Hazel Seo Heegyung Secco
CFP®Hazel's Take
Retirement doesn't automatically lower your tax bill. Without a drawdown strategy, RMDs, Social Security, and investment income can push you into a higher bracket than when you were working.
Why Work With Hazel
Clients choose me because their financial lives have outgrown a single account or a single answer. I help high-net-worth women bring retirement, investments, tax, and estate together into one coordinated plan, so major decisions feel clear instead of overwhelming.
Professional Summary
Hazel Secco, CFP®, CDFA® is the founder of Align Financial Solutions, a fee-only fiduciary wealth management firm based in Hoboken, NJ, serving clients nationwide. She works with high-net-worth women whose financial lives have become complex: senior executives, partners, physicians, and business owners in their 40s to 60s managing equity compensation (RSUs, ISOs, NQSOs, ESPPs), concentrated stock, pension and deferred compensation elections, a significant portfolio, and a tax picture that no longer fits on one page....
At a Glance
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Fiduciary Standard
Fee Structure
Account Minimum
Active Clients
Who I Serve
Services Offered
- Risk Management & Insurance
- Financial Planning
- Business Services
- Education Funding
- Investment Management
- Retirement Planning
- Estate & Legacy Planning
- Tax Planning
Specializations
Biography
Hazel Secco, CFP®, CDFA® is the founder of Align Financial Solutions, a fee-only, fiduciary registered investment advisory firm based in Hoboken, NJ. She works with clients virtually across the country. Hazel started her career at large financial firms and left because the incentive structure made it impossible to serve clients the way they deserved. Align Financial Solutions was built from that conviction: no commissions, no proprietary products, no conflicts of interest. Just financial planning anchored...
Other Aliases
Hazel Secco, Huikyeong Secco, Huikyeong Seo
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Videos
Short videos from Hazel.
What Tax Efficient Account Location Can Do For Your Overall Portfolio Return
Lose Money on Purpose: The Tax Lever Most $1.5M Portfolios Skip
Why Tax Planning Matters More NOW Than Ever
Posts
Written insights from Hazel.
She Did Everything Right. But No One Had Ever Connected the Dots.
She'd done everything the financial blogs said to do. Maxed her 401(k) for years. Had a brokerage account, a Roth, some company stock. What she didn't have was a plan connecting all of it. She came in at 51, about 12 years from the retirement she actually wanted. On paper, she looked fine. But when we mapped how her accounts would work together in retirement, the tax picture shifted. Her 401(k) was going to generate taxable RMD income right when Social Security kicked in. She had a window, years before that happened, to do Roth conversions that would permanently lower that bill. She'd never been told it existed. We built the plan. Reordered the sequence. Shifted the heavy lifting into tax-free accounts before the window closed. She's on track to keep significantly more of what she's already built. Not by earning more, but by stopping the tax leak that was hiding in plain sight. That's what financial planning actually is. A coordinated strategy for the money you've already worked ha
She Retired Early. Here's What We Did Before the Stock Dropped 40%.
She came in with $1.4M in one stock. Twenty years of holding it — through the ups and downs — and it had done well. Selling felt like leaving a bigger gain on the table. We built a divesting plan across three tax years to manage the capital gains hit. Sold in layers. Reinvested into a portfolio built around her retirement income needs. She didn't know the drop was coming. Neither did I. But I ran the scenario — showed her exactly what a 40% hit would do to her retirement picture. That's how we made the case to act. Eighteen months later, the stock dropped 40%. Had we waited, her net worth takes that hit. Here's the question I ask every client sitting on a concentrated position: what happens if that drop hits during your distribution stage? You're not just watching a number fall — you're selling shares at the bottom to fund your life. That math doesn't recover. The stock may bounce back. But her retirement wasn't built to wait on it. She retired early. On her terms.
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Contact Information
Direct
(xxx) xxx-xxxx
linkedin.com/in/xxxxxx
facebook.com/xxxxxx
xxxxx@xxxx.xxx
Website
xxxxxxxxxx.xxx
YouTube Channel
youtube.com/@xxxxxx
Languages
xxxxxx
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Disclosures are events reported to regulators, such as customer disputes, regulatory actions, employment separations, or financial events. Some are resolved, denied, or contested — a disclosure is not a verdict. We recommend asking an advisor directly about any disclosure on their record.
Disclosures on record.
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities. Check for any disclosures as part of your thorough research when choosing an advisor.
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Credentials
Years of Experience
13 years registered in the securities industry
Current & Past Employments
Current
Past
Education
University at Buffalo
Psychology, Bachelor of Arts
Psychology, Bachelor of Arts
2013
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Doing Business As (DBA) / Local Office
DBA Firm Name
Align Financial Solutions
Business Address
50 Harrison St PH 433, Hoboken, NJ 07030
Current Firm
ALIGN FINANCIAL SOLUTIONS | ALIGN FINANCIAL SOLUTIONS LLC
Contact Information
Main Address
Hoboken, NJMailing Address
50 Harrison St Ph433, Hoboken, NJ 07030Phone Number
(201) 655-6572# of Employees
1Documents
Regulatory Assets Under Management
Total Number of Accounts
56AUM (Assets Under Management)
$25,060,279Similar Advisors
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Other business activities
Information obtained from regulatory filings. Advisors can request corrections through their firm or regulator.
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
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State Registrations and Notice Filings
(10/21/2025)
Don't see your state listed? The advisor may still be able to work with you under the federal De Minimis Rule, which allows up to five investment advisory clients in a state without registration. Some states, like TX, LA, NE, and NH, may still require registration or notice filing. Contact the advisor or their firm to confirm their investment advisory availability in your state.
Exams
Financial professionals may take different exams throughout their careers based on the types of services they provide and roles they perform.
Series 6 — Investment Company Products/Variable Contracts Representative Examination
Passed Aug 2013About the Series 6 examSimilar Advisors
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CRS (Client Relationship Summary) - RIA
Click below to view Hazel Seo Heegyung Secco's CRS (Customer Relationship Summary).
Services Offered by Hazel
- Risk Management & Insurance
- Financial Planning
- Business Services
- Education Funding
- Investment Management
- Retirement Planning
- Estate & Legacy Planning
- Tax Planning
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