Sullivan & Associates Wealth Management, LLC

Sullivan & Associates

Clear financial guidance for the life you are building.

Ways To Work With Us

Choose the support that feels right for you.

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Shared coverage and specialist depth

Advisor Team Collaboration

For clients who benefit from a broader bench across retirement planning, business ownership, and estate coordination.

  • • Collaborative case design with specialist input
  • • Defined action plans and implementation checkpoints
  • • Service continuity across teams and offices
Meet the Team

High-touch planning partnership

Dedicated Advisor Relationship

For households seeking integrated wealth planning, recurring meetings, and direct advisor access.

  • • Planning and investment reviews
  • • Coordinated strategy across taxes, risk, and legacy
  • • Priority support during transitions and major decisions
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Single-priority strategic planning

Focused Project Engagement

For families addressing a specific decision window such as retirement timing, liquidity planning, or succession.

  • • Scoped engagement around one immediate objective
  • • Decision framework with practical recommendations
  • • Optional transition into relationship support
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Wells Fargo Advisors Financial Network does not provide legal or tax advice.

Services

Planning and investment services built around your goals.

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Business Owner Planning

Integrated guidance for owners balancing company growth and personal wealth goals.

  • • Owner compensation strategy
  • • Succession and exit planning support
  • • Concentrated position management
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Estate and Legacy Planning Strategies

Planning that helps preserve family values while preparing future generations.

  • • Legacy objective clarification
  • • Trust and estate plan coordination
  • • Intergenerational education planning
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Investment Management

Portfolio construction and oversight tailored to long-term goals and risk tolerance.

  • • Strategic asset allocation
  • • Risk calibration and rebalancing
  • • Tax-aware implementation
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Retirement Planning

A practical roadmap from accumulation through retirement income decisions.

  • • Retirement cash-flow modeling
  • • Social Security and pension coordination
  • • Distribution strategy
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Risk Management

Protecting household and business plans from avoidable setbacks.

  • • Insurance policy review
  • • Contingency reserve planning
  • • Liability and protection coordination
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Wealth Transfer Planning

Thoughtful planning to transfer assets with clarity, efficiency, and family alignment.

  • • Beneficiary and account review
  • • Gifting strategy coordination
  • • Family governance conversations
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Wells Fargo Advisors Financial Network does not provide legal or tax advice. Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

Our Team

Meet the advisors and specialists supporting your plan.

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Headshot of JP Penner

JP Penner

First Vice President, Portfolio and Planning Associate

Rochester, NY

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Headshot of Patrick Sullivan, CFP®

Patrick Sullivan, CFP®

Vice President

Rochester, NY

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Planning For Life

Guidance for the moments that matter most.

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Life Event Guide

Business Exit Preparation

Owner timeline moves from growth to liquidity planning.

  • • Concentration risk reduction strategy
  • • Tax-aware liquidity and reinvestment planning
  • • Post-transaction family cash flow design

Life Event Guide

Executive Compensation Change

Equity, deferred comp, or bonus structure evolves.

  • • Concentration and vesting strategy
  • • Tax withholding and estimated payment cadence
  • • Cash flow synchronization with long-term goals

Life Event Guide

Family Governance Planning

Family complexity grows across generations.

  • • Meeting cadence and decision rights
  • • Values and legacy communication framework
  • • Trust and estate coordination roadmap

Life Event Guide

Inheritance Received

A significant transfer creates new planning choices.

  • • Liquidity reserve and spending policy
  • • Long-term allocation and tax posture
  • • Intergenerational transfer planning

Life Event Guide

Loss of a Loved One

Financial responsibilities and account ownership change quickly.

  • • Immediate cash and account access priorities
  • • Beneficiary and estate document review
  • • Short-term stabilization plan

Life Event Guide

Retirement Transition

Work income shifts to portfolio and benefit income.

  • • Income sequencing across account types
  • • Healthcare and coverage budgeting
  • • Withdrawal guardrails during volatility

Wells Fargo Advisors Financial Network does not provide legal or tax advice.

Locations

Local offices with connected planning support.

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All office locations

Start a planning conversation

Share where you are today, and we will help map next steps.

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