Your Future Depends on the Right Financial Advice

Del-Sette Capital Management, LLC is your local financial planning firm with decades of experience that you can trust.
Retirement security begins with making the right decisions..

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Del-Sette Capital Management
Retirement Planning Services| Retirement Advisors |Financial Consultants

Our dedicated team is here to work closely with you to ensure Happiness in Retirement™. We believe that your retirement should be about enjoying the fruits of your labor – not worrying about changes in investment markets, tax laws, entitlements, or the economy.


The GPS for your Financial Planning:
One Plan, One Phone Number, One Team., Certified Financial Planning, Retirement Planning Whole Life Insurance Estate Planning Financial Planning Services Term Life Insurance Quote Schenectady NY Estate Planning Attorney Albany NYOne plan, crafted by a synergistic team of professionals, that is the embodiment of your financial goals – a unique, living document that can protect what you have worked so hard for, to make sure you don’t pay too much in taxes, and that you are invested correctly. A plan that adapts to your life changes, and gives you the best chance to enjoy what matters most to you.

One Phone Number, because you shouldn't have to make multiple calls to figure out your life insurance, your estate plan, your tax preparation and your investments. One number should get you a friendly, familiar voice – not an automated system. We aim to answer all of your financial questions in a timely fashion.

One team of objective, unbiased financial planners and industry professionals, because crafting a plan that encapsulates so many areas like tax, investments and insurance needs multiple specialists working together under one roof who are intimately familiar with your situation. At Del-Sette Capital, we work together, holding each other to the highest standard.


Delsette Team.jpg, Certified Financial Planning, Retirement Planning Whole Life Insurance Estate Planning Financial Planning Services Term Life Insurance Quote Schenectady NY Estate Planning Attorney Albany NY
“I spend much of my time listening to and understanding my clients, because you can’t prescribe before you diagnose – that’s why we don’t put a time limit on our meetings. I’ve been an advisor through some of the most challenging investing environments in modern history, so I understand how my clients feel when the inevitable market hiccup happens and they have to draw from their investments to live. Knowing that our investment management is fee based and not commission driven also gives our client’s comfort.”

"I developed a unique retirement planning process called the Happiness in Retirement™ Lifetime Gameplan that is the distillation of years of financial planning best practices and experience. I encourage you to talk to other advisors, and then come in and let us plan your retirement at no cost or obligation. Call today to have a conversation, and see for yourself if One Plan, One Phone Number, One Team can make a difference for your family."

Bill Del-Sette, CFP®, RIA



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7 Steps to a Happy Retirement (that don't involve money)

These seven simple steps have nothing to do with money, but will help you to be happy in retirement. Intrigued? Download this free e-book without obligation.

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From the Happiness in Retirement Blog

The Joys and Financial Challenges of Parenthood

May 17,2017

Parenthood can be both wonderfully rewarding and frighteningly challenging. Children give gifts only a parent can understand--from sticky-finger hugs to heartfelt pleas to tag along on Saturday...