Three Generations of Guidance. One Commitment to You.
At Waldron Financial, we believe your financial advisor should know more than your account balance — they should know your name, your family, and what you're working toward. That's the client relationship philosophy our family has built since 1997.
Generations of Family Advisors
+ Years Serving Clients
Office Locations
Our Philosophy
Who We Are
At Waldron Financial, our philosophy is simple: a financial advisor should care for clients as people, not just as accounts.
That means knowing your family, understanding what matters to you, and taking a holistic view of your financial life — building a strategy that reflects all of it, not just one piece at a time.
Great financial advice requires trust, and trust requires time. We invest in our client relationships because when you truly believe your advisor has your best interest at heart — personally, not just professionally — the experience changes. It stops being a transaction and becomes a partnership.
That's what we strive to create for every client, every day.
— Dean Waldron & Matthew Waldron
Our Services
What we do
At Waldron Financial, we offer comprehensive financial planning and advisory services built around your life — not a product. We serve retirees, pre-retirees, families, individuals pursuing financial freedom, and business owners who want an advisor that truly understands their goals.
Retirement & Income Planning
What We Offer: We build comprehensive retirement income strategies that coordinate Social Security timing, Medicare enrollment, investment withdrawals, and tax efficiency into one cohesive plan.
Benefit to You: You retire with confidence, knowing exactly where your income is coming from, how long it will last, and that your family is provided for — no matter what the market does.
Investment Management
What We Offer: We connect every piece of your financial life — income, savings, debt, investments, insurance, and goals — into a clear, actionable roadmap, then manage your portfolio with discipline and transparency.
Benefit to You: You stop feeling scattered and start feeling in control. Everything works together, and you always know what you own, why you own it, and how it connects to your bigger picture.
Insurance & Risk Management
What We Offer: We take a holistic look at your insurance coverage — life, disability, long-term care, and more — identifying gaps and redundancies to make sure your insurance is aligned with your actual life stage and needs.
Benefit to You: You gain the confidence that comes from knowing the people and things you care most about are insured — without paying for coverage you don't need.
Tax Strategies
What We Offer: We work in close coordination with your CPA or tax advisor to integrate tax-aware strategies — account type selection, Roth conversion planning services, income timing, and distribution strategies — into your overall financial plan.
Benefit to You: Your money works harder because your plan accounts for taxes at every stage — not just at year-end, but throughout your financial life.
Estate Planning Review
What We Offer: We review the financial dimensions of your estate plan — beneficiary designations, account titling, and asset transfer strategies — and work alongside your estate planning attorney to ensure everything is aligned.
Benefit to You: Your wishes are reflected in your financial plan, and the people you love are conserved. Nothing gets left to chance or lost in the gaps between your financial accounts and your legal documents.
Social Security Planning
What We Offer: We analyze your Social Security options — including spousal strategies, optimal claiming age, and coordination with other retirement income sources — to help you make the most of this lifetime benefit.
Benefit to You: A well-timed Social Security decision can mean tens of thousands of dollars more over your retirement. We help you make that call with data and confidence, not guesswork.
Medicare Coordination
What We Offer: We discuss Medicare enrollment and plan selection, and how your coverage decisions fit into your broader retirement income and healthcare cost plan.
Benefit to You: Healthcare is one of the largest expenses in retirement. We help you understand your options, avoid costly enrollment mistakes, and build a plan that accounts for what coverage actually costs.
Business Owner Services
What We Offer: We work with business owners on retirement plan design, exit and succession planning, and integrating personal and business financial goals into one unified strategy.
Benefit to You: Your business is likely your largest asset — and your retirement plan. We help you make sure it's working as hard as you are, and that when the time comes to transition, you're ready on both sides of the equation.
Our Team
About Waldron Financial
Waldron Financial is a third-generation, family-founded financial advisory practice — and that heritage shapes everything about how we work.
Our story begins with Norma Waldron, who entered the financial services industry in 1979 and officially established Waldron Financial Group in Oakfield, New York in 1997. Norma built the practice on a foundation of trust, personal relationships, and genuine care for the people she served — values that remain the heart of everything we do today.
Her son Dean joined the practice in 1998 and carried that legacy forward, growing Waldron Financial while staying true to the personal, community-rooted approach that made it special. Today, Dean's son Matthew has joined as the third generation, bringing more than a decade of industry experience and opening a second office in Wake Forest, North Carolina. Three generations. Two offices. One family. One philosophy.
Our clients are retirees, business owners, pre-retirees, families, and individuals working toward financial freedom across Western New York and the greater Raleigh, NC area. Every one of them receives the same personal attention and genuine care this practice was built on.
We are not a big-city firm. We are a family practice that knows your name and genuinely cares about your future.
Why Us
How we excel
Waldron Financial stands out by building meaningful relationships and seeing clients as people, not just accounts. Through thoughtful listening, a holistic approach, and a commitment to trust, Waldron strives to create a true partnership that reflects each client's full financial life and personal priorities. We invite you to explore our Resources section for helpful, educational content designed to support your understanding of a range of financial topics.
Videos
These engaging, short animations focus on a variety of financial topics and illustrate key financial concepts.
View all videosCommunity Involvement
At Waldron Financial, community isn't a marketing line — it's part of who we are.
Dean Waldron and his family have spent thousands of hours serving their community in Oakfield, New York through church activities, civic organizations, and local causes. For Dean, giving back is a natural extension of the same values that guide his work as an advisor: compassion, service, and a genuine investment in the people around him.
Matthew carries those same values into Wake Forest, North Carolina. Faith is central to his family's life, and being an active, present part of his community — not just as an advisor, but as a neighbor — is something he takes seriously.
We believe a financial advisor who is rooted in their community is simply a better advisor. When you live among the people you serve, you understand their lives in a way no spreadsheet can capture.
Contact Us
Get in Touch
We'd love to hear from you. Whether you have a question, want to learn more about our services, or are ready to take the next step, the best way to reach us is by phone or email. We believe every great relationship starts with a conversation — and we're here when you're ready to have one.
Oakfield NY Office
121 North Main Street
Oakfield, NY 14125
Phone
(585) 948-5353
Wake Forest NC Office
3521 Song Sparrow Drive
Wake Forest, NC 27587
Phone
(585) 948-5353
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