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SENIOR Financial And Realty Assoc.
SENIOR Financial And Realty Assoc. was established in Orchard Park, New York, in 1990, though founder Keith Maderer has practiced as a financial professional...
SENIOR Financial And Realty Assoc.
SENIOR Financial And Realty Assoc. was established in Orchard Park, New York, in 1990, though founder Keith Maderer has practiced as a financial professional since 1981. The firm operates as a family-staffed wealth manager: Maderer leads client relationships alongside financial professional Chelsea Makowski, a 2020 CFP® designee, while Lori Maderer serves as office manager, accountant, and income tax advisor. The firm advises individuals, trusts, estates, charitable organizations, and corporations. Its wealth-management footprint is concentrated in New York State, with no disclosed offices beyond Orchard Park. Investment advice is delivered through a three-step process that begins with a discovery consultation, proceeds to a detailed action plan, and culminates in ongoing portfolio coordination aligned with each client's risk tolerance and retirement goals. The firm integrates income tax planning and estate-and-legacy design into its advisory package, a direct in-house bundling that most independent RIAs outsource. While the firm does not publish an AUM figure or name specific portfolio holdings, its marketing emphasizes retirement income, tax minimization, and multi-generational wealth transfer — a posture consistent with a book of mass-affluent and high-net-worth households in Erie County, New York. The firm states it has helped "hundreds of clients" since 1981, though it does not disclose total professionals, assets under advisement, or capital deployed. The advisory team of three operates from a single location. No adjacent vehicles — such as a philanthropic foundation, real-asset arm, or peer-advisory club membership — are disclosed. No dated operational event from the last 24 months was publicly verifiable through the firm's own website or available sources. SENIOR Financial and Realty Assoc.'s structural differentiator is its embedded tax-preparation function, which situates compliance and strategy under the same roof as portfolio management. For a three-person shop in a suburban market, that vertical integration is operationally distinct, placing tax consequences at the center of every portfolio discussion rather than treating them as an afterthought handled by an outside CPA.
General information
Firm type
Bank / Wealth / Trust
Year founded
1990
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Orchard Park
Corporate office
Orchard Park, NY, United States
Principals
Keith Maderer
Founder, Financial Professional
Chelsea Makowski, CFP®
Financial Professional
Lori Maderer
Office Manager, Accountant, Income Tax Advisor
Sector focus
Frequently asked questions
Who runs investment decisions at SENIOR Financial And Realty Assoc.?
Founder Keith Maderer leads the practice, with Chelsea Makowski, CFP®, serving as the other financial professional. The firm operates as a small family-staffed office: Lori Maderer handles office management, accounting, and income tax preparation. Investment decisions appear to flow through this compact team, though the firm does not publicly delineate an investment committee or CIO role.
How is the firm's tax-preparation function integrated with its advisory work?
Unusually for a practice of this size, income tax planning and preparation sit inside the advisory firm itself rather than being referred to an external CPA. Lori Maderer serves as both the office manager and the designated income tax advisor. That structure means portfolio decisions and tax outcomes can be coordinated in real time during the planning process, a bundled model more common in larger multi-family offices than in three-person independent shops.
What client types does the firm serve?
According to the firm, it advises individuals, trusts, estates, charitable organizations, and corporations. Its marketing copy focuses on retirees and pre-retirees seeking clarity on retirement income, legacy planning, and tax efficiency, which suggests a base of mass-affluent and high-net-worth households largely concentrated in Western New York.
Does the firm disclose its assets under management?
No. SENIOR Financial And Realty Assoc. does not publish an AUM figure, nor does it disclose total assets under advisement. Without a publicly filed Form ADV Part 2 or an audited financial statement, the scale of the advisory book remains private.
What investment vehicles or strategies does the firm use?
The firm describes its approach as coordinating client investments to match their risk tolerance and goals. It does not name specific funds, asset managers, or proprietary vehicles. The language on its website points to a traditional, goals-based advisory framework — retirement income, legacy design, and tax planning — rather than any specialized direct-deal, alternative-asset, or fund-of-funds program.
Profile maintained by Altss using OSINT (open-source intelligence), regulatory filings, licensed data partners, and verified direct submissions. Read the methodology. Last updated: . Continuous refresh with full update cycles at least every 30 days.
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