Our Team

“Individual commitment to a group effort – that is what makes a team work, a company work…”

Vince Lombardi, Champion NFL Coach

Our Team

Integrity. Honesty. Intelligence. These characteristics define our business and the talented team that is responsible for managing all aspects of client services.

Ray Kubick

CF Founder, CEO

For over 31 years, Connecticut Financial, and its predecessor company, Ray Kubick and Associates, have provided comprehensive, sophisticated financial advice to lifestyle-pressured doctors, attorneys, business owners and Wall Street executives.

Such advice includes legal, accounting, investment and tax considerations designed to helping protect and intelligently grow client assets during both the accumulation and retirement years. Ray also aims to simplify his clients’ financial lives by developing easily accessible, coordinated financial plans. Leveraging the extensive resources and market research capabilities of the prestigious Mass Mutual Financial Services Network, Ray is able to provide the best available advice derived from intelligent interpretation of the latest market conditions, delivered in an easily digestible, straight-forward manner.

Due to the comprehensive nature of this servicing, prospective Connecticut Financial clients are considered on a referral only basis. However, initial consultations are complimentary to determine if there is a mutual fit, particularly since Ray believes advising a family, business or individual on their financial matters is a very private affair.

Ray has earned a series of degrees and certifications, holding a B.A. from Quinnipiac University, and is a Certificated Financial Planner and Wealth Management Advisor. Ray’s exceptional leadership, knowledge, and client service style have also earned him distinction within the industry as being among a select group of advisors practicing at the top of their profession.

Gene Frost

Chief Strategic Officer

For the past 41 years, Gene Frost has been converting complex High Net Worth situations into strategically relevant, timely, practical solutions. His signature process, Simplify the Complex, was created as a management member of two of the world’s largest and oldest investment holding organizations, Northwestern Mutual and Massachusetts Mutual. Gene’s passion is to reregister dollars previous lost to taxes into client and multi-generational wealth.

Gene’s three decades of management accomplishments include building top ten agencies in America for the Northwestern and Mass Mutual Companies.

Gene holds numerous academic and professional designations, including B.B.A. and C.L.U, among others.

Peter “P.J.” Foti

CF Financial Services Professional

P.J. is an integral member of our financial service team. His focus on portfolio construction ensures every client has the proper balance of investments aligned with their specific goals and objectives. Driven by a desire to provide the highest level of service, P.J. holds Series 7 and 66 investment licenses.

Over the course of the past ten years at Connecticut Financial, P.J. has been recognized as an exceptional performer, elevating himself from intern to one of CF’s most trusted assets.

P.J. is a graduate of Quinnipiac University with a BA degree in Journalism. When he’s not helping secure the financial future of Connecticut Financial clients, he answers the demanding calls of his two-year-old daughter and attempts to find time to attend the occasional sporting event, another lifelong passion.

Kimberly Rumino

CF Insurance Services Director

Kim, a 25-year veteran of the insurance industry, is dedicated to making sure each CF client’s insurance position(s) strategically compliments each client’s current financial plan. In 2014, she was awarded Mass Mutual’s Commitment to Excellence Award, which is presented to the top support staff in Northeast region.

Kim’s expertise and knowledge remains current thanks to mentorships with multiple high level insurance representatives. An invaluable asset to the CF team, Kim believes in a technology- assisted, hands-on approach to servicing our clients.

Kim holds a business degree from Quinnipiac University. When she is not making sure Connecticut Financial’s clients stay happy, Kim loves to travel, cook, and spend time with her husband Juan, son and daughter.

Anna Pereira

Client Experience Director

Anna Pereira is CF’s internal accounting guru. She possesses over 35 years of accounting and client support experience and is often the first point of contact for incoming client inquiries. Since joining the CT Financial team a decade ago, Anna has played a critical role managing operations and contributing to the success of the overall client experience at Connecticut Financial.

In Anna’s downtime, she is dedicated to spending time with family and enjoys seeking out new recipes that will challenge and refine her culinary skills.

Jared Kubick

Client Services Associate

Socially aware Jared Kubick represents CF’s future management continuity. After graduating magna cum laude from Loyola Marymount University in Los Angeles, he joined Connecticut as an intern. Currently he is a financial analyst who acts as a client liaison, trains CF interns on the CRM system, and prepares SFPs for client meetings.

Recently, he successfully completed the FINRA sponsored Securities Industry Essentials exam and will then begin studying for his Series 7 investment license.