I've been working with Charlie and his team literally for decades, starting back when I first entered the workforce. He has guided me through many phases of life and financial situations with expertise and care. As a result I am well-positioned for retirement and he now advises my children, which gives me great comfort. Cannot recommend Charlie and his team highly enough. Try them!									

										The SOA approach to Financial Planning works very well for us.  The first step was determining our long-term goals (financial and otherwise), our risk tolerance, and our ESG requirements.  With Charlie's recommendations we chose a suitable investment strategy.  The quarterly Seasonal meetings ensure that our personal papers and tax strategy are updated as needed and provide an opportunity to refine our investment strategy according to conditions in our life and those in the market.  The tools SOA uses help us to grasp the "big picture."  In particular, the projection of our financial status far into the future helps us to plan better.

Charlie and his team have done well for us.  Our investments have consistently outperformed industry benchmarks.  We always get prompt and accurate responses to any questions we have.  His easy temperament and sense of humor make meetings a pleasure, but that does not diminish his concentration and focus--he hears every word we say.									

										Many years ago, I told Charlie that my goal was to own a loft in SoHo. At the time, it was a long shot. But through comprehensive financial planning, Charlie delivered on my goal.  And to this day, I couldn’t be happier with his support and advice. Charlie has mastered the model on how to deliver an exceptional customer experience.  He is smart, thoughtful, responsive, creative and execution-focused. I have worked with Charlie for 30 years , and he has never disappointed me.  Not once.									

										Charlie has been my trusted financial advisor for over 10 years

He takes the time to truly understand my goals, explain complex financial topics in clear terms, and offer guidance that’s both strategic and practical. I’m confident that he has my best interests at heart at every turn.

Charlie is genuinely invested in his clients’ success - I believe this is not just a job to him. It is a mission to ensure responsible stewardship of his clients’ investments and to provide them with peace of mind and the assurance that he will support them in their goals. I am fortunate to have Charlie and the entire SOA team at the helm now and for many years ahead.									

										Greg Hill:
	We've worked with Charles for many years, with results that met or more often exceeded our expectations, financially speaking. But it's what Charles has provided beyond financial results that makes him really stand out as an advisor. We finish every meeting feeling better than when we started, not because of the "bottom line" but because he is a great listener and has a near magical ability to bring us together when we have conflicting emotions or attitudes towards spending, saving, and the rest of it. Highly recommended.									

										For over 30 years we’ve been well supported by Charlie’s knowledge, adaptability, and insight.  He’s there to talk when times are shaky and trust wobbles.  He’s always found a way to keep us comfortably afloat.  It’ s been a good ride.									

										I have been working with Charlie for more than a decade and have been very pleased with his advice, candor and ability to help me plan for the future while thoughtfully managing my finances in the present through a range of major milestones including marriage, parenthood, eldercare and job transitions.  He is thoughtful, empathetic and fastidious and so are the members of his team.									

										I have been a client of SOA since 2019 and I am very comfortable working w Charlie and his very capable staff . He has helped me plan for my future and has managed my investable assets successfully. We meet 4x/year and go over tax plans, estate planning and review allocations. He is also very responsive whenever I reach out anytime during the year. My portfolio has performed well working w Charlie and his team. Charlie understands my financial concerns now and for the future and over the years has given me (financial) peace of mind. I know I am in trusted, competent hands and I highly recommend him.									

										I was fortunate enough to be introduced to Charlie and his team almost a decade ago. During that time, I've experienced many life changes including the buying and selling of my business. This didn't leave me with any bandwidth for financial planning. Charlie and his team have provided me with peace of mind and have served as valuable allies as I began to think seriously about my long-term financial goals and retirement plans. I am grateful for this rewarding relationship and highly recommend Charlie and his team.									

										Charlie has been my financial advisor for 40 years and is the reason I have a healthy retirement portfolio for retirement. Charlie provides investment that is flexible and he continually monitors the market to make adjustments to optimize my portfolio. During our quarterly meetings we discuss recommendations to ensure alignment and goals are on track.									

										I have worked with Charlie for over 30 years and he and his team are trustworthy, financially creative and always right on with their financial advice.  Charlie has guided me through building and growing savings, what kind of insurance I might need in different phases of my life, as well as excellent estate planning.  My life would be all the poorer - literally and figuratively - without Charlie.									

										I've been a client of Charlie for close to a decade and I wholeheartedly recommend him as a financial advisor and manager. For me, the trust I have in Charlie as an advisor is paramount, and he has consistently earned that trust throughout our collaboration.  His proactive process for managing my financial life, not just my investments, has been very helpful  in making critical decisions  regarding retirement, estate planning ,etc. His guidance regarding my investments has consistently had very positive results. Additionally he manages a very professional organization. Working with the professionals and staff  at SOAW has always been a pleasure due to their  expertise and commitment to  customer service. I believe Charlie would be an excellent advisor to anyone, no matter the size of their portfolio, and I enthusiastically recommend him.									

										Working with Charlie Hamowy for over a decade has been one of the best decisions I’ve made in my life. Thanks to his guidance, expertise, and unwavering support, I was able to achieve something many dream of but few accomplish—early retirement. I am now living my best life, and I truly owe so much of that to Charlie.

From the beginning, Charlie took the time to understand where I was in life and crafted an investment and savings strategy that was both realistic and forward-thinking. He not only helped build a solid financial plan, but also challenged me to think about aspects of my future I hadn’t even considered. His insight opened my eyes to possibilities and priorities I might have overlooked on my own. He has a remarkable ability to explain the complexities of the market in a way that’s easy to grasp, always keeping me informed and confident in the decisions we made together.

Charlie’s advice has been invaluable, not just in terms of financial returns, but in giving me the peace of mind that my future was in capable hands. His professionalism is matched only by his sincerity and the genuine care he shows for his clients. Over the years, he has become more than just a trusted advisor—he’s become a friend.

If you are looking for someone who is smart, strategic, and truly invested in your success, I cannot recommend Charlie Hamowy highly enough. He is the only person that I recommend when my friends are seeking financial advice. He helped make my dream of early retirement a reality, and for that, I am forever grateful.									

										I highly recommend Charlie and the team at SOA. They deliver extraordinary service and exceptional results. My wife, Wendy, and I have had the privilege of working with Charlie for over 25 years, and his guidance has been instrumental in helping us achieve our financial goals.

When we first began our relationship, our financial resources were modest. We had just welcomed our first child and wanted to invest wisely while preparing for the future. Charlie helped us establish clear goals and a comprehensive plan that covered savings, investments, insurance, estate planning, and taxes.

Over the years, our plans have evolved, and Charlie has been a trusted advisor through every stage — from navigating market downturns to adapting to political and technological change. Supported by his knowledgeable, service-oriented team, Charlie combines thoughtful counsel, leading-edge data and analytics, and a well-honed process that has consistently delivered results.

We are deeply grateful for Charlie’s guidance, his professionalism, and the important role he continues to play in our lives.									

										After leaving a job I’d held for 18 years, I didn’t know what to do with my finances — or my life. Thankfully, I met Charles in 2003, and that was the start of a partnership and journey I can’t imagine my life without. Over the years, he’s guided me through multiple transitions and has consistently brought me peace of mind.

Charles is a deep listener — compassionate, professional, personable, collaborative, and incredibly smart. He’s a trusted guide whose approach is always rooted in helping you live your best life. With his quarterly check-ins, we've/I’ve been able to stay proactive and on track. I would recommend Charles to anyone, no matter their background or stage of life.									

										We've been using Seasons of Advice since 2008 and are very pleased.  Charlie and his very capable staff have helped us manage our investable assets, review our tax planning and made sure our estate planning is correct.  Our assets under management have grown considerably  as a result of the advice we've received.  Charlie and his staff are very responsive, patient and are always ready to help.  Charlie understands our financial goals and has helped us achieve them.  He has made our lives much more comfortable.  We highly recommend him.									

										Choosing Charlie as our advisor stands out as one of the wisest and most impactful decisions we’ve made for our financial well-being. For over 30 years, Charlie has provided guidance that goes far beyond just numbers. His approach embodies the philosophy behind his firm, Seasons of Advice—that financial planning is a lifelong journey, with evolving needs and goals at each stage of life.

Charlie takes the time to understand our personal goals, not just our portfolios. Whether managing risk, developing a tax-efficient strategy, or navigating retirement, Charlie is always thinking proactively, helping us adapt to life’s seasons with a sense of purpose and balance.

Under Charlie’s guidance, our investments have grown steadily. We trust him completely—with our finances and our future. He’s not only an expert in his field; he’s also a true partner and an invaluable resource.									

										In 2006, I started thinking about leaving my job and my career to do something that would be interesting and socially worthwhile, but wouldn't pay me a dime. I had no idea whether I could afford to do this. A friend suggested I talk to Charlie, whose guidance over many years had been not only been financially sound, but sensitive to her goals and values. And so my first meeting with Charlie was a conversation about my future. His reaction to my plan was not a simple yes or no, although he gave me that, but a tutorial in how to think about financial planning as support for a person's goals and values. It should surprise no one that by the end of our meeting, I wanted to continue this conversation with Charlie as my guide. And so the tutorial has continued, and I've never regretting taking that step.									

										We've worked with Charlie for almost 20 years. In that time, he has done an outstanding job of helping us establish a financial plan to achieve our personal goals, especially as they evolved over our lifetime. Charlie understands how to advise as life cycles change - from marriage and combining assets, to buying a home, ever changing work situations, and getting to retirement, he is always there to help us move forward. He works with us to create our portfolio to match where we are and it has consistently yielded positive results. We have recommended Charlie to many of our friends and family. Charlie has not only been our finical adviser (and rock and sanity) throughout the years but he has become a good friend.									

										Over 35 years ago we literally stumbled opon Mr. Hamowy, who at the time was just starting out. After our initial matter and his penetrating analysis of our situation, we began our lifetime and extraordinary successful relationship with him. Thanks to his efforts, we are living much better in retirement than we did when we were both working. We have recommended him to many people who often thank us for the introduction to him. May those of you who read this review, be fortunate to retain him as your advisor.									

										We've worked with Charlie for over 20 years. During that time, he has done an outstanding job of helping us establish a financial plan to achieve our personal goals. As our lives have changed through decades of employment, raising a family and embracing retirement, Charlie's understanding of forces that impact the economy overall, and his tailoring of our portfolio in response, have consistently yielded positive results. We also appreciate that Seasons of Advice's (SOA's) journey has brought it to a place where socially-inspired investing is an integral part of its vision and strategy. 

We have recommended Charlie to many of our friends, and we are pleased to say that SOA is now partnering with our adult children to develop sound, achievable financial targets to support their future objectives. Above all, Charlie's warm, approachable manner has made it a joy to work with him through all our seasons.									

										Charlie has been my financial advisor for more than 25 years. When I started, I was a complete neophyte with no real plan. Charlie never made me feel ignorant, or intimidated. He has been with me through so many ups and downs and life changes, and is someone we trust implicitly to have our best interests at heart. He has guided our finances expertly.Charlie is funny, and knowledgeable, and meets his clients where they are in their financial lives. When I became the steward of my mother's finances, Charlie was invaluable in offering advice, and I have recommended him to several friends. We are lucky to have him.									

										Neither my wife nor I were well-versed in economics or investing when we first met Charlie. Life and careers in NYC kept us busy, and we never took the time to seek professional financial guidance, which we realized left us in a vulnerable position.

A trusted neighbor who happened to be the treasurer of our co-op board recommended we speak with Charlie.  From our first meeting his expertise and versatility, sense of humor and warmth, and personalized concierge-style approach stood out.

That was over 20 years ago.  Since then, Charlie and his team have been unwavering in their commitment, meeting with us every quarter, evolving strategies to match our changing goals, and navigating both opportunities and risks with insight and care.

Through all the ups and downs of the markets Charlie has provided stability and confidence.  We are truly grateful and feel blessed to have had his guidance in protecting and growing our assets over the years.  Knowing that he and his team are always looking out for us gives us tremendous peace of mind.									

										We’ve worked with Charlie for over 30 years, and with his excellent guidance we have enjoyed steady growth of our portfolio through every kind of market. His understanding of our life goals and family needs has allowed us to enjoy the life we want with confidence and peace of mind. Charlie continues to be our trusted partner in helping us achieve financial security									

										I had an aversion to investing until I met Charlie, and maybe I was in a month before the market tanked twenty percent. I am one of SOA’s smaller clients, yet Charlie took every one of my many whining phone calls, and listened, too, as I quoted newspaper articles about the market’s coming demise. And then my money grew back, and then some. I’m in a socially conscious class of investments, which makes me feel like a good capitalist, and have had great returns. I’ve been with SOA now for years with brilliant Saad by Charlie’s side. I feel cared for. When we met, Charlie asked what I spent a year, and then what my dreams were if I had the money, and then he made it happen. Also, SOA gives out good pens.									

										It is such a pleasure working with Charlie. He really explains things and works in our interest when it comes to our finances. We, like everyone else, are busy and feel secure knowing Charlie is looking out for our interests. Working with Charlie, we are not only working toward a secure retirement, but a comfortable lifestyle while working to get there. We also are planning for our kids' exciting lives. If you are looking for someone relatable, personable and responsive, look no further. We are so glad we did.									

										I have known Charles Hamowy for decades. He has managed my husband and my financial assets through several phases of our lives. He has helped us save and invest so we could put our children through college, retire on our terms, and live the life we have always dreamed of.  He is now helping us with estate planning and preparing heirs.  He is knowledgeable, professional, talented, and trusted. His dedicated and consistent seasonal approach on looking at all aspects of a client’s financial life is priceless.  I highly recommend him and his team.									

										Charles Hamowy has managed our financial assets for the past 35 years and has been a joy to work with.  He always approaches an essentially boring subject -- our modest holdings -- with excitement, imagination and a funky sense of humor.  As a result, our life has become happier and more abundant.  He now oversees our daughter's accounts as well.  To us he's more than an advisor, he's a friend.  His best advice: "Live your life!"									

										Charlie has been our financial advisor for the past 4 years. He helped us think strategically about how we could maximize our asset holdings and develop a long term strategy for retirement. In a volatile environment he is a calming and thoughtful advisor who helps us think outside the box. We deeply value his counsel and could not recommend him enough.									

										We have been working with Charlie and his team for nearly 20 years. From private high schools to funding college for 3 children, to wedding plans, to second homes to eventual retirement; Charlie and his team have been instrumental and comforting every step of the way. They made goal setting a priority and helped us achieve our family dreams. Could not recommend them more!									

										Charles Hamowy and his Seasons of Advice associates have been wonderful custodians of our investment portfolio for 15 years. Through the many ups and downs of the markets, Charles has been a steady and reassuring hand, and a successful one. He has adjusted our holdings appropriately as we age. He has counseled us knowledgeably on other financial decisions. And throughout he has been a delight to work with.									

										I met Charles Hamowy in 2008. I was in my 60's still employed as the Director of a not-for-profit, small pre-school. I had a TIAA Cref account and equity in a coop apartment in Chelsea, New York City. My Board of Trustees suggested a financial review, predicting that my retirement was not far off. I retired 16 years later!

He immediately advised the following to a Board Committee:
        Bring my salary up to a level comparable to colleagues in the field.
        Designate contributions to my 403b account to match my social priorities,
        Create a SERP (Special Executive Retirement Account) to be awarded upon my retirement.

The Committee agreed and I became his Client.
I was impressed by his practice of seeing clients 4 times a year for analysis and any adjustments to our goals.
He is always available  to me and my accountment by phone and/or meeting in person or via Zoom.
Our relationship has grown so that I trust that Charlie knows me very well, what my priorities are, and can advise me effectively especially now that I am retired.

I highly recommend him...... as I have to my entire family and many friends.
He put the puzzle together!									

										For over 15 years, Charles and his team have looked after our financial assets. Through thick and thin, ups and downs, our investments have matured well, even with the inevitable market fluctuations along the way. We couldn't be happier with his stewardship. I cannot recommend Charles Hamowy and Seasons of Advice more highly.									

										Fifteen+ years of spectacular advice through market ups and downs. We sleep at night knowing Charlie and his team have all seasons of our life in hand. Superb advice and service always. Thank you.									

										We’ve been working with SOA for just over seven years and couldn’t be more satisfied. Charlie, Saad and their team of professionals have been an absolute pleasure to work with—always keeping our best interests at heart. Their financial advice has been consistently sound, thoughtful, reliable and their ability to remain agile and responsive to market changes has helped us achieve steady growth over the years.

While we formally meet with the team quarterly, they are always accessible for questions and support. Their responsiveness is exceptional—often near immediate. We greatly value the personal attention we receive from the entire group and have complete confidence in the custodianship of our portfolio.									

										Charlie has been our financial advisor for almost 30 years and we couldn’t be more pleased with his service and professionalism. He is an exceptional financial planner who has guided us through some of the most challenging financial circumstances. He and his very competent team are tapped into the most up to date financial instruments and, as a result, we are confident that our finances are in great hands. He is always available to discuss issues and concerns (including evenings, weekends, holidays, whatever) and has become a good friend. We would not hesitate to recommend Charlie as a financial advisor/planner. He is the best.									

										We first met Charlie Hamowy when we had no money at all. We had three small children and Charlie helped us map out a financial plan to get our kids through school, pay for weddings and bat mitzvah, and save enough money to retire. Now thirty years later, we are still clients, as are all three of our children, and we are well situated for the retirement of our dreams. Thanks Charlie.									

										I not only totally trust that I can rely on Charlie and his team for my financial investments and planning I must shine a light on Seasons of Advice's four quarterly meetings and how helpful they are. Even if you think you don't need them they force you to focus on issues, like impending changes or estate planning and beneficiaries, and the date that approaches every few months is a forced reminder to actually get things done that we humans tend to avoid or procrastinate about. It is his comprehensive way of taking care of my financial life + that I find invaluable! No reservations for a 100% recommendation.