd St
    Brooklyn, NY 11209

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