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We’ll Be Your Personal CFO

A trusted partner who delivers clear solutions to reach your financial goals so you can focus more on enjoying the pleasures in life.

Learn About Our Services


Why Seek Advice

Goals change. Life becomes even more unpredictable. Is your current financial plan right for you and your family?



The Solution

As your personal CFO, we’ll provide you with:


Goal management

It’s not just about knowing where you want to go; it’s being able to plan how you’re going to get there.

Emotional guidance

With money comes feelings, but that doesn’t mean they have to cloud your judgment or vision.


Ongoing education

Understanding why you’re taking certain steps is just as important as executing upon your strategy.

Strategic coordination

Collaborating with your tax, legal and accounting professionals enables a streamlined process throughout our partnership.



See If We'd Make a Good Fit

Our Team

Philip Settembrino, WMCP® Photo

Philip Settembrino, WMCP®

President and Owner
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Philip Settembrino, WMCP®

President and Owner of Northern Westchester Financial Services

After working with another firm since 2001, Philip Founded Northern Westchester Financial Services in 2016 to provide his clients a place where they can receive holistic, transparent, unbiased, goal-based advice. Recognizing client’s need for holistic financial advice outside of just selecting investments, Philip formed NWFS with a team that helps serve as a Personal CFO to their client base, creating solutions built around well-constructed financial plans not complicated investment products.

Growing up in Yorktown Heights, Phil is proud to be a part of the community. He has served and worked with several local organizations and has been working with clients in and around the surrounding area since 2001. Phil has built his business on trust, confidentiality, and exceptional client service. His goal is to create a comfortable atmosphere which facilitates education and open communication for clients to discuss their questions and concerns. Phil believes that in order to achieve financial success you must establish a strong plan which is properly monitored and maintained.

Phil has been recognized as a top adviser within his broker dealer Cadaret Grant since 2006, along with receiving Directors Counsel and Preferred Partner recognition with various mutual fund and annuity companies. From 2009 through 2012 he has been selected as Best in Client Satisfaction Wealth Manager by Westchester Magazine along with being quoted in several local news publications. In addition to obtaining the Series 7, 63, life and health insurance license, Phil holds the Certified Wealth Management certification through the American College of Financial Services and is a Magna Cum Laude graduate of the University of Hartford with a degree in Economics Finance.

In his spare time, Phil enjoys spending time with his family, living an active lifestyle. He lives in Dutchess County, NY with his wife Andrea, son Anthony and daughter Ava.

Elizabeth Bartolotta Photo

Elizabeth Bartolotta

Client Service Associate
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Elizabeth Bartolotta

Client Service Associate of Northern Westchester Financial Services


Elizabeth assists clients with their service needs and ensures that our firm delivers an excellent experience. Elizabeth has a Bachelor’s degree from Iona College. And with over 18 years of client servicing experience in the financial services industry, she brings a tremendous amount of knowledge to our firm.  Outside of work, Elizabeth enjoys spending time with family & friends and cheering from the side lines at her sons’ sporting events.

Bill Longhi Photo

Bill Longhi

Client Relationship Manager
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Bill Longhi

Client Relationship Manager of Northern Westchester Financial Services


Bill has been working with Philip since 2015, carrying his Series 7 and 63 Licenses with FINRA and has a deep understanding of investments – more specifically our firms plan based process.  His responsibilities include working with clients to build out financial plans, perform trades, execute recommendations, and provide ongoing client support.  Bill has been working within the Financial Services Industry for almost nine years with larger companies such as Wells Fargo and Prudential.  He holds a Bachelor of Science Degree with a concentration in Finance and Marketing from Manhattan College and currently resides in Westchester, NY with his wife Grace.  In his spare time he enjoys golf, playing music, and cooking and entertaining with friends and family.   

Our Firm


Never Satisfied with the Status Quo

And always striving for excellence.

Financial planning is more than just a service; it’s the lifeblood of your future. Without having a customized approach and strategy to manage your wealth and make financial decisions, life can often feel like it’s in limbo — changing and evolving, but never on a defined path. If you’ve been feeling like you’re simply moving through the motions, we can help you take action with purpose, instead of apprehension.

What does it mean to be a Northern Westchester Financial Services client? It means that you’ll never feel alone. There is never any reason to be ashamed or afraid because chances are, we’ve made similar mistakes in our journey to becoming smarter, more effective decision-makers. As long as you’re committed to improvement, we’ll be here to guide you every step of the way.


Why You Might Work With Us


You’re looking for someone you can trust.

It can be difficult to find an advisor you can truly depend on. At Northern Westchester Financial, our goal is to provide you with the peace of mind you need to feel confident in your decisions, all while remaining focused on your bottom line — the objectives that matter most to you.


You’re unsure about the direction you’re headed.

If you are questioning your current financial plan and whether or not its aligned with your goals and interests, we can provide a simple, clear and concise roadmap for your future that offers the clarity necessary to remain in control of your financial future.


You run your own small business.

From setting up a 401(k) plan to crafting buy/sell agreements, we help business owners just like you fine-tune details, as well as eliminate any unnecessary barriers so your future pursuits have the room they need to grow and succeed.


Learn About Our Services


Financial Products Don’t Breed Success

Well-constructed financial plans do.

At Northern Westchester Financial Services, our relationships aren’t based on financial products, but rather focused on our team serving as your number one resource for all your planning needs. By focusing on your own unique goals, we’re able to foster a client experience that encourages ongoing communication and collaboration.


Our comprehensive financial planning services include:


Retirement planning

Have a purpose for every dollar you earn, save and invest while staying ahead of any potential changes and implications.

Estate planning

Create a roadmap for your legacy — one that follows your vision for the future and protects your wishes from uncertainty.

Insurance solutions

Secure your well-being, assets and legacy with hand-picked coverage plans built with your best interests in mind.

College planning

Exceed their expectations for their life past graduation with a clear-cut strategy to achieve their higher education dreams.


Learn How We Do It


Guiding You Towards the Light

While providing ways to get through the tunnel.

Let’s be honest — life is complicated enough. That’s why we made sure our process is simple and straightforward, regardless of what needs may arise. If there’s anything you need to know about us, it’s that we value our relationships just as much as the work, because helping people live with less stress and more purpose is what drives us to do better every day.

Always open to your own suggestions and input, we want to make sure you have a safe space to share your concerns, get your questions answered and discover new ways to manage your finances.


Questions?


FAQ

Get Answers to Your Questions

And if you don’t see your question below, visit our contact page.

 

How many years of experience do you have?

 


 

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What is a broker-dealer and who is Cadaret Grant?

 


Insights

Hear from Our Very Own Advisors

And gain valuable insight into the financial world.


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As your personal CFO, we look forward to taking a load off your shoulders so you have more time to pursue your passions, spend time with your family and enjoy life’s pleasures.



Client Portals

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By logging in to our two main client portals.