Tioga State Investment Services

Tioga State Investment Services offers clients access to a wide array of financial planning options, insurance plans and brokerage services through LPL Financial.  We will provide you with solid, unbiased advice, meaningful and timely information and easy access to investments and services that best fit your specific circumstances. Tioga State Investment Services has an office located in Owego, NY and services Tioga, Broome, Tompkins, and Chemung Counties. We are available to meet with you at our office in Owego or at a location that is convenient for you.

We offer suitable options from a wide range of providers of:

AnnuitiesBonds, Stocks & Other Individual Securities
Business PlanningDirect Investments
Estate PlanningFee-Based Asset Management Accounts
Life InsuranceLong-Term Care Insurance
Retirement PlanningTax Planning

Anne C. Catalano, CFP®, RICP®
Financial Consultant
Tioga State Investment Services Manager

Email: anne.catalano@lpl.com
Cell Phone: 607-341-5376

Credentials You Can Count On:

  • LPL Registered Representative
  • LPL Investment Advisor Representative
  • Life, Accident & Health Insurance licenses
  • LPL Registered Principal
  • Graduate of the College for Financial Planning
  • Retirement Income Certified Professional®
David Allen, PhD
LPL Registered Principal

Email: david.allen@lpl.com

Credentials You Can Count On:

  • LPL Registered Representative
  • LPL Investment Advisor Representative
  • Life, Accident & Health Insurance licenses
  • LPL Registered Principal
  • Fulbright Scholar
  • PHD from Columbia University
  • Professor Emeritus, City University of New York

Life Insurance – Find The Right Policy For You

Life insurance is not as simple as it once was. Finding what kind of life insurance policy meets your needs requires professional help. That is where we come in. At Tioga State Investment Services, we are not agents of any one company and we can shop around to find the best company and policy to fit your needs. If you already own a life insurance policy, we can review your current policy and evaluate whether you have the best policy available for your needs.

Long-Term Care Insurance – Know What To Look For

Long-term care insurance covers a range of custodial, social and rehabilitative services for people who need ongoing assistance due to chronic illness or disability. It can be used by anyone at any age, but is most frequently used by older adults who need assistance with essential physical needs, such as bathing, dressing or eating. There are many variables involved in determining whether long-term care coverage is right for you. Many people discover that their entire lifetime savings are depleted by the cost of long-term care. Why not protect your assets for the benefit of you and your heirs by purchasing long-term care insurance? Tioga State Investment Services can help you obtain reliable information and discuss the best possible long-term care insurance options for you.

Managed Accounts – We Are There For You

A managed account utilizes the financial professionals at Tioga State Investment Services and its service relationship with LPL Financial. Some people want to discuss their investment choices with a professional. They want to avoid commissions and sales charges, but are willing to pay a fee for professional management of their money. If you think this just might be an option for your financial needs, come in for a chat.

Retirement Planning – Plan to Enjoy Yourself

Retirement may be the end of your working years, but it’s just the beginning of what should be the most important phase of your life. When will your retirement begin…at age 55, 62, 67? What kind of lifestyle do you want to have? Few people realize that they should plan for their retirement as if they were planning a long vacation. Creating and implementing a plan can make your life less stressful and more enjoyable. Many of our clients have found that a financial plan helped them crystallize their goals and prepare for the lifestyle of which they have dreamed. Let us help you navigate along the road to your retirement dream. If you are a few years away, it is important than ever that you have a plan in place. We look forward to helping you pursue your retirement goals.

Brokerage Services – Making The Right Choices

If you already have a brokerage account with a different firm, why not find out if you could get better service and lower fees by transferring your account to Tioga State Investment Services? Our representatives have extensive experience investing across all asset classes. Investing can be a confusing – if not intimidating – and a time-consuming process, but it doesn’t have to be. Regardless of the financial stage of life you are in, you will need to consider what your investment objectives are, how long you have to pursue each objective and how comfortable you are with the risk. That is where we come in.

Business Retirement Plans – Retirement Plans For Your Business

Tax laws offer businesses many selections for their retirement plans. We will meet with you to discover your needs and plans to see what best suits you. If you currently have a business retirement plan, why not sit down with us and receive a complimentary review to see if it is the best plan for your needs. Recent changes in the law may mean that there are more options available to you. To find the best professional advice available, you don’t have to go far from home.

Estate Planning – Take Action To Protect Your Assets

Rising affluence and an aging population are expected to trigger a vast transfer of wealth over the next 30 years. With so much wealth changing hands, the need for estate planning is bound to increase among those who pass on assets. A variety of legal documents and tools can help ensure that your assets are distributed according to your wishes. We are experienced in working with your attorney and accountant in putting together an estate plan that will meet your needs. In addition to ensuring that your assets are passed on to those you intend, reducing taxes is a major purpose of estate planning. All of these reasons and more requires planning vigilance.

Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.
Not FDIC Insured  No Bank Guarantee May Lose Value 
 Not a Deposit  Not Insured by any Federal Government Agency

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, CA, CO, CT, FL, GA, IL, IN, MA, MD, ME, NC, NJ, NV, NY, PA, SC, UT, VA.

Tioga State Bank and Tioga State Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.