About Wealth Management

With a diverse offering of brokerage and investment options available to meet your specific financial needs, our Cetera Registered Representatives are your trusted resource for your financial investment needs.  Contact them at (845) 339-5744 with questions or to schedule a personal appointment today!


Benefits of Fee-Based Services

As an advisory client, you'll enjoy the following benefits of our fee-based relationship:

  • Regular, personalized communication - fee based services rely on an ongoing relationship. We will meet one or more times a year to ensure your investment policy is tracking toward its goals. You will also receive regular Quarterly Performance Reports by mail that illustrate your progress. The regular communication can help you gain confidence in our investment strategy.
  • Greater transparency - in today's economic climate, transparency is a major factor in consumer confidence. When compared to commission-based services, fee-based services are much more transparent. Advisory fees are a fixed percentage of your accounts' values, and they are clearly displayed in your Quarterly Performance Reports.
  • A more disciplined approach to investing - markets inevitably rise and fall and trying to time the market can be difficult and costly. Following an investment policy helps to institute a methodical, disciplined approach to investing that can strike a balance between risk and reward.
  • A mutual incentive - my compensation, as your investment adviser representative, is a fixed percentage of your accounts' values. So, the performance of your advisory accounts is directly proportional to the fees I collect. I am genuinely motivated to grow your portfolio and preserve your wealth.

Preferred Asset Management & Prime Portfolio Services

The Preferred and Prime programs offer you asset management services that make it easier for you and your Investment Adviser Representatives to work together toward your goals.

Features include:

  • $50,000 minimum investment
  • Flexibility in asset selection (stocks, bonds, mutual funds, etc.)
  • Allocations customized to your personal needs
  • Tiered fee schedule with no commissions
  • Investment Product research and screening
  • Ad hoc performance and position reports
  • Monthly statements and quarterly performance reports detailing market outlooks and commentary
  • Convenient annual advisory fee
  • Analysis of current portfolio versus your recommended portfolio

For details contact Investment Advisor Representative Richard Jeffreys, CFP at (866) 440-0391, ext. 3233.


Ulster Savings Bank logo      Cetera Investment Services logo

Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC/NCUSIF insured *May Lose Value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Advisory Services Agreement and disclosure brochure as provided. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice. FINRA Registered Branch: 180 Schwenk Drive, Kingston, N.Y. 12401

View Cetera Investment Services' privacy policy and other important information.

Investment Executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

Wealth Management

We are committed to ensuring that persons with disabilities have access to our goods and services, including those offered through our website. If you have any feedback or questions regarding our website, please e-mail us at or call us at 1-866-440-0391.

Investment, Tax, Payroll and Insurance products and services offered through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc., subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.

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