Your CPA files the taxes. Your attorney drafts the documents. Your accounts sit at different firms. Each does good work, and nobody owns how it all fits together. Morrowgate was built to own exactly that, for business owners, families and individuals in Rochester and Western New York.
What we believe
So the first question is never about returns. It’s what your wealth is for: a full life now, giving with intent, or carrying your family for generations. Most people want some of all three and have never said how much of each. We make that the first conversation, and everything else is built around the answer.
A tax decision is an investment decision is an estate decision. Made in separate rooms, the family pays for the gaps. Morrowgate keeps every account, policy and document on one family balance sheet, and runs the agenda when your CPA and attorney need to be in the same room.
Shares given to family or charity have to move before a deal is all but certain. Roth conversions belong in the low-income years. Miss the window and the option is simply gone. We work a year ahead, not a quarter behind.
Every recommendation comes with the reasoning, the trade-off and the cost, in plain English. You should be able to explain your own plan to your children. If it isn’t that clear yet, it isn’t ready.
If the business won’t fund the retirement you’re picturing, you hear it now, not after closing. If Morrowgate isn’t the right place to start, we tell you that too.
Where Morrowgate fits
Morrowgate sits in the middle and runs the agenda. We lead the planning and work out what each option means for you personally. The broader team at Regal supports the advisory work. Your CPA, attorney, valuation professional and deal team keep responsibility for their own advice. The difference is that everyone works from the same numbers.
Leads the relationship. Keeps the family balance sheet current, sets the agenda for joint meetings with your CPA and attorney, tests every option against what your wealth is for, and keeps things moving.
Supports the advisory platform, investment work, and broader wealth-management relationship.
Own the tax, legal, valuation, accounting and transaction calls that belong to them.
What working with Morrowgate looks like
Every account, property, policy and the business on one page, with consolidated reporting and a client portal. Accounts are held primarily at Fidelity, with Schwab available.
Tax planning is done with your CPA, and estate documents are coordinated with your attorney. When a decision needs all of you, we set the agenda so nobody works from stale numbers.
You leave knowing what happens now, what can wait, and whether the next question belongs with Morrowgate, Regal, your CPA, your attorney or the deal team.
Greg’s story
Greg Garone has spent more than fifteen years helping families and business owners through the money decisions that shape everything after: a sale, a retirement, an inheritance. He started Morrowgate so one person would own the whole picture, with every account, policy and the business on one page, and the CPA and attorney working from the same numbers.
Outside the office, it’s family. Greg coaches baseball and football, and spends a lot of evenings and weekends at his daughters’ cheer and lacrosse.
Coaching and planning have more in common than you’d think: know your people, prepare early, and make sure everyone knows the plan before it counts.
One plan, one point of contact, and written next actions after every meeting.
Plain English, the trade-offs and costs up front, and the truth even when it’s unwelcome.
Business owners, families and individuals across Rochester and Western New York, including those who split the year with Florida.
A sale, retirement, an inheritance, a portfolio that no longer fits. Start with whichever one won’t leave you alone. Every message gets a personal reply by email, usually within one business day.