A Financial Advisor Middlebury, CT Residents Trust for Retirement Planning

Middlebury sits at the quieter edge of the Naugatuck Valley — and the families here tend to approach retirement the same way: thoughtfully, without rushing, and with a clear sense of where they want to land. At Route 65 Financial, we work with pre-retirees and retirees throughout Middlebury and the surrounding region, helping them build retirement strategies that are specific to their situation, not assembled from a shelf.

The Services Middlebury Clients Rely On Most

We serve clients across a wide range of retirement-related needs. Whether you're still several years out from your target date or already in retirement, the work we do together is designed to hold up over time.

 

  • Retirement Planning — income sequencing, Social Security timing, distribution strategy
  • Medicare Planning — comparing plan types, enrollment timing, and coverage gaps
  • Long-Term Care Insurance — evaluating coverage options before health changes limit them
  • Life Insurance — permanent and term structures for income replacement and estate transfer
  • Tax Planning — reducing what you owe in retirement through strategic positioning
  • Estate Planning — coordinating beneficiary designations, trusts, and legacy goals
  • Investment Management — bonds, common stock, IRAs, and brokerage accounts through RBC Wealth Management

Independent Advice, Without the Conflicts That Come With Captive Firms

Route 65 Financial is an independent firm, which means we are not limited to a proprietary product shelf or pressured to favor one carrier's offerings over another. We work with multiple providers and select based on what fits your situation. Our broker-dealer affiliation with RBC Wealth Management gives clients access to institutional-grade investment resources while preserving the personalized attention that only an independent practice can provide. For Middlebury residents comparing their options, that independence is a meaningful distinction.

Common Questions from Middlebury Residents

  • What does a financial advisor in Middlebury, CT actually do?

    A financial advisor helps you make coordinated decisions about retirement income, insurance, investments, taxes, and estate planning. At Route 65 Financial, that work is done under one roof — rather than sending you to separate specialists for each piece of the picture.

  • When should I start working with a financial advisor before retirement?

    Most clients benefit from starting the planning process five to ten years before their target retirement date. That window allows time to adjust your investment mix, evaluate Medicare and long-term care options, and structure your income sources before you need to draw on them.

  • Is Route 65 Financial a fiduciary?

    Eric Stroehle operates as a Registered Financial Consultant and works with clients' interests as the guiding priority. We encourage you to ask this question directly during your first conversation so we can explain how our compensation structure and affiliations apply to your specific situation.

  • What makes Route 65 Financial different from a bank or large brokerage?

    As an independent firm, we are not limited to proprietary products or managed by sales quotas tied to specific carriers. You work directly with Eric — not a rotating team of associates — and the planning process is built around your goals, not a standardized model.

  • Do you work with clients who are already retired, or only those still working?

    We work with both. Pre-retirees typically focus on building the plan and positioning assets before the transition. Retirees often need ongoing income management, Medicare review, tax strategy, and estate coordination. Both stages of the journey are well within our scope.