Investments

About Us - Our Approach

When it comes to your financial dreams, taking action is vital to your success. But that’s not always easy. You know where you are - and where you want to go. Our aim is to help you get there. As experienced financial advisors, we are committed to making your journey toward financial success as easy as possible.

If you’re like most investors, you want someone to walk you through the investment choices available to you. That’s where we can help. We can provide the in-depth knowledge necessary to assist you in identifying what investments are right for you. Whatever your goals or stage in life, we can help you make the right investment choices. We also provide a single point of contact to bring together our financial advisors with your own tax advisor and attorney.

With Cetera Investment Services as our broker-dealer, we work as a team to provide you with comprehensive and convenient service - all located in your local branch. It’s a unique synergy that supports you with the financial strength of a prominent national investment and insurance firm teamed with the comfort and security of a familiar face at a location you already know and trust.

Our financial services team can provide you with:

  • Building a comprehensive financial plan that is tailored to your unique situation: retirement planning, income planning, estate planning, life insurance planning, or legacy planning
  • Help organize and simplify your financial investments through consolidation of investments, robo advice products, and asset management portfolios
  • Access to in-depth knowledge of financial solutions and the confidence that you are working with an experienced financial planner

Meet Our Investment Team

Experienced registered representatives are available to meet with you at designated Ulster Savings Bank branch locations. Please contact one of our Registered Representatives listed below to receive more information about our financial planning services.

Photo of Richard Jeffreys, CFP

Richard Jeffreys, CFP

866-440-0391, ext. 3233

180 Schwenk Drive, Kingston
Check the background of this investment professional on FINRA’s BrokerCheck.

Photo of Lori Coombs

Lori Coombs

866-440-0391, ext. 6810

1208 Route 300, Newburgh
Check the background of this investment professional on FINRA’s BrokerCheck.

Photo of Albert Fenical, III

Albert Fenical, III

866-440-0391, ext. 3343

180 Schwenk Drive, Kingston
Check the background of this investment professional on FINRA’s BrokerCheck.

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 that illustrate your progress.
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
Our compensation is a fixed percentage of your accounts’ values. So, the performance of your advisory accounts is directly proportional to the fees we collect.

Preferred Asset Management and 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 an Investment Advisor Representative today at 866-440-0391.

Financial Planning Consultation

Please complete the form below to schedule a free, no-obligation appointment with one of our Registered Representatives.

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Life Insurance Solutions

Are you concerned about protecting your assets? If someone were to ask you to list your assets what would you include? Your home, your car… those are the obvious. 

But beyond your material assets, have your considered… your life, your health and your family's future? The loss of any one of those assets can have a significant impact on your family’s financial future. That’s why a consultative approach can help you determine just what coverage you need at the most affordable premium. 

Insurance Representatives are available to help you with your life insurance needs. Contact US today, toll free at 866-440-0391

Social Security Planning

A new generation is getting ready to collect Social Security. You may have many questions about things like: 

  • Rules and strategies for collecting your retirement benefits and coordinating Social Security with other sources of retirement income.
  • Why advance planning is essential and how some little-known rules can help you make the most of this very valuable benefit.
  • How the decisions you make today can have a tremendous bearing on the total amount of benefits you stand to receive over your lifetime.

Our educational workshop, ‘Savvy Social Security Planning: What Baby Boomers Need to Know to Maximize Retirement Income,’ helps Boomers understand the role Social Security will play in their financial future. 

Savvy Social Security Planning workshops are presented by Richard Jeffreys, CFP, Investment Advisor Representative. To reserve a spot at our next Social Security Planning workshop, please call Tina Tinnie at 845-338-6322, ext. 3352.

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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.

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