212-929-6933

Natalia Zimnoch – Zimnoch Financial Group

Health Insurance, Insurance, Investments
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    Copiague, NY
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About Us

Your finances under control — in Polish, on Long Island

Are you looking for someone to explain to you in Polish how Medicare works, what to do with your 401K after changing jobs, or what insurance actually makes sense? On Great Neck Road in Copiague, in an office overlooking a typical Long Island parking lot, Natalia Zimnoch leads conversations that change people’s financial perspectives. It’s not about selling products — it’s about a plan.

Why Zimnoch Financial Group:

  1. Individual approach to every client — Natalia analyzes your situation and tailors recommendations to your goals, she doesn’t sell off-the-shelf packages.
  2. Quick contact and availability — clients repeat the same thing: “Natalia answers the phone at any time.” No automated systems, no waiting.
  3. Licensed in 12 states, FINRA/SIPC — Registered Investment Advisor with credentials in NY, NJ, CT, PA, FL, TX, MI, CA, CO, NV, TN, NC. Your money is protected.
  4. Full service in Polish — from the first phone call to signing documents. No need to translate from English in your head.

Schedule a consultation — 631-760-7449

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1909 Great Neck Road, #200, Copiague, NY, 11726, USA
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Business Hours

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Poniedziałek, Wtorek, Środa, Czwartek, Piątek9:00 am - 5:00 pm
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Services

Financial analysis

A full picture of your finances in one place

Natalia will analyze your portfolio, liabilities, insurance, and goals — and show you specifically where you are losing money and what can be improved. You don’t get general advice; you get a plan tailored to your situation. The analysis also includes tax decisions that can save you thousands of dollars a year.

IRA Rollover (401K, 403B, IRA)

Changing jobs? Don't leave your retirement behind

A rollover from a 401K or 403B to an IRA gives you more control over your investments and often lower fees. Natalia will guide you through the entire process — from analyzing your old plan to choosing a new account. No tax penalties, no stress. Service in Polish at every stage.

Annuities — guaranteed lifetime pension

Steady income in retirement, without market risk

An annuity is a product that turns your savings into a guaranteed payout — every month, for the rest of your life. A good option if you don’t want to worry about stock market drops. Natalia will help you choose the type of annuity (fixed, indexed, variable) tailored to your age and retirement goals.

Investments

Your money should be working — not sitting in an account

From investment funds to portfolio diversification strategies — Natalia builds an investment plan based on your time horizon, risk tolerance, and goals. Securities are handled by LifeMark Securities, member FINRA/SIPC. Everything explained in Polish, without industry jargon.

Medicare

The right Medicare plan — without overpaying

Turning 65 or just lost your work insurance? Medicare has several parts and dozens of supplemental plans. Natalia will compare options, explain the differences between Advantage and Supplement, and help you choose a plan that actually covers what you need — without unnecessary costs.

Insurance

Protection for you and your family — life, health, disability

Life insurance, health insurance, disability insurance, and long-term care insurance. Natalia doesn’t just sell one policy — she analyzes your family and financial situation to choose protection that makes sense. If you have children, a mortgage, or your own business — this is a conversation you shouldn’t put off.

Precious Metals IRA — gold and silver

Retirement diversification with precious metals

A Precious Metals IRA allows you to hold physical gold and silver within a retirement account — with tax benefits. It’s a hedge against inflation and stock market drops. Natalia will guide you through opening an account, choosing metals, and managing the investment. Current bonus: when buying gold for at least $50,000 — get silver for free.

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Q&A

  • How much does a financial consultation at Zimnoch Financial Group cost?

    Service costs depend on the type of product. Insurance and annuities have no additional fees for the client, as the advisor’s compensation is covered by the insurance company. In the case of investment services, fees are discussed individually — Natalia will explain the cost structure before any decision is made.

  • Does Zimnoch Financial Group serve clients outside of New York?

    Yes. Natalia Zimnoch is licensed in 12 states: New York, New Jersey, Connecticut, Pennsylvania, Florida, Texas, Michigan, California, Colorado, Nevada, Tennessee, and North Carolina. Consultations take place both in the office in Copiague on Long Island and remotely — via phone or video.

  • What does a financial analysis include and how to prepare for it?

    The analysis includes a review of your investment portfolio, insurance, liabilities, retirement savings, and tax situation. Before the meeting, it is worth preparing the latest statements from 401K/IRA accounts, insurance policies, and income information. Based on this, Natalia will point out specific areas for improvement.

  • How does an IRA Rollover work and will I pay tax on transferring a 401(k)?

    A rollover from a 401K to an IRA is a transfer of retirement funds without tax consequences — provided that the money goes directly to the new account (direct rollover). The entire process usually takes 2–4 weeks. Natalia handles the documentation and contact with the previous employer so you don’t have to worry about the formalities.

  • How does an annuity differ from a regular retirement account?

    A retirement account (IRA, 401K) is a place where you accumulate savings. An annuity turns those savings into a guaranteed payout — monthly, quarterly, or annually — for the rest of your life. It’s like a private pension: you know exactly how much you will receive each month, regardless of what happens on the stock market.

  • What is the minimum amount to start investing through Zimnoch Financial Group?

    There is no fixed minimum — Natalia adjusts the strategy to your capabilities. More important than the starting amount is the plan: time horizon, risk tolerance, and goals (retirement, children’s education, real estate purchase). Securities are handled by LifeMark Securities, member FINRA/SIPC, which means additional protection for your investments.

  • When should I sign up for Medicare and what happens if I miss the deadline?

    The Initial Enrollment Period begins 3 months before your 65th birthday and lasts for 7 months. If you miss this deadline and do not have insurance from work, you may pay a penalty — a higher premium for Part B for the rest of your life. Natalia reminds clients of deadlines and helps choose a plan before the deadline.

  • What insurance is most important for a Polish family in the USA?

    It depends on the situation, but the three pillars are: life insurance (especially if you have a mortgage or children), health insurance (if you don’t have it from work), and disability insurance, which protects your income in case of an accident or illness. Natalia will help set priorities within your budget.

  • Can I transfer an existing IRA to gold and silver?

    Yes. You can transfer funds from a traditional IRA, Roth IRA, or rollover a 401K into a Precious Metals IRA without tax penalties. The account allows you to hold physical gold and silver in a certified depository. Currently, with an investment of at least $50,000 in gold — you will receive silver as a bonus. Natalia will explain the details during the consultation.

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