Fred Costantino
CFP®, AIF®, CPM®, CRPC®
S.E.E.D. Planning Group
Senior Wealth Manager and Chief Investment Officer
Fred Costantino
CFP®, AIF®, CPM®, CRPC®
S.E.E.D. Planning Group
Senior Wealth Manager and Chief Investment Officer
“In the short run, the market is a voting machine but in the long run, it is a weighing machine” -Benjamin Graham - Fred Costantino, CFP®, AIF®, CPM®, CRPC®
Fee-Only financial planner located in Binghamton, NY, serving clients locally and across the country
Fred Costantino is a Binghamton, NY fee-only financial advisor serving clients locally and across the country. S.E.E.D. Planning Group provides comprehensive financial planning, investment management, tax planning, and retirement plans to help individuals, families, business owners, and nonprofits organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Fred Costantino is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Fred Costantino, CFP®, AIF®, CPM®, CRPC® is a Senior Wealth Manager and Chief Investment Officer at S.E.E.D. Planning Group.
As a Partner, Wealth Manager, and Chief Investment Officer, I am committed to helping open our clients' eyes to what is possible and bringing a quality investment experience to the firm’s clients.
My wife Rachel and I reside in Endwell, New York, along with our four younger of five daughters (Kayla, Gia, Lana, Aria, and Mila).
Planning Teams and Specialties
- Advanced planning team
- Estate and philanthropy team
- Specialized investment team
Fred Costantino 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.
We believe you should have access to high-quality financial planning regardless of how much money you have. We are not your traditional financial advisors.
Our goal is to empower you to live your best life and help you achieve your own unique definition of financial success.
We want you to have an awesome experience with real people who genuinely want you to be successful.
We are a fiduciary and we put your best interests first.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Comprehensive Financial Planning
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners and Executives
- Sudden Money Situations
- Novice Investors
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Fred Costantino is a NAPFA-Registered Financial AdvisorThe 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.
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Fred Costantino is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for VerificationCFP® 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.
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Fred Costantino is an Accredited Investment Fiduciary® (AIF)Accredited Investment Fiduciary® (AIF®) training empowers investment professionals with the fiduciary knowledge and tools they need to serve their clients’ best interests. Advisors who have earned the Accredited Investment Fiduciary designation have gone through training, met the qualifications, and passed the exam allowing use of the AIF designation and they are immediately able to demonstrate the added value that they can bring to both existing and prospective clients.
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Fred Costantino is a Chartered Retirement Planning Counselor℠ (Learn More)The Chartered Retirement Planning Counselor℠ or CRPC® designation is a premier retirement planning credential. The CRPC® program covers all aspects of the retirement process in a single comprehensive program with no product or advising biases.
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Fred Costantino is a member of The Financial Planning Association® (FPA®)FPA® is the largest membership organization for CFP® professionals in the U.S. and supports high standards of professional competence, ethical conduct, and clear, complete disclosure when serving clients.
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Fred Costantino Holds the the CPM® Designation: Designation is a collaboration of the Academy of Certified Portfolio Managers and Columbia University. The academic component is designed to provide a deeper understanding of fundamental security analysis, asset allocation, and portfolio management concepts for financial services industry professionals managing discretionary portfolios.
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Fred Costantino is Quoted in the Wall Street Journal: "Advisers Managing $1.1B-Plus Head to Morgan Stanley"
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S.E.E.D. Planning Group is a Member of the Greater Binghamton Chamber of Commerce
Contact Fred Costantino
Office Locations:
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31 Lewis Street
Suite 401
Binghamton, NY 13901 -
100 Elwood Davis Rd
2nd floor
Syracuse, NY 13212 -
2030 Falling Waters Rd
Suite 180
Knoxville, TN 37922
