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<strong>Your goals are our goals.</strong>

Your goals are our goals.

At SEP Financial Services, we work together, hand in hand, with all your goals and dreams firmly in mind. We get to know you, your spouse, and your family. We like to put faces with the names. So many of our clients are with us for many years, over generations. It is a pleasure to see them through the important milestones of life, education planning, home ownership, wealth management, weddings, grandchildren, travel and retirement...

"We love seeing our clients and friends reach their financial goals, whether it's living comfortably in retirement or buying their dream home! Nothing is more satisfying than to know, we assisted them in laying the ground work for achieving their personal financial success!" - Steve Plain, CPA/PFS

Trust. The first step on your path to financial wellness.

You and your partner have worked really-hard and made many sacrifices along the way.

Finally, you have a little nest egg and you want to see it grow...

Problem is, there are a million options out there and you have no idea where to start or most importantly, who to trust?

Choosing a Financial Advisor you not only trust, but who really listens to your ideas and believes in your goals is key in laying the foundation for a long-lasting relationship.

At SEP Financial Services, you will find that we listen to you (and your partner). We care about your relationship with one another…and with your money.

We will help you explore your individual and collective financial strengths and weaknesses and learn more about, what is keeping you both up at night?

Understanding the true picture of you will assist us in identifying your goals and creating a plan toward achieving them 

Money, just like marriage is a sensitive topic to navigate. Couples tend to bring their own thoughts and ideas about money into a marriage and often-times, find that they may not be on the same page in terms of spending and saving. 

A solid financial plan can help set you on the path toward finding financial wellness and reducing relationship stress.

Begin your journey toward financial wellness today. Call us 845-618-1700

Monthly Spotlight

Implementing a comprehensive, tax-inclusive approach to an individual’s financial situation will yield healthier financial & investment decisions. We’ve mapped out a comprehensive approach for every aspect of a financial Plan.

This month, we will take a deeper look into Education Planning.

September is College Savings Month!


  • 529 Plans allow individuals to contribute after tax funds that are used for qualified education expenses.


  • Starting in 2024, the SECURE Act 2.0 allows recipients to roll over unused savings into a Roth IRA, penalty free, if it benefits the same individual under certain conditions. 
  • Coverdell Education Savings Account (ESA) contributions are made with after tax dollars and used for qualified education expenses.


  • Coverdell ESAs can be used for K-12 expenses in addition to higher education costs. Contributions may be made until the account beneficiary turns 18 and the money must be withdrawn when the beneficiary turns 30 to avoid penalties.
  • The Uniform Gifts to Minors Act (UGMA) and Uniform Transfers to Minors Act (UTMA) are savings and investment accounts that are often used for college expenses.


  • UGMAs and UTMAs take the form of a trust. Your child can use the UGMA or UTMA funds to pay for college; however, once that age is reached, your child can also use the money to pay for anything else.
  • The American Opportunity Tax Credit (AOTC) and the Lifetime Learning Credit (LLC) are tax credits available to eligible taxpayers.


  • The AOTC provides a tax credit of up to $2,500 per eligible student for the first four years of post-secondary education. The LLC offers a tax credit of up to $2,000 per tax return for any level of post-secondary education, provided the taxpayer meets certain income requirements.

(This is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your tax professionals).


Contact us today to learn more about how we can help! 845-618-1700


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