Business Details
50+ Years
experience
Your Trusted Financial Advisers in Amherst, NY
Mollot & Hardy is a fiduciary financial planning firm established in 1970, dedicated to helping clients achieve long-term financial success. Our team of wealth advisors brings over 140 years of combined experience in wealth management, tax strategies, life insurance, and estate planning. We utilize a data-driven investment approach grounded in Nobel Prize-winning research to create personalized financial plans tailored to individual goals. Our client-centered philosophy emphasizes transparency, ethical practices, and ongoing portfolio management through market cycles. We maintain a 98% client retention rate through our commitment to simplifying financial lives and prioritizing client interests above all else. Our services include retirement planning, wealth protection, charitable giving strategies, and business succession planning.We operate under a fiduciary standard, ensuring all recommendations align with clients' best interests. Our partnership with Buckingham Strategic Partners provides access to world-class investment expertise, including Nobel laureate Dr. Harry Markowitz's research. We serve clients across 13 states with a focus on Arizona, California, Florida, and New York. Our fee-based compensation structure ensures alignment with client success while maintaining full cost transparency. We emphasize evidence-based investing rather than market timing, focusing on long-term financial goals rather than short-term market fluctuations.
Services
Retirement Planning
Financial Planning
Investment Management
Wealth Protection
Estate Planning
Details
- Year established: 1970
Highlights and features
- We have over 53 years of experience in fiduciary financial planning
- Our advisors possess 140+ combined years of wealth management expertise
- We operate under strict fiduciary standards with full fee transparency
- Our investment approach is based on Nobel Prize-winning research
- We maintain a 98% client retention rate through personalized service
Associations and certifications
- Better Business Bureau Torch Award for Ethics
Services
Retirement Planning
Our comprehensive retirement planning service creates personalized strategies for post-retirement financial security. We develop income plans, optimize Social Security benefits, and implement tax-efficient investment approaches. With expertise in 401(k) plans, profit sharing, and defined benefit structures, we help clients build secure retirement futures through diversified investment portfolios and regular portfolio rebalancing.
Estate Planning
We specialize in creating effective estate plans that ensure proper wealth distribution while minimizing tax burdens. Our services include wills, trusts, and legacy planning strategies that protect family assets and reduce potential conflicts. We help clients establish charitable giving frameworks and implement legal structures to preserve wealth across generations through proper documentation and ongoing plan updates.
Investment Management
Our evidence-based investment approach combines Nobel Prize-winning research with practical implementation. We create diversified portfolios aligned with client goals, using systematic rebalancing strategies to maintain appropriate risk levels. Our partnership with Buckingham Strategic Partners provides access to world-class investment expertise while maintaining personalized client oversight through regular performance reviews and adjustments.
Financial Planning
We develop comprehensive financial plans addressing life transitions, educational funding, and business succession. Our process includes cash flow analysis, risk assessment, and tax optimization strategies. We help clients define financial goals through personalized discovery sessions and implement actionable plans that evolve with changing life circumstances and market conditions.
Wealth Protection
Our wealth protection services safeguard assets against catastrophic losses through comprehensive risk assessment. We implement insurance strategies for life, disability, and long-term care while developing contingency plans for identity fraud and business succession. Our approach focuses on preserving wealth through proactive risk mitigation rather than reactive solutions.
People
Alan R. Mollot
Founder
Founder of Mollot & Hardy since 1970, Alan Mollot holds CLU and CFP designations. With over five decades of experience in financial planning, he established the firm's fiduciary standards and client-centered approach that continues to guide our practice today.
Sanford Seide
Wealth Advisor
CLU designation holder with extensive experience in wealth management. Sanford Seide works closely with clients to develop personalized financial strategies, focusing on retirement planning and estate preservation while maintaining the firm's commitment to fiduciary excellence.
Questions
Why work with a fiduciary planner?
As fiduciaries, we legally prioritize your interests above our own, even when it reduces our compensation. This ensures unbiased advice focused solely on your financial success.
What are your fees?
Initial consultations and financial plan presentations are free. All fees are transparently discussed before any investment decisions. We use a tiered asset-based fee structure.
What differentiates your firm?
Our 140+ years of combined experience, evidence-based investing approach, and commitment to fiduciary standards set us apart. We focus on long-term relationships rather than product sales.
What services do you offer?
We provide comprehensive financial planning including retirement strategies, estate planning, tax optimization, investment management, and charitable giving solutions.
How do you approach investing?
We use evidence-based investing grounded in academic research. Our disciplined approach focuses on long-term goals rather than market timing or speculative trends.
