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Your life is unique.
Your journey is one of a kind.

Your connection with money is a result of your history and personality.

You may be fiscally conservative, moderate or aggressive. Or, you may be adventurous in life and conservative with money.
No matter what your situation and outlook may be, your story deserves to be heard. 

Tell Us Your Story

Let us be your guide.

Helping people reach for their dreams each and every day makes our practice thrive!

Our goal at QUEST is to invest sensibly, strive to preserve money and work to protect your personal interests. If that aligns with your vision, we’d love to serve you.

Tell Us Your Dreams

We are accountable to you. We say what we do and do what we say.


QUEST Financial Services is proud to be an independent financial services firm.


Learn More

What We Do:

We guide you to bridge the gap between your current situation and future financial goals. 

 We help you make more informed and effective financial decisions which are designed to help you feel relieved, confident, self-assured and empowered about your wealth. 


 





Let us be your guide

Your connection with money is a result of your history and personality. You may be conservative, moderate or aggressive. You may be seeking knowledge in wealth, health or small business. Or, you may be adventurous in life and conservative with money. No matter what your situation may be, your story deserves to be heard. Our advisors are well-versed in an array of services and they are ready to listen intently.

Schedule A FREE / NO obligation Appointment


INVESTMENT Services

It’s easy to feel confident about your financial future when the economy and markets are good. When the situation isn’t as positive, you may be tempted to react emotionally. But those are the times when carefully reasoned decisions are the most important. We take the time to get to know you and understand your unique circumstances to create a plan to make the most of growth opportunities while addressing your risk tolerances to give you the confidence to ride out bumps in the road.

WEALTH Management

Quest Financial Services advisors don’t focus on investments. We focus on you. We take a client-centered, holistic approach to coordinate all the services you need to manage your money and create a plan to meet your family’s current and future needs. We’ll consider investments from stocks and bonds to annuities and alternatives. We’ll review retirement plans and company stocks. And we’ll address college funding, if need be. Once we create a plan together, we’ll meet regularly to update your goals, review and rebalance your portfolio and determine whether additional services are needed. 

RETIREMENT Planning

Retirement planning should be dynamic. Family situations change. Health issues may arise. Living costs fluctuate. Your projected financial needs in retirement need to be evaluated and addressed on an ongoing basis. And it’s important to plan for income distributions during retirement far in advance to maintain portfolio growth and minimize tax consequences. One way we may help you do this is by segmenting your assets into safe, liquid short-term investments and long-term investments with higher growth potential.

PROTECTION Planning

No matter how well you’ve saved and how well your portfolio has performed, events beyond your control could put what you’ve achieved at risk. We’ll help you develop a sound insurance strategy to protect your family from potential events that could threaten your family’s financial security. Together, we’ll consider liability, disability, life and long-term care insurance, as well as annuities to create a strong base to protect your assets and your loved ones at the best available cost. 

BUSINESS Planning

Our advisors focus on the big picture for our small business owners. As a larger firm, we have access to in-house advisors with a variety of specialties. We also have strong relationships with trusted attorneys, CPAs and long-term care specialists who share their valuable expertise with our clients. Together, we provide retirement planning, employee and executive benefits – from 401(k)s to pension and profit-sharing plans, multiple insurance products, income tax planning, succession planning and investment services.

ESTATE Planning

It’s common to put estate planning off. It’s unpleasant. It’s complicated. It’s hard to know what questions to ask and where to start. We not only know the right questions; we know where to find the right answers. We work with excellent estate planning attorneys who can help you work through the decision-making process to create documents that ensure your healthcare wishes are carried out and designate someone to manage your financial affairs if you can’t, and a plan to preserve your legacy and provide for your loved ones.

EDUCATION Financial Planning

Today, saving for both retirement and college can be more challenging than ever. In part, because people are living longer – which means more money has to be set aside for the added years you can expect to live. In addition, many parents are waiting longer before starting a family – and that means fewer years between their children finishing college and normal retirement age. Add in already high college costs and it becomes evident that, for most parents, saving for your own retirement and your children’s college education can be a daunting task to accomplish. However, with some careful planning, it is possible to take the sting out of college costs and save more for retirement.

PHILANTHROPY Strategy

Philanthropy can be a complicated process. There are questions related to taxation, contribution limitations, structure and list goes on. When you are ready to consider giving and your legacy, you’ll surely have questions. Quest Financial advisors can answer these questions and craft the giving plan that works best for your life, lifestyle, and legacy goals.

TAX Strategies

Building and reserving greater wealth requires careful and consistent tax planning throughout the current year and for the years to come. Some taxes can be deferred; others can be managed with tax-efficient investing. We can work with your tax professional or a CPA in our network with the goal to minimize taxes from capital gains and income distribution plans; to make the most of tax-advantaged college saving, health saving and retirement accounts; and to create gifting and wealth transfer strategies to preserve your legacy.    


Achieve a work-optional lifestyle


Your goals are the driving force behind our financial guidance.

THE TEAM

Your advisors at Quest Financial recognize the importance of collaboration. We built our team with the knowledge that specialization and deeper expertise characterize top performance. We are dedicated to providing a service model that reinforces the team approach and yields the quality our clients deserve.

Many of our advisors are available for speaking engagements. Learn more about current topics.

Robert Cepeda, CFP® Photo

Robert Cepeda, CFP®

Founding Partner
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Robert Cepeda

Founding Partner, CFP®

GO TO ROBERT'S PAGE SCHEDULE APPOINTMENT

845.294.1313

robert@questfinancialservices.com

Robert Cepeda, CFP®, is a managing partner and senior wealth advisor for Quest Financial Services. He is also a Certified Financial Planner™ (CFP®), the recognized standard of excellence for competent and ethical financial planning, and holds a series 24, 7, and 63.

Robert’s 25 years of experience in financial advising has taught him that the cornerstones of any successful financial plan are openness, careful listening, and follow-through.

He invests time with his clients, allowing him the ability to gain a thorough understanding of his clients’ short- and long-term goals so that he can carefully match each client with financial security products and services.

Robert is effectively supported by an experienced team of professionals whose teamwork and varied competencies help him build long-term relationships with his growing client base and provide excellent customer service.

Once a custom-tailored financial plan is in place, Robert maintains close contact with his clients to monitor any achievements and goals previously outlined.

This approach has been the foundation of his practice from the early 90's and remains the cornerstone for his work as a CFP® in the Hudson Valley today.

Robert has been a featured speaker, and developed numerous educational events including Rebuild Your Life after Divorce, Women & Investing, and Get Your Financial House In Order.

Robert is also the author of Your Journey Goes On: 25 Plus Years of Observations by a Financial Advisor, a book that utilizes personal and professional experiences with an anecdotal and conversational tone to discuss financial planning for every stage of life. The release of his book was covered by outlets such as Cision, Yahoo! Finance, MarketWatch, 360WiseMedia, InvestorPlace, and more.

Robert is a graduate of The University of Rochester with a degree in Economics and Certificate of Management in Accounting & Finance. 

Your Journey Goes On: 25 Plus Years of Observations by a Financial Advisor is available in both paperback and Kindle download at www.amazon.com/dp/1077907303.

Robert’s practicing history can be reviewed at brokercheck.finra.org.

SCHEDULE APPOINTMENT

Nicholas Tuck Photo

Nicholas Tuck

Founding Partner
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Nicholas S. Tuck

FOUNDING PARTNER, SR. Wealth advisor

GO TO NICK'S PAGE

845.294.1313

Through a storied career spanning over 25 years, Nicholas Tuck championed the effort to create, develop, and grow Quest Financial Services. He is a founding partner and a senior wealth advisor with an unbridled determination to provide comprehensive wealth management and world class service. Nick developed his skill for careful planning through a prominent Wall Street firm. With a solid foundation beneath him, Nick decided to return to his roots in Orange County, NY. He has always held a strong desire to service the people of his community he admired throughout his childhood.

"My goal is to make a difference in the lives of my clients.  I listen intently, put myself in the trenches with the client and strategize a comprehensive plan. I've seen time and time again and the result is tremendously rewarding", states Nick.

He holds the series 7 and series 63 registrations and a life, accident and health insurance license.

Nick is dedicated to the community and highly involved with local foundations. He is along term resident of Orange County with his wife, Adrienne and two daughters.

Anthony Natrella Photo

Anthony Natrella

Financial Advisor
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Anthony L. Natrella

Financial advisor

GO TO ANTHONY'S PAGE

845.294.1313

tony@questfinancialservices.com

Anthony Natrella has been providing comprehensive financial planning services to individuals and small businesses since 1994. While proficient in all aspects of financial planning, his experience is in wealth accumulation and retirement planning. His strategic approach in assessing portfolios and creating strategies is designed to help his clients plan for financial independence and to retire with confidence.

“As an independent investment advisor I am determined to provide my clients with unbiased analysis. Truly independent research enables me to choose investments solely on the merits of their suitability and provide my clientele with strategies based on their unique time horizon, financial objectives, risk preferences, and tax considerations. The most important thing today is that you have someone you can trust. “

Anthony lives in Orange County NY, which his wife Karen and two children. Prior to joining Quest, Anthony was a Senior Associate for a Wall Street based firm and is a veteran of the U.S. Navy.

John Karas Photo

John Karas

Insurance Consultant
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John Karas

Insurance Consultant

GO TO JOHN'S PAGE

During his storied career, John Karas has continuously pursued education and knowledge about health insurance in business. He enjoys sharing this knowledge at every opportunity. Assisting small to medium sized businesses in analyzing their employee benefit needs, John is experienced in the creation of benefit plans that serve both business owners and their staff.

With more than 25 years of experience in his field, John provides a full range of solutions for cost-conscious employers:

  • Small to Medium Employer Group Benefits
  • Medicare/Senior Consultant
  • Life Insurance
  • Health Savings Accounts (HSA) & Health Reimbursement Accounts (HRA)
  • Analysis of Pension Plan Designs including 401 (k) DB
  • Group Life, Dental and Section 125/Cafeteria Plans
  • Group and Individual Long Term Care
  • Accidental Death and Disability Group Plans

As business benefit coverage becomes increasingly complex and costly, employers can save valuable time and money by consulting John S. Karas and his support team at Quest. John says it is crucial to explore all of the options. As business benefit coverage becomes increasingly complex and costly, it is important for employers to regularly review the options available to them. John and his support team at Quest can assist.

As an independent consultant, John offers benefit plans to business owners without corporate bias. “My relationship and commitment to the client is paramount,” says John. John is well-known locally for his involvement in community activities as well as his high-profile position with the Grammy Award-winning Jimmy Sturr Band.

Bill Niederauer Photo

Bill Niederauer

Investment Advisor
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Bill Niederauer

Investment ADVISOR

GO TO BILL'S PAGE

845 294 1313

bill@questfinancialservices.com

Bill has dedicated his career to educating financial advisors, business owners and private investment individuals. He built his foundation while working with Alliance Bernstein. This experience lit a path to join Prudential where he spent well over a decade as an external wholesaler. Bill was in the trenches with advisors up and down the Northeast hosting speaking engagements and instructing individuals on a variety of investment topics.

He has a true passion for both learning and sharing his knowledge. He is a sought after speaker and investment strategist. Bill is also a proud member of S.O.F.A , The Society for Financial Awareness, a non-profit public benefit corporation with commitment to provide financial education across America, one community at a time.

This industry is highly competitive and requires a degree of adaptation. Bill brings the same competitive vigor which made him a successful Division 1 football player to assisting his clients. He listens intently, builds a tailored plan and guides individuals to reach their investment goals.

Currently residing in Bergen County, NJ. Bill, his wife and two daughters actively assist with public school efforts and local community endeavors.  

Using wealth to empower a life well-lived

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Contact Us:


Goshen

30 Matthews St. Suite 301
Goshen, NY 10924

P: (845) 294-1313
F: (845) 294-1326

Mon-Fri: 9 AM - 5 PM
Evenings & weekends by appointment

Warwick

7 Grand St.
Warwick, NY 10990  

P: (845) 527-9437
F: (845) 294-1326

Mon-Fri: 9 AM-5 PM  
Evenings & weekends by appointment