Financial guidance built around your family or business.
When you plan with Melissa LeMay, decisions get made through education, not pressure. Every family's goals are different, and each one deserves a strategy built for them, not a plan pulled off the shelf.
The best plans I've built started with a single honest conversation — not a pitch, not a form.
Education, not pressure
You'll never be asked to make a decision you don't fully understand — whether we're talking about your household or your business.
Personalized strategy
Your family and your business aren't templates. Neither is the plan we build around your goals, timeline, and priorities.
Families and business owners
The same education-first approach for the people at your kitchen table and the people on your payroll.
Built for owners
Key person, buy-sell, and succession-focused protection so what you've built stays intact for the people who depend on it.
Long-term relationships
Planning isn't a one-time meeting. It's an ongoing conversation as your family or business evolves.
Straightforward guidance
No confusing terms, no hidden pressure — just clear options and honest answers.
Local roots, wider reach
Offices in Saratoga and Montgomery County. Licensed in NY, MA, FL, VT, VA and more, so we can stay with you as life moves.
Independent
Not tied to any single carrier — options come from a wide range of providers and are chosen to fit you.
Working directly with Melissa, wherever life takes you.
Every family and every business owner works directly with Melissa. Not a call center, not a rotating team — the same person from the first conversation through every review.
Offices in Saratoga and Montgomery County ground the practice locally, and licenses in NY, MA, FL, VT, VA and beyond allow clients to stay with Melissa as jobs change, kids grow up, or businesses expand.
A neighbor you can call, not a portal you have to log into.
Working with an independent advisor means real conversations with the person who is actually responsible for your plan. You'll know Melissa by name, and she'll know your family the same way.
Independent — so the advice is truly yours.
I'm an independent advisor. I work for my clients — not for any single insurance or financial company.
That independence matters. It means I can bring you options from a wide range of carriers and providers, and put together a plan that genuinely fits your situation — instead of being limited to one company's shelf.
The result is straightforward: recommendations built around what's right for your family, not what any one company happens to sell.