Financial Planning and Wealth Management in Connecticut

You’ve worked hard to achieve financial success.

But have you put the same effort into managing your risk profile?

Successful people like yourself usually believe all is well. They have a number of well-intended advisors including Lawyers, CPAs, Investment Advisors, and reams of detailed reports.

Unfortunately, most advisors stay in their professional silo, rather than develop a cross-discipline, coordinated plan that identifies and quantifies costly blind spots, unique to your situation.

Why? Most advisors do not know the right questions to determine how each silo impacts the others. That’s what makes CT Financial™ different.

Our process begins by asking the right questions, followed by a deep dive into your data. Our primary goal is to provide an objective, detailed second opinion about the current state of your financial health, delivered in a user-friendly manner.

Are your advisors asking the right questions?

If you have a special needs situation, have you created and funded a special needs trust that would be available to the identified dependent during your lifetime or after your death?

Given inflation, tax risks, and an unpredictable financial environment, have you prepared an investment policy philosophy statement to evaluate your assets against your retirement goals?

Does your current financial team have a method-based, cross communication platform to analyze and modify your specific investment and estate plan goals?

Have you created a benchmark return for each asset class based upon your personalized risk-reward profile? For example, when is an 8 percent return on capital better than a 10% return?

Have all of your beneficiaries been updated, included, and coordinated within your current estate plan?

If your business partner predeceases you, does your estate plan incorporate detailed protection clauses that reinforce your operating rights to eliminate an unqualified wife or attorney from entering the business?

Does your current estate plan incorporate asset wealth provisions in the event your beneficiaries become entangled in creditor problems or lawsuits?

Is a consolidated overview of your entire estate plan & other critical documents encrypted, readily available, and easily accessed with a single password?

Does your estate plan include spousal safeguards in the event you predecease your wife, and she remarries and predeceases her new spouse?

Does your estate plan insure against unnecessary asset drainage if your children are not old enough or mature enough to manage their portion of your wealth?

If you are in a second marriage with children from both sides that have divergent career interests, does your estate plan include specific estate equalizer provisions?

Have you reviewed your wealth transfer strategy against current federal and Connecticut estate tax thresholds, and do you know what your estate would owe today?

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Learn more about our process

Our Process is Our Product, See the Results

Connecticut Financial is an independent financial planning and wealth management firm serving successful professionals, senior executives, and business owners. Ray Kubick, CFP®, has been building the practice since 1991 around one idea: a person’s financial life is like a complex building, and it needs an architect who understands the whole structure, not a series of contractors each adding a room. We work from offices in Hamden, Connecticut and South Florida, with clients across the country. Because we are advisor agnostic and not tied to one company’s product shelf, our recommendations start from your situation.

Start With a Conversation

Most of our relationships begin with a short call of fifteen or twenty minutes, so we can understand your situation and you can decide whether we are the right fit. There is no cost or obligation for that first conversation. We listen. You decide.

SCHEDULE AN INTRODUCTORY CALL

CALL 203-281-1122