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Financial & Retirement Planning |
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Financial planners provide general financial planning services. Some financial planners are also registered to provide specialized services. They may be registered as investment advisers, or they may hold insurance or security licenses that allow them to buy or sell those products. Ethical financial planners will refer you to another professional, such as an Accountant or Stockbroker, for services that they are not qualified to supply. Financial planners can earn designators through a regulatory organization for the services they provide, but are not regulated by the government as "financial planners". This means that anybody can call himself or herself a financial planner. Many financial planners have earned Certified Financial Planner®(CFP) certification, or the Chartered Financial Consultant (ChFC), or Personal Financial Specialist (CPA-PFS) designations.
Financial planners can receive payment for their services in a number of different ways, including a salary from the company they work for, by fees based on an hourly rate, a flat rate, or a percentage of your assets and/or income, by commissions from a third party based on investment products sold to you, or by a combination of fees and commissions. For a complete list of financial planners, see the Yellow Pages in your Telephone Book under "Financial". Also refer to the CFP Board of Standards at www.cfp-board.org or call toll-free
1-800-487-1497.
| Action For Older Persons, Inc. | |
| Offers unbiased information, referral, and consumer
literature on retirement planning. Seminars are offered
by local professionals and experts on topics such as,
personal security and preventing identity theft, health
and wellness, legal affairs, income and investments.
In-house and community–based seminars for consumers
may be adapted upon request for businesses
wishing to offer worksite programs for their employees
and/or patrons. |
| Consumer Credit Counseling Service | The MetroCenter, 2nd Floor
49 Court St.
Binghamton, NY 13901
(607) 723-2671
(800) 479-6026
(607) 723-3007 (fax)
Hours: 8:30 a.m. - 5 p.m., Mon. - Fri.; plus some evenings and Saturdays - call for times.
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| Trained counselors provide free and confidential budget, debt and financial counseling, and make creditor arrangements. Also provides information on reverse mortgages. Call for appointment. |
| Social Security Administration | Room 102
15 Henry St.
Binghamton, NY 13901
(866) 964-3971
(607) 773-2649 (fax)
Web: http://www.ssa.govHours: 9 a.m. - 4 p.m. (Closed holidays) |
| Provides information and services regarding Social Security, Medicare, Supplemental Security Income, and Social Security Disability. |
| Housing Counseling Services | |
| Offers information and counseling for mortgage/foreclosure prevention, budget and credit counseling, first time buyer pre-purchase and post-purchase counseling, and referral services for reverse mortgages. |
Also refer to the Trust Department of your bank. | Action For Older Persons, Inc. | |
| Advanced Planning for End of Life (APEL) Program
offers unbiased information and referral on the legal
and financial aspects of planning for the last phase of
life. Resources include consumer literature, a comprehensive
“Preparing Now” seminar series offered annually,
and seminars presented by legal and financial
experts. Seminars/classes are designed for consumers
as well as businesses wishing to offer worksite programs. |
| Broome County Bar Association | |
| Provides referrals to attorneys for 30-minute consultation for a fee of $25.00, payable in advance. Walk-in payments can be made between the hours of 2-5 p.m. |
| Legal Aid Society of Mid-New York | 19 Chenango Street, 2nd Floor
Binghamton, NY 13901
(607) 231-5900
(607) 724-7211 (fax)
Email: cbunzey@wnylc.com
Hours: 9 a.m. - 5 p.m., Mon. - Fri. |
| Provides free legal advice and representation in civil court and administrative forums. Areas of representation include welfare, Social Security, Supplemental Security Income (SSI), unemployment compensation, housing, issues affecting low-income residents, divorces (limited basis), and senior concerns, including simple wills and powers of attorney, sponsored by Broome County Office for Aging. |
Also see:
Crisis Intervention
Food Assistance
Government Programs
Health Insurance
Home Repair, Adaptation & Weatherization
Taxes
| 55 Alive Driver Education Program | |
| For drivers age 50 and older, results in a discount on car insurance. Call toll-free number, an automated message center, leave your name and number. A volunteer will call back within a week to schedule your class. |
| Project Concern - Chenango/Fenton | 23 Kattelville Rd., Box 24
Chenango Bridge, NY 13745
(607) 648-2492
(607) 648-4915
Hours: 2- 4 p.m., Mon. - Fri., 8 a.m. - noon, Saturday.
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| Provides clothing, and basic necessities to those in need. Volunteer options available |
| Salvation Army | |
| Provides food pantry, clothing, and furniture. |
Nearly New Shop
c/o Ladies of Charity | 100 Main St.
Binghamton, NY 13905
(607) 723-0194
Hours: 10am-3pm, Tuesday, Thursday, Saturday; 10am-12:30pm, Friday; 10am-3pm & 6-8pm Wed (Voucher Day)
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| Provides used clothing & shoes at very low cost, or free upon receipt of voucher from area service agency. Donations in good condition needed. |
| Project Concern of Western Broome | 17 Nanticoke Ave.
Endicott, NY 13760
(607) 754-6060
Hours: 10 a.m. - noon, Tuesday; 1 - 3 p.m., Thurs.
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| Provides clothing to those in need. |
| Samaritan House | 11 Fayette St.
Binghamton, NY 13901-4097
(607) 724-3969
(607) 771-0356 (fax)
Email: duncankath@aol.com
Hours: 9 a.m. - 12 p.m. & 1 p.m. - 4 p.m. Mon. - Thurs., Closed Fri. |
| Provides household goods, personal care items, and infant care items to individuals/families with ongoing needs. |
| Consumer Credit Counseling Service | The MetroCenter, 2nd Floor
49 Court St.
Binghamton, NY 13901
(607) 723-2671
(800) 479-6026
(607) 723-3007 (fax)
Hours: 8:30 a.m. - 5 p.m., Mon. - Fri.; plus some evenings and Saturdays - call for times.
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| Trained counselors provide free and confidential budget, debt and financial counseling, and make creditor arrangements. Call for appointment. |
Also see:
Apartments for Seniors
| Binghamton Planning Housing & Community Development Department | |
| Financial aid to various human services agencies to
promote senior programs. Offers housing programs
targeted to low/moderate income City of Binghamton
residents including the Section 8 Rental Assistance
Program for assistance relief to very low income individuals/
families (on a waiting list). |
| Town of Union Planning | |
| Rental assistance available. Call for eligibility requirements. |
| Cancer Society - American | 13 Beech Street
Johnson City, NY 13790
(607) 786-7736
(800) 227-2345
(607) 766-6965 (fax)
Web: http://www.cancer.orgHours: 8:30 a.m. - 4:30 p.m., Mon. - Fri. |
| Road to Recovery Program provides limited financial aid to cancer patients to assist with costs of transportation to treatments. |
| Broome County Department of Social Services | Transportation Assistance
36-42 Main St.
Binghamton, NY 13905-3108
(607) 778-2627
(607) 778-2657
(607) 778-2698
(607) 778-3505 (fax)
Web: http://www.gobroomecounty.com/dssHours: 8:30 a.m. - 5 p.m., Mon. - Fri.; Summer Hours: 8 a.m. ? 4 p.m. Mon-Fri. |
| Provides payment directly to medical care vendors and providers, health care professionals, hospitals and institutions for transportation costs for needed medical care and services to eligible patients. |
| Kidney Fund - American (AKF) | |
| Provides funds directly to eligible patients to help cover emergency transportation costs. Financial eligibility must be demonstrated by filing an application, available through the patient's renal social worker or nephrologist. |
| Citizen Action of New York | |
| Fuel Group contracts with local fuel suppliers for discount rates saving members up to 15 cents per gallon. |
| NY State Electric and Gas (NYSEG) | PO Box 5240
Binghamton, NY 13902-5240
(800)572-1111
(607) 762-6200 (fax)
Web: http://www.nyseg.comHours: 7 a.m. - 7 p.m., Mon. - Fri. |
| Customer Service provides information on Senior ID Program, large-print bills, convenient due date billing, One Less Worry, Friendly Reminder Service, balanced billing plan, deferred payment agreements, and electronic funds transfer. NYSEG provides a critical customer service for those with life-sustaining health equipment in their home. |
| NY State Electric and Gas (NYSEG) | NYSEG's Power Partner Program
PO Box 5220
Binghamton, NY 13902-5220
(800)284-7988
Web: http://www.nyseg.comHours: 8 a.m. - 4:30 p.m., Mon. - Fri. |
| Power Partner energy assistance program helps customers learn more about wise use of energy and provides a wide network of assistance through many community partnerships. |
| Home Energy Assistance Program (HEAP) | |
| Home Energy Assistance Program (HEAP), a seasonal
program, provides financial assistance with fuel
or utility costs for income-eligible homeowners and
renters. Refers clients to appropriate agency for fuel
or utility emergency. Funding through Broome County
Department of Social Services. Eligibility: age 60
and over, or disabled of any age receiving Social Security
Disability (SSD) or Supplemental Security Income
(SSI). |
| Project Share | American Red Cross - Southern Tier Chapter
620 E. Main St.
Endicott, NY 13760
(607) 785-7207
(607) 785-7216 (fax)
Web: http://Southerntier.redcross.orgHours: 8:30 a.m. - 4:30 p.m., Mon. - Thurs., Fri. 8:30 - 4:00 p.m. |
| Project Share provides financial assistance for energy-related emergencies to persons 60+ years, disabled, or with medical condition aggravated by an energy emergency. HEAP-eligible applicants must apply for HEAP first. |
| Senior ID Program | NY State Public Service Commission (PSC)
3 Empire State Plaza, 20th Floor
Albany, NY 12223-1350
(518) 474-7080
(800) 342-3377
(800) 342-9871
(518) 474-0421 (fax)
Web: http://www.dps.state.ny.usHours: 8:30 a.m. - 4 p.m., Mon. - Fri. |
| Senior ID Program - PSC enrolls customers and notifies utility for Utility Shut-Off Protection and works with the company in event of shut-off threat while local Department of Social Services determines if financial assistance is available. Eligibility: Utility customers 62 and older years or blind or disabled or who share housing with others 62 and older or under 18 years. Service/Billing Problems - Handles issues with gas, electric, phone, or cable TV. Phone (800)342-3377. |
Taxpayer Advocate Service
c/o U.S. Internal Revenue Service | |
| Represents the interests and concerns of taxpayers within the IRS by protecting taxpayer's rights and resolving problems that have not been fixed through normal channels. |
| Tax Aide Program | |
| AARP's tax counselors help people over 50 or low income individuals file state and federal income taxes for free. Call for hours and locations. Available February 1st-April 15th |
Property/School Tax Reductions |
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Also refer to your local town's Tax Assessor's Office for more information. | Broome County Office for Aging | |
| Senior Resource Line counsels on eligibility for benefits such as STAR, Real Property Senior Tax Exemption, and IT-214 tax rebate program. |
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