LOBBY REOPENINGS: We are excited to welcome our members back to our lobbies beginning July 6th. Hours will be Monday-Thursday 9am-4:30pm , Friday 9am-5pm and Saturday 9am-1pm. Masks will be required when entering the building, or we will kindly ask that you use our drive-thru teller or other electronic banking options available. Appointments are recommended for non-teller line banking needs to avoid extended wait times in the lobby area. Please see the announcement from the CEO in the News & Events below for more details. We look forward to seeing you!

Capital Financial Planning, LLC

Your Personal Wealth and Risk Manager - Bruce Gaynor


  • 403b
  • Trusts and Estates
  • 529 College Savings
  • Small Business Retirement Plans
  • Stocks, Bonds, Mutual Funds, ETF's and More


  • Customized Financial Planning
  • Retirement Income Planning
  • Social Security Optimization


  • Long Term Care
  • Term Life / Permanent Life
  • Disability

For more information, visit: http://capitalfinancialplanning.net/resource-center

To request an appointment, call 518-286-1611 (Troy) or 518-456-1611 (Albany) and one of our Member Service Representatives will assist you. Or reach Bruce directly by calling 518-867-4000 x126.

Bruce Gaynor MS ED.
, a former high school history teacher and Track and Field coach at Averill Park, is a 10 year veteran of the financial services business. Bruce's sons, Jack and Adam, are in college locally (RPI and Oneonta) and they can all be found on hiking trails most weekends. Specializing in educating his clients, Bruce wants them to make informed decisions and create financial plans that evolve throughout the phases of their lives.

email: Bruce.Gaynor@4cfp.net

Investment advice offered through Capital Financial Planning, a registered investment advisor. Capital Financial Planning is a separate entity from LPL Financial.

Securities offered through LPL Financial, Member FINRA/SIPC.

Insurance products offered through LPL Financial or its licensed affiliates.

Not NCUA Insured | Not Credit Union Guaranteed | May Lose Value

* LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

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Capital Financial Planning LLC

Your source for investment advice, financial plans, wealth management and investment advisory services.

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