Natalia Zimnoch – Zimnoch Financial Group

It depends on the service. Insurance and annuity consultations don’t cost the client anything, as fees are covered by the insurance company. Investment services have individually discussed fees, fully transparent before you sign anything. Natalia explains exactly what you’re paying for and where commissions come from before any decision.

Yes! Natalia is licensed in 14 states: NY, NJ, CT, PA, FL, TX, MI, CA, CO, NV, TN, NC, SC, WA, and VA. Consultations can be held in our Copiague office, by phone, or via video conference. Remote services are just as efficient as in-person-you sign documents electronically and review portfolios via screen sharing.

A financial analysis reviews your investment portfolio, insurance, retirement accounts (401K, IRA), loans, and tax situation. The goal is a concrete action plan, not piles of paperwork. Before your meeting, gather your latest retirement statements, insurance policies, and last year’s tax return. Natalia will sort through them, pinpoint fees you may be overpaying, and suggest improvements for the next 12 months.

A direct rollover transfers funds from a 401K to an IRA without taxes or penalties, because the money never hits your bank account. The process usually takes 2–4 weeks. Natalia handles the paperwork, contacts your former employer, and tracks the transfer-you simply sign the forms and wait for confirmation.

A retirement account (IRA, 401K) is for accumulating savings-the value can fluctuate with the market. An annuity is a contract with an insurance company that guarantees payouts-monthly or for life-regardless of market conditions. Annuities reduce the risk of outliving your savings but have a surrender period (5–10 years) with penalties for early withdrawal.

There’s no strict minimum. Strategies are tailored to your financial situation, goals, and risk tolerance. Whether saving for retirement, college, or real estate, the focus is on consistency and planning. Securities are managed by LifeMark Securities (FINRA/SIPC), ensuring federal investment protection.

The Initial Enrollment Period starts three months before your 65th birthday and lasts seven months. Missing this window without employer coverage results in a 10% lifetime Part B premium increase per year missed. Natalia tracks deadlines and contacts clients ahead of time to prevent costly mistakes.

Three main protections: Life insurance – especially for mortgages or young children. Health insurance – if not provided by work, you may qualify for subsidies via the Marketplace. Disability insurance – protects income if you can’t work due to illness or accident. Long-term care insurance is also important-Medicare doesn’t cover nursing home care, which can exceed $12,000/month in New York. Natalia assesses your full situation before recommending policies.

Yes. Funds from a Traditional IRA, Roth IRA, or 401K rollover can be transferred to a Precious Metals IRA without tax penalties, via a direct rollover. You can hold physical gold and silver (coins/bars, minimum 99.5% purity for gold) in a certified depository. Currently, with a minimum gold investment of $50,000, Zimnoch Financial Group offers a bonus in silver, details of which Natalia explains during a consultation.