Retirement Planning and Financial Guidance for Naugatuck, CT Residents

Naugatuck families planning for retirement deserve more than a generic portfolio and a call center. At Route 65 Financial, Eric Stroehle works directly with pre-retirees and retirees across the Naugatuck Valley — building personalized plans that address the full picture: income, insurance, taxes, and what happens to your estate after you're gone. This is independent, credential-backed financial planning with a local presence you can actually reach.

Retirement Is a Destination. Here's What the Route Looks Like.

The Route 65 brand isn't just a name. It reflects a planning philosophy built around getting you to retirement — age 65 and beyond — on solid ground. For Naugatuck residents in their 50s and early 60s, that means addressing the questions that matter most before you stop working:

 

  • When should you claim Social Security to maximize lifetime income?
  • How will you cover healthcare costs before and after Medicare eligibility?
  • What does your income look like in year one of retirement, and in year fifteen?
  • How do you reduce the tax burden on withdrawals from your retirement accounts?
  • What long-term care costs could threaten your financial stability, and how do you plan for them?

 

Route 65 Financial works through each of these questions with you — not in a single meeting, but as part of an ongoing planning relationship.

Services Available to Naugatuck, CT Clients

Route 65 Financial offers a full range of planning and investment services to individuals and families in Naugatuck and the surrounding Naugatuck Valley. Core areas include:

 

  • Retirement Planning — income strategy, Social Security timing, and distribution planning
  • Medicare Planning — coverage options, enrollment windows, and supplement selection
  • Life Insurance — term, permanent, and coverage structured around your estate and income needs
  • Long-Term Care Insurance — protecting your assets and your family from extended care costs
  • Tax Planning — coordinating withdrawals, Roth conversions, and year-end moves to reduce your tax exposure
  • Estate Planning — working alongside Sean Stroehle, JD, to align your financial plan with your estate documents
  • Investment Management — bonds, common stock, brokerage accounts, and IRAs managed through RBC Wealth Management

Common Questions from Naugatuck Residents About Retirement Planning

  • How do I know if I'm on track to retire at 65?

    The clearest way to find out is to model your retirement income against your projected expenses — accounting for Social Security, any pension income, and withdrawals from your savings. Eric works through this analysis with Naugatuck clients to identify gaps early, while there's still time to adjust contributions, reduce spending, or refine your investment strategy.

  • When should I start thinking about Medicare coverage?

    Most people should begin researching Medicare options at least a year before their 65th birthday. Enrollment windows are strict, and missing them can result in permanent premium penalties. Route 65 Financial helps Naugatuck residents understand their coverage options and make enrollment decisions that align with their overall retirement plan.

  • What does long-term care insurance actually cover?

    Long-term care insurance helps cover the cost of care you may need if you can no longer perform basic daily activities on your own — whether in your home, an assisted living facility, or a nursing home. Without coverage, those costs fall entirely to you or your family. Eric holds the CLTC designation specifically to help clients evaluate and structure this coverage appropriately.

  • Is Route 65 Financial a fiduciary?

    As an independent advisor affiliated with RBC Wealth Management, Eric Stroehle operates under standards that prioritize client interests. If you have specific questions about fiduciary obligations as they apply to your situation, that's a conversation worth having directly — contact the office to discuss.

  • Can Route 65 Financial help with estate planning?

    Yes. While estate planning documents are prepared by an attorney, Route 65 Financial coordinates the financial side of your estate plan — beneficiary designations, account titling, trust funding, and asset distribution strategy. Sean Stroehle, JD, co-strategizes on trust and estate matters, bringing legal perspective into the planning process.