Continuum Wealth Advisors

David Rath, CFA, CMT, serves as Partner and Chief Investment Officer, overseeing portfolio construction and risk management. CEO Timothy M. Smith and Director of Financial Planning Patrick Kalish, CFP, collaborate on client-level implementation. The firm's website emphasizes active protection during market downturns rather than passive indexing, a posture driven by Rath's technical analysis charter.

Tax preparation is integrated through Sarah Dorsey, CPA, the firm's Managing Member for tax services, and her team of staff accountants. Unlike most RIAs that refer clients to external CPAs, Continuum houses both disciplines within the same entity, enabling concurrent portfolio-decumulation and tax-filing decisions. This structure targets retirees with concentrated equity positions and required minimum distributions.

The firm's physical office is in Saratoga Springs, New York, and all marketing and seminar activity is directed at pre-retirees and retirees in the surrounding Capital Region. It does not list additional offices, and its online lead funnel does not signal a national virtual-advisory capability. Regional concentration appears intentional.

The firm publicly states it does not follow a passive buy-and-hold formula, instead claiming proactive portfolio protection during market declines. Its CIO holds the Chartered Market Technician designation, indicating technical-analysis inputs to risk positioning. The website emphasizes drawdown mitigation and income continuity over relative benchmark performance.

Yes. The firm describes itself as a fee-based fiduciary advisor, and its CCO, Jennifer L. Henry, holds the Chartered Retirement Plans Specialist designation. The fee-based label suggests a mix of advisory fees and commission-eligible insurance or annuity products, common among retail RIAs targeting retirement-income mandates.

Lead generation relies on a 'Free Tax Webinar Access' funnel and a 'See If We're a Fit' introductory-call link, both prominent across the website. The firm also markets local media appearances. There is no evidence of a dedicated institutional or intermediary sales channel.

No. The firm does not publish an AUM figure on its website, ADV filings are not cited, and no external publication reports a number. The practice profile is consistent with a boutique RIA serving individual retiree households rather than reporting institutional scale.