Nichols Financial Services opened for business in Newark, New York in 1982. Founded by Richard H. Nichols, an international accountant for Colt Industries, NFS was formed to consult and aid white and blue collar workers alike through the maze of tax laws, insurance rhetoric, and investment choices. In 1986 NFS began full-time operation with one employee and about 250 clients. As tax preparation and planning became more complex, the popularity of IRAs and other retirement programs grew, and the insurance industry changed, NFS expanded its services to better meet the needs of our clients. Currently, NFS has 10 employees in three convenient locations, Newark, Waterloo and Sodus. We now serve over 1,800 business and individual clients across New York State. NFS was built on service, customer-friendly business hours, and going the extra mile for each and every client.