About Us
Fred Costantino, CFP® founded Imperative Wealth Planning on a straightforward conviction: a fiduciary obligation to a client is not a preference or a guideline — it is an imperative. The name means exactly what it says.
Imperative: an obligation that cannot be set aside.
Founder & Lead Advisor
Fred Costantino, CFP®
I founded Imperative Wealth Planning with a deliberate purpose: to build a practice where the advisor's obligation to the client is absolute — not shaped by product compensation, not diluted by serving too many client types, and not handed off to junior staff.
Over a 20-year career that has included both wirehouse firms and independent RIAs, Fred observed how common it is for compensation structures and broad business models to work against the people they're supposed to serve. Imperative Wealth Planning was built as the alternative: a fee-only, fiduciary firm focused exclusively on retirement income planning for retirees and those within 10 years of retirement.
Fred works with pre-retirees and retirees in person throughout the Binghamton, NY, and virtually . Every planning engagement integrates income strategy, tax planning, Social Security analysis, and legacy considerations into a single coordinated plan — specific to each client's circumstances, not adapted from a template.
As the firm's sole advisor, Fred works directly with every client from the first conversation through the ongoing relationship. There are no handoffs, no call centers, and no ambiguity about who is responsible for your plan.
Let’s Talk About Your Goals
Have questions or ready to get started? Send us a quick message, and we’ll reach out to explore how we can help—together.