Dennis D. Coughlin, CFP^®, AIF^®

Co-Founder & Financial Advisor in New Hartford, NY

A financial advisor helping individuals and business owners across the Mohawk Valley plan for retirement readiness, wealth preservation, and a lasting legacy with one clear written plan.

Schedule a Consultation ☎ (315) 765-6032

Since 1996Advising clients in the Mohawk Valley

CFP^® · AIF^®CERTIFIED FINANCIAL PLANNER^® Professional and Accredited Investment Fiduciary^®

CommonwealthSecurities and advisory services through Commonwealth Financial Network^®

LocalBased on Genesee Street in New Hartford, NY

Meet Dennis

Since 1996, Dennis D. Coughlin has helped individuals and business owners navigate financial planning with a focus on retirement readiness, wealth preservation, and financial security.

A CERTIFIED FINANCIAL PLANNER^® professional and an Accredited Investment Fiduciary^® (AIF^®), Dennis blends technical expertise with a personal commitment to helping clients reach clarity and confidence. His strategies span retirement income planning, investment management, tax efficiency, and estate planning, tailored to each client’s needs.

A frequent educator and speaker at schools, colleges, and private companies, Dennis has had his insights featured in publications including CNBC.com, Kiplinger, OnWallStreet, and FinancialPlanning.com. He earned his degree in Finance from the State University of New York and holds a Wharton Retirement Program certificate from the Wharton School of Finance at the University of Pennsylvania, and has taken part in advanced discussions on behavioral finance and modern portfolio theory at the Harvard Faculty Club.

Dennis is deeply committed to his family and community. He takes pride in his daughter Alexandria, completing her Nurse Practitioner degree, and his son Jacob, pursuing a career in financial planning. He and his wife, Jennifer, are traveling to all 50 states, and away from the office he is an avid outdoorsman who enjoys golfing, fishing, and biking.

Services Dennis Provides

Comprehensive guidance across the areas that shape your finances, delivered as one connected plan for clients in New Hartford, Utica, and the surrounding Mohawk Valley.

Financial Planning

A customized strategy that charts a clear course from where your finances are today to the goals you want to reach.

Investment Management

Portfolios built and monitored around your goals, time horizon, and comfort with risk, then rebalanced as markets move.

Retirement Planning

A roadmap to and through retirement, coordinating savings, Social Security timing, and a sustainable income strategy.

Tax Reduction Strategy

Planning designed to help minimize what you owe over time through tax-aware account and withdrawal decisions.

Estate Planning

Strategies to help protect your legacy and provide for the people and causes that matter most to you.

Risk Management

A clear view of your risk profile and potential vulnerabilities, with protection strategies to help safeguard your wealth.

Areas Dennis Serves

Dennis works with clients from the CG Capital office at 139 Genesee Street in New Hartford, NY, serving families and business owners across the Mohawk Valley and Central New York, and by virtual meeting for clients who prefer to plan remotely.

New Hartford, NY

Home to our office on Genesee Street and the base for every plan we build.

Utica, NY

Coordinated planning for families and professionals across the greater Utica area.

Whitesboro, NY

Retirement and investment guidance for households throughout the village and beyond.

Clinton, NY

Financial planning for professionals, educators, and retirees in the Clinton area.

Rome, NY

Support for working families and business owners planning their next chapter.

Marcy, NY

Long-term planning for growing families and those nearing retirement.

Frankfort, NY

Local guidance rooted in the Herkimer and Oneida County communities.

Mohawk Valley

Comprehensive advice for clients across the wider Mohawk Valley region.

Central New York

Virtual and in-person planning for clients throughout Central New York.

Let's Build Your Plan Together

Partner with Dennis Coughlin, a local New Hartford advisor, and take the first step toward pursuing your goals with a clear, coordinated plan.

Schedule a Consultation ☎ (315) 765-6032

Frequently Asked Questions

Answers about planning for retirement with Dennis Coughlin, a financial advisor in New Hartford serving the greater Utica area.

What does Dennis Coughlin focus on as an advisor?

Dennis focuses on retirement readiness and wealth preservation for individuals and business owners. His work centers on retirement income planning, investment management, tax efficiency, and estate planning, brought together into one strategy so the pieces support each other as you move toward and through retirement.

Why does working with a fiduciary matter as I near retirement?

As you approach retirement the decisions get harder to reverse, so it helps to work with someone whose advice is held to a fiduciary standard of care. Dennis is an Accredited Investment Fiduciary (AIF^®), which means his advisory recommendations are designed to serve your best interest. Securities and advisory services are offered through Commonwealth Financial Network, a Registered Investment Adviser and Member FINRA/SIPC.

What training does Dennis Coughlin have in retirement planning?

Dennis earned his degree in Finance from the State University of New York and holds a Wharton Retirement Program certificate from the Wharton School of Finance at the University of Pennsylvania. He is a CERTIFIED FINANCIAL PLANNER^® professional and an Accredited Investment Fiduciary (AIF^®), and he has been advising clients since 1996.

Does Dennis Coughlin only work with people who are already retired?

No. While many of his clients are retirees and pre-retirees, Dennis also works with individuals and business owners who are still years from retirement and want to build toward it with a clear plan. You do not need a large portfolio to begin, and starting earlier gives a strategy more time to work in your favor.

Can Dennis Coughlin help coordinate taxes and estate planning with my investments?

Yes. Rather than treating investments in one place and taxes or estate planning in another, Dennis coordinates them as one strategy. That means tax-aware decisions about your accounts and withdrawals alongside estate planning that reflects how you want to provide for the people and causes that matter to you.

How do I get started with Dennis Coughlin?

Start with a complimentary conversation. Call the CG Capital office at (315) 765-6032 or use the contact form on this website to reach Dennis at 139 Genesee Street in New Hartford, NY. The first meeting is a chance to talk through your goals and see whether working together is the right fit, with no cost and no obligation.

Dennis D. Coughlin, CFP®, AIF®