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Nicholas Tuck Photo

Nicholas Tuck

Founding Partner
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Nicholas S. Tuck

FOUNDING PARTNER, SR. Wealth advisor



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.

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Robert "Bob" Howerter

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Robert Howerter





Robert Howerter is an Investment Advisor Representative with over 20 years experience in the industry. Bob holds his FINRA Series 7 License along with his Life and Health Insurance licenses. Prior to entering into the investment world, Bob graduated from East Stroudsburg University, where he earned his Bachelor of Science in Business Management and was a National Collegiate Awards winner with the U.S. Achievement Academy.

Bob is actively involved in professional associations such as the Million Dollar Round Table, where he achieved Court of the Table Honors*. He is a member of the Financial Planning Association and services on the numerous industry boards.

In addition to his professional affiliations, Bob believes strongly in commitment to community. He volunteers his time and has served on the boards of the Town of Wallkill Little League, Mamakating Rotary club, Boy Scouts of America and Saint John’s Lutheran Church.

Bob lives in Middletown, New York with his wife Kim and his children, Bradley and Katherine. His strong family and community ties have helped him provide his clients with a financial roadmap to help build a sound financial future together.

“Over the last 20 years it has been an honor to help friends and neighbors pursue their financial goals.”

Bob’s experience and commitment to his clients have made him a valuable asset at Quest Financial Services. As an independent Financial Services Firm, Quest Financial gives Bob and his clients a comprehensive financial planning platform that helps them address the complex financial challenges of today. Quest strives to be widely recognized as one of the leading independent wealth management and advisory firms in the financial services industry.

*The Million Dollar Round Table is an independent association. Membership is based on production and does not qualify a financial professional to provide investment recommendations or advice.

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Kenneth Flood

Vice President
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Kenneth Flood

vice president



Kenneth Flood, a 30 plus year veteran in trusts and managed investment portfolios, has joined the ranks at Quest Financial Services, an independent financial advisory firm focused in the development of comprehensive financial plans.

Ken, who has been named Quest’s newest vice president, recently retired from an affiliate of Orange County Trust Company. Prior to joining Quest Financial Services, Flood increased investment assets from $50 million to $160 million through the growth of individual portfolios and the acquisition of new business. He also implemented both a mutual fund trading platform and several new trust accounting systems at other financial institutions.

“I always learn about the personal stories associated with each of my clients so that I can make a real connection and develop lasting relationships,” Ken said. “It’s not about closing business; it’s about being a trusted resource for individuals and families who need reliable and comprehensive personal financial management.”

Flood is a graduate of State University of New York at Oneonta and St. John's University Graduate School. He also completed Marist College’s Certified Financial Training Program. He is a past director of the New York State Bankers Trust Operations Committee and a past president of the New York State Fiduciary Fund.

“We are so pleased that Ken decided to bring his incredible knowledge of the investment industry to our firm,” said Robert Cepeda, a founding partner of Quest Financial Services. “He has already had a positive impact on our collaborative planning efforts, and we look forward to providing our clients with an even higher level of confidence in the trust and estate planning arenas.”

A longtime Hudson Valley resident, Flood is a member of the Middletown YMCA’s Board of Director, as well as a member of its Executive Committee. He has also contributed his time to the Minisink Valley Soccer Booster Club, Middletown Youth Soccer, and Minisink Youth Soccer.

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Sandeep Patel

Financial Advisor
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Sandeep Patel




Through his 20 year career in the financial services industry Sandeep Patel has learned to truly understand the needs of his clients. He strives to listen carefully to their challenges and objectives with unbridled support through fruition. He recognizes the value of financial planning. In fact, this guidance laid the groundwork for his entire career. Sandeep states, "My parents came to the US from India over 45 years ago with a dream to better their lives. I saw the struggles my parents endured when I was growing up and later, I was fortunate enough to reap the benefits of their perseverance."

Sandeep's career has led to significant travel throughout the United States. He uses his background in LIfe, Accident and Health Insurance to complete the comprehensive services his client's require. He considers the position of financial planner to be the go to person in time of need and the captain as you navigate through life.

Sandeep is a graduate of NYU Stern School of Business with a degree in Finance. He also holds Series 7, 63 and 65 Securities License and is licensed in Life, Accident and Health Insurance.

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Roger Pikul Jr., MBA

Senior Financial Advisor
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Roger Pikul Jr., MBA

senior financial advisor




Client relationships are key for Roger Pikul Jr. of Quest Financial Services. As an experienced financial advisor, Roger says building a long-term relationship with his clientele is absolutely essential to providing the best possible service.

“I want to get to know my clients and understand what they want to accomplish and help them work towards their goals. My aim is to build a true professional relationship that will benefit my clients for years to come.”

In addition to his investment experience, Roger offers a number of specialized services:

  • Retirement Planning
  • Wealth Distribution
  • College Funding Plans
  • Business Retirement Plans
  • Small Business Consulting

Roger has devoted his life to work in the financial services industry. Roger studied Business Administration at SUNY New Paltz and went on to earn his Master’s Degree at Long Island University, specializing in Finance. He holds a Series 7 Securities Registration and is licensed in life, accident, and health insurance. Because Quest is a fully independent firm, Roger is free to put his clients’ interests first when providing financial services.

Roger emphasizes the importance of explaining financial issues to his clients in terms that are clear and easily understood.

“At the end of the day, I want my clients to feel comfortable and to be able to sleep at night.”

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Anthony Natrella

Financial Advisor
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Anthony L. Natrella

Financial advisor




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.

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Senta Curran, MBA, CFP®

Financial Advisor, CLU®, CFP®, CHFC, CLTC, MBA
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Senta Curran, MBA, CFP®

Financial advisor




Senta Curran brings three facets essential to the success of the Quest Financial Services team and the accomplishment of the shared goal to provide personalized service. Senta has a burning passion to help others, an unquenchable thirst for learning and the solid foundation of decades of experience.

Senta states, "This business is about building strong relationships, understanding the essential needs of your clients and delivering on your promises." She holds a strong belief that a financial planner's job goes beyond the numbers. She adds, "If you are doing your job well, you are there through life's difficult and prosperous times alike, you are a coach, advisor and confidant." Senta has followed her thirst for learning to gain two bachelor's degrees, a Certified Financial Planner designation and an MBA (Master of Business Administration) ChFC (Chartered Financial Consultant) CLU (Chartered Life Underwriter) CLTC (Certified for Long-Term Care.)

She adheres to the belief, "Those who dare to teach, must never cease to learn." It is her intention to utilize this knowledge base to empower women through Women's Quest, a local symposium dedicated to Investing In The Success of Women. Senta says, "According to FAmag.com, nine in ten women will, at some point in their lifetime, be the sole financial decision-makers for their household. My goal is to continuously explore ways to open this vital discussion and assist women with making important fiscal decisions." She embraces this role and has dedicated her career to this responsibility.

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John Karas

Insurance Consultant
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John Karas

Insurance Consultant



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.

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Dan Vobroucek

Financial Advisor
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Dan Vobroucek

senior financial advisor




Dan has always had passion for helping people reach their goals and an interest in finance. Early in his career he enjoyed working as a life coach for developmentally disabled individuals. Through this endeavor Dan learned the value of excellent communication and goal setting.

Dan insists a trusting advisor-client relationship is imperative to creating, and implementing a financial plan. He goes on to say, “I want to know my clients unique personal stories and financial situations, so I can develop lasting relationships. When the markets are positive It’s easy to get by without an advisor. It's during the difficult times that I want to be here for my clients the most”.

From a young age, Dan studied the financial markets. He believes learning is a life-long process. Dan states, “To me true success means learning and growing every day. Here at Quest I have the opportunity to learn every day from advisors who have a wide array of experience”.

Dan holds FINRA Series 7 and Series 66 Investment Advisory Securities Licenses as well as his life, accident, and health insurance license. Dan is a native or the Hudson Valley. He contributes to the community by coaching youth hockey around the Hudson Valley.

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Darren McCarthy

Business Development
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Darren T. McCarthy

Director of Business Development

845.294.1313 EXT 103


Darren joined the Quest team to provide efficient communication through client service, daily operations, marketing solutions and overall business management. He comes to Quest Financial Services with 15 years’ experience as a successful business owner. He founded Sound Foundations for Learning, Inc. where he provided assessment, consultation and services for children with learning challenges such as dyslexia and attention deficit. He also founded the Non-Profit Association for Learning Intervention. In addition to his educational experience, he was the president of Moyers Learning Systems. Through this endeavor he grew a network of learning specialists to 5,000 members in 9 countries through the course of 8 years. As Senior Director of Communication, Darren is responsible for developing and managing the organization's communications strategy to support key business objectives. Darren McCarthy is a Goshen High School and New Paltz graduate. Darren is married to Karen. Together, they are excited to be returning to the Goshen area with their 2 small children.

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Bill Niederauer

Investment Advisor
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Bill Niederauer

Investment ADVISOR


845 294 1313


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.