About Us

Planning with Purpose. Investing with Intention.

We believe financial planning should reflect what matters most to you, your values, your goals, and how you define a meaningful life. Whether you're planning for retirement or pursuing early financial independence, we help you align your wealth with your principles. We help clients live with clarity and confidence. Our thoughtful guidance is tailored for your growth and legacy.

We specialize in values-based planning, retirement income strategies, and an educational approach that empowers you to make informed decisions. We don’t just build plans, we build understanding. From faith-based investing to long-term legacy planning, we’re here to guide you with integrity, insight, and a deep commitment to helping you live the life you truly want.

Credentials You Can Trust. Experience That Works for You.

We uphold the highest standards of knowledge, ethics, and care. Our clients don’t just get financial advice, they get a clear, informed path forward. We bring technical expertise, real-world experience, and a commitment to education, so you can feel confident making decisions that support your values and your goals.

Retirement Strategies That Fit Your Lifestyle

A successful retirement isn’t just about saving, it’s about turning your savings into income you can rely on. We use Advanced Time Segmentation (ATS), a proven bucket strategy that divides your assets by time horizon, helping you meet your income needs today while staying invested for tomorrow. By planning with ATS, we help you reduce anxiety around market volatility and gain more confidence in your long-term plan. It’s a strategy built for clarity, sustainability, and the lifestyle you want to enjoy in retirement.

Learn About ATS

The Team Behind Your Plan

We believe strong relationships lead to stronger outcomes. Our team combines credentialed experience with a personal approach, taking the time to listen, educate, and guide. Meet the advisors who are here to help you align your finances with your future, every step of the way.

Sharaz Khan

Founder & CFP®

646-776-0572

sharaz.khan@ceterainvestors.com

Demir Nikovic

Investment Advisor Representative

646.766.9332

demir.nikovic@ceterainvestors.com

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See Your Whole Financial Life, Clearly

Our Asset Map tool gives you a visual snapshot of where you are today, so we can start planning for where you want to go. It’s simple, intuitive, and designed to help you make confident, values-aligned decisions from the very first conversation.

Get Started with Asset Map

Our Core Values

Our core values guide everything we do, from how we build plans to how we show up for our clients. They reflect what we believe about money, purpose, and the power of thoughtful planning to create meaningful change in people’s lives.

Align Wealth & Values

Your finances should reflect what matters most to you. Whether it’s faith-based investing, retirement planning, or building generational wealth, we ensure your money aligns with your principles.

Educate & Build Confidence

You deserve to understand your asset picture. We provide education, seminars, and personalized guidance so you can become an ‘amateur expert’ and make informed decisions with clarity.

Plan for Where You Are

Your wealth plan should support your current life stage. We tailor our approach based on where you are in life, ensuring your plan supports your priorities and financial goals.

Create Strategies That Evolve

Life doesn't stand still and neither should your financial strategies. As you transition through new stages of life, we help you adjust your plan to stay aligned with your goals, values, and the opportunities ahead.

Education Is Empowerment

We believe good advice should come with great explanations. That’s why we take the time to walk you through your financial picture and turn complex topics into clear, actionable insights. Our goal is to help you feel like an “amateur expert” in your own plan, confident, informed, and ready to make decisions that reflect what matters most to you.

Working Together With:

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Who We Work With

We serve people who want their money to reflect their values, whether they’re planning for retirement, building financial independence, or creating generational wealth.

Meet Our Clients

Our Approach

Your goals, your values, your plan. Learn how we turn conversations into customized strategies, rooted in education, built to evolve, and guided by what matters most to you.

How We Work

Your Financial Snapshot

Want to see your full financial picture in one place? Asset Map helps you visualize where you are today so we can start planning for where you want to go, clearly, confidently, and with purpose.

Explore Asset Map