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Who We Serve

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Built for Complex Financial Lives

We work with individuals and families whose financial lives require coordination, structure, and thoughtful decision-making.

While each client’s situation is unique, the common thread is complexity: multiple income sources, competing priorities, and important decisions that benefit from a clear, integrated plan.

Pre-Retirees & Retirees Navigating Income Planning

We help clients transition from accumulation to distribution, designing retirement income strategies that balance taxes, investments, and sustainability over time.

Widows & Widowers Navigating Financial Transition

We provide steady, objective guidance during periods of transition, helping simplify financial decisions and create a clear path forward after the loss of a spouse.

People & Pet Doctors

We work with physicians, dentists, and veterinary professionals navigating high income, demanding careers, and competing financial priorities, bringing structure to student loan planning, tax efficiency, and long-term decision-making.

Professionals with Equity Compensation (RSUs & Stock Options)

We guide high-income professionals through equity compensation decisions, helping manage concentration risk, tax timing, and long-term planning around complex income structures.

Business Owners

We advise business owners on coordinating income, equity, and long-term planning, integrating tax strategy, investment decisions, succession planning, and future liquidity into one cohesive framework.

Individuals Navigating Inheritance & Sudden Wealth

We help clients slow down, organize, and think clearly after receiving wealth, providing structure around tax considerations, investment decisions, and long-term planning before action is taken.

Our awards

Times Union

Times Union Award

Recognized for excellence in the Capital Region.

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Office: 518-557-8277

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100 Saratoga Village Blvd
Suite 36D
Malta, NY 12020

Disclosure

Stephen Cardinal is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of AZ, CA (CA Insurance License #4203521), CT, FL, IL, MA, MD, NY, PA, and SC. No insurance business may be conducted outside the states referenced.

As a New York Life Agent, Stephen Cardinal is licensed and authorized to offer insurance in California, but Post Time Wealth Solutions may not be. For additional information on California licensure status, please click here.

Stephen Cardinal is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency, and a wholly-owned subsidiary of New York Life Insurance Company, 100 Saratoga Village Blvd Ste 36d, Malta, NY, 12020, 518-557-8277. In this regard, this communication is strictly intended for individuals residing in the states of CA, CO, CT, MA, ME, NJ, NY, OR, and PA. No offers may be made or accepted from any resident outside the specific states referenced.

Stephen Cardinal is also a Financial Adviser with Eagle Strategies LLC, a Registered Investment Adviser, and a wholly-owned subsidiary of New York Life Insurance Company, offering advisory services in the states of CA, CO, CT, MA, ME, NJ, NY, OR, and PA. As such, these services are strictly intended for individuals residing in the states referenced.

Post Time Wealth Solutions is not owned or operated by NYLIFE Securities LLC or its affiliates.

Neither Post Time Wealth Solutions nor its associates are in the business of offering tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

For more information about NYLIFE Securities LLC and its investment professionals.

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