# Ithaca Wealth

> Ithaca Wealth is an independent, fee-only, fiduciary wealth-management and financial-planning practice in Ithaca, NY, founded by Matthew Fox, CMT®, MBA. It serves professionals and families across the Finger Lakes with comprehensive planning first and low-cost, transparent investing second. No commissions, no minimums, an advisory fee that starts at 0.85% and falls with both account size (to 0.45% above $5M) and loyalty (0.80% at your 2-year anniversary, 0.75% at your 5-year) — you always pay whichever is lower, and a portfolio of roughly 35 directly-held companies clients can actually understand.

Key facts:
- Fee-only Registered Investment Adviser (RIA); fiduciary at all times; never paid commissions
- Founder: Matthew Fox, CMT®, MBA — also teaches portfolio management at Ithaca College
- Office: 415 N. Tioga St, Suite 202, Ithaca, NY 14850 · (607) 882-1434 · mfox@ithacawealth.com
- Services: comprehensive financial planning, retirement & income planning, year-round tax planning, family & education planning, protection & estate review, investment management
- First step is a relaxed, 20-minute conversation — no pressure, no pitch

## Pages

- [Home](https://ithacawealth.com/): what the practice does and how it works
- [About](https://ithacawealth.com/about): the founder, credentials, and the philosophy behind the practice
- [Matthew Fox](https://ithacawealth.com/author/matthew-fox): author page — bio, CMT® and MBA credentials, Ithaca College faculty role, contact
- [Retirement planning in Ithaca](https://ithacawealth.com/retirement-planning-ithaca): Social Security timing, New York's retirement tax breaks, withdrawal order, and the healthcare bridge before 65
- [Services & Fees](https://ithacawealth.com/services): what's included and the flat, fully-disclosed fee
- [Success Stories](https://ithacawealth.com/success-stories): representative situations the practice helps with
- [Contact](https://ithacawealth.com/contact): book a conversation, office details
- [For Corning Incorporated employees](https://ithacawealth.com/corning): 401(k), pension, and equity guidance specific to Corning
- [For inheritors](https://ithacawealth.com/inheritance): guidance after receiving an inheritance or windfall
- [Cayuga Medical Center pension](https://ithacawealth.com/cmc-pension): lump sum vs. annuity analysis for CMC employees

## Insights

- [Insights hub](https://ithacawealth.com/insights): the full archive of articles on markets, money, and staying the course, written by Matthew Fox since 2020. Each article lives at https://ithacawealth.com/insights/{slug} and is listed in the sitemap.