A Registered Investement Adviser
Amherst Cash Flow Model
SM
Howard E. Singer, CFP®
Michael A. Potito
A. Terry Singer,CFP®
Michael Potito, Terry Singer, Howard Singer
From left to right: Michael Potito, Terry Singer, Howard Singer

Singer Potito Associates, Inc. is a fee-only financial planning and investment management firm established in 1990, located in Amherst, Massachusetts with a satellite office in East Longmeadow, Massachusetts. Howard Singer and Michael Potito are the principals/owners and Terry Singer is the operations manager of the firm. We are a Registered Investment Adviser and member of NAPFA (National Association of Personal Financial Advisers), a fee-only association.

Areas of expertise are fee-only portfolio management and specialized financial planning. The firm currently manages over $160 million of client assets held in custody at well known firms such as Fidelity Investments, Vanguard Group and TIAA-CREF. The financial planning process provides clients with their unique lifetime cash flow requirements by utilizing our proprietary software. The firm's objective is to create portfolio diversification at an international level with risk parameters designed to meet client tolerances and match projected portfolio cash flow to the cash flow needs of the client.

Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and federally registered CFP (with flame logo) in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements.

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