My Story

Athletes training for a marathon seek out a coach with the knowledge and expertise to offer the professional guidance and support needed to not only run the race, but run it faster and more efficiently.

The same is true for managing wealth in today’s complex global markets.

Comprehensive wealth management takes a unique set of skills that goes beyond general financial planning. It takes a seasoned advisor who has the wisdom, knowledge and access to specialized resources that are designed to tackle today’s fierce challenges.

As an experienced financial advisor with more than 26 years of experience, I know what it takes to achieve results. My consultative approach covers the full spectrum of customized solutions for financially successful individuals and families planning for retirement and other long-term goals. What’s more, my emphasis on education and commitment to outstanding service allows me to take the emotion out of important decision making to bring a disciplined process to smart money management. 

As we begin to work together, you will experience a forward-thinking approach that focuses on achieving your particular goals and becoming financially independent. Serving as your financial coach, I will review all aspects of your financial life to create a tailored strategy that is designed to help ensure financial success over multiple generations.
Services Include
  • Wealth Management1
  • Financial Planning2
  • Retirement Planning3
  • Estate Planning Strategies4
  • Asset Management5
  • Trust Services*
  • Lending Products
  • Life Insurance6
  • Long Term Care Insurance7
  • Divorce Financial Analysis8
Securities Agent: TX, NJ, WA, VA, SC, RI, PA, OR, OH, NY, NH, NC, MS, MD, MA, KS, IN, IL, ID, GA, FL, DC, CO, CA, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1395602
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Clients

My clients are much more than a portfolio of assets – they are families with active lives, who seek a seasoned advisor who will provide them with thorough, unbiased and carefully considered guidance on a full range of financial topics. When you work with me, you will be treated with respect, care and an unwavering commitment to you and your family.

Since 1991, I have developed a strong and active practice that includes a broad range of clients who need professional guidance with the following activities:

Saving effectively so children can attend the colleges of their choice
Planning for a successful retirement
Managing a life-changing event with confidence, such as a divorce, the loss of a spouse or a large inheritance
Financing a major acquisition, including the purchase of a second home
Minimizing taxes through advanced asset management solutions
Achieving long-term charitable and philanthropic goals

My clients include:

Retirees and individuals planning for retirement
Professionals, including lawyers, teachers and professors
Small business owners
Multi-generational families

While each client has unique personal and professional circumstances, they all have one thing in common: They are focused on achieving very specific financial goals, so they may secure their family’s financial future and pursue their personal passions.

To that end, I have assembled the following articles, white papers and financial tools about many of the concepts that support my wealth management philosophy and investment strategies.

    Working With You

    As a CERTIFIED FINANICAL PLANNERTM (CFP®), I believe planning is a “living” process that must be diligently reviewed and cultivated. My goals-based approach identifies and implements appropriate solutions to empower you to achieve – and maintain – financial success. Ultimately, goals-based investing empowers you to be more confident in your investment decisions now and in the future.
    • Step 1: Get to Know You
      I begin with an in-depth conversation where I listen carefully to understand what is important to you and your family. I learn about the values that shape your decisions and identify any challenges and circumstances unique to your personal situation.
    • Step 2: Analyze and Assess
      Next, I review your current and future financial situation, determine the likelihood of reaching your goals and address the impact of unexpected life events. With attention to detail and utilizing a proprietary financial planning tool called LifeView®, I determine an appropriate asset allocation mix, select investments and identify specific tax-efficient strategies.
    • Step 3: Present Your Personalized Plan
      In this step, I present a comprehensive and customized plan with strategies designed to achieve your particular goals in today’s economic environment. Upon your approval, I set into motion a course of action that strives to align your vision with your personal definition of financial success.
    • Step 4: Implement
      Once I activate your plan, I set up a number of meetings to ensure your account is set up properly and you have convenient access to your account information.
    • Step 5: Keep You on Track
      I monitor your progress and review the performance of your plan through regular calls and meetings. I may recommend adjustments over time, due to changing market conditions or changes in your life, to help keep you on track towards achieving your goals.
    The best relationships are built on trust, understanding and shared values. I strongly believe a disciplined philosophy and process are critical to achieving your goals. To that end, I am committed to the following tenets that serve as the foundation of my practice:
    • A clear path to your goals
      Money is merely a tool that can help you live the life you desire. I work with you to define and articulate your goals, then create a comprehensive financial plan that can help reach them.
    • A disciplined approach to investing
      Reaching your goals requires more than a hot investment tip. I focus on proven concepts and avoid recommendations based on fear or greed.
    • Access to top professionals
      You are entitled to the best advice possible. As a result, I often collaborate with colleagues from across the Morgan Stanley network, as well as other professionals within the industry who are considered experts in their field. I also work in tandem with your accountant, attorney and other trusted advisors to gain the precise knowledge needed to effectively manage all aspects of your wealth.
    • Highly personalized service
      I focus on building deep and longstanding relationships. I do this by working with a select group of individuals and families. This enables me to dedicate the time, attention and personalized service each deserves.
    • A clear understanding I work for you
      While I value my relationship with Morgan Stanley as a top purveyor of global financial services for 80 years, I value my relationship with you even more. I am committed to developing a relationship that provides special value to you and your family. When you succeed, we all succeed.
    Todd has dedicated his entire 26-year career to providing highly customized advice and strategies to individuals and families. He guides them through a personalized approach that includes a thorough planning process and a commitment to outstanding service. To Todd, the cornerstone of comprehensive wealth management begins with a solid financial plan focused on achieving each client’s unique goals.

    Todd learned first-hand the power of financial planning. At age ten, his mother became a single parent. This experience had a profound impact on Todd, teaching him many lessons and inspiring him to pursue a profession that could help people like his mother gain the confidence needed to make sound financial decisions. With hard work and determination, Todd earned an academic scholarship to Elmira College, earning his Business Administration degree in International Business and minoring in Spanish. He joined Morgan Stanley in 1995 and has been a valued advisor ever since.

    Throughout his career, Todd has remained committed to professional development. He earned the distinguished CFP® designation in 2007, was named a Financial Planning Specialist at Morgan Stanley in 2004 and achieved the firm’s Investment Management Consultant certification in 1999. These designations demonstrate Todd’s dedication to remaining on the forefront of the most effective financial strategies available.

    A firm believer in giving back, Todd is an active member of the Jamestown Rotary Club and the Southwestern Central School Foundation Board of Directors. He is a member of the Chautauqua County Chamber of Commerce and the Erie Regional Chamber and Growth Partnership. Todd is also a former President of the Jamestown Rotary Club and Board of Directors for the Jamestown Community Learning Council.

    Originally from Franklinville, NY, Todd currently lives in Lakewood. Favorite leisure activities include spending time with his four nephews, fishing, target-shooting, skiing and cooking.

      Location

      202 West State Street
      Olean, NY 14760
      US
      Direct:
      (716) 375-8211(716) 375-8211
      Toll-Free:
      (800) 999-9995(800) 999-9995
      Fax:
      (716) 372-5012(716) 372-5012

      Investment and Market Perspectives

      On the Markets

      Retirement

      Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
      • 401(k) Rollovers
      • IRA Plans
      • Retirement Income Strategies
      • Retirement Plan Participants
      • Annuities
      The Simple Six-Step Retirement Checkup

      The Simple Six-Step Retirement Checkup

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

      Investing

      Working closely with you to guide your wealth and investments through the most challenging market cycles.
      • Asset Management
      • Wealth Planning
      • Traditional Investments
      • Alternative Investments
      • Impact Investing
      Investing in Artificial Intelligence and Automation

      Investing in Artificial Intelligence and Automation

      AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
      From Clueless to Clued In: Teaching Teens About Money

      From Clueless to Clued In: Teaching Teens About Money

      As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      Facing Financial Stress? Your Employer May Be Able to Help

      Facing Financial Stress? Your Employer May Be Able to Help

      Many of us face money worries. You may be able to get advice and education from an unexpected source.

      Philanthropy

      Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
      • Endowments
      • Foundations
      • Donor Advised Funds
      • Impact Investing
      Choosing an Environmental Charity

      Choosing an Environmental Charity

      There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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      Ready to start a conversation? Contact Todd R Allen today.
      Market Information Delayed 20 Minutes
      Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

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