Combined Financial Services was formed in 1985 and has had over 20 Years of growth and success throughout the upstate New York region. In this time period CFS has grown from 8 to 26 office locations, has 140 insurance professionals, and an impeccable relationship with many of the most recognized insurance carriers in the nation. Combined Financial Services has consistently been committed to bringing the best insurance products to its clients and building trusted relationships with the insurance carriers we represent.