Waterbury's Independent Financial Advisor for Retirement Planning

Retirement planning in Waterbury shouldn't mean driving to Hartford or working with an advisor who doesn't know this region. Route 65 Financial is based right here in the Naugatuck Valley, serving Waterbury residents with retirement income planning, Medicare guidance, insurance, and investment management from an independent firm with no proprietary product obligations.

What We Help Waterbury Clients Navigate

  • Retirement Planning: Building a sustainable income plan for the years ahead, accounting for Social Security timing, required minimum distributions, and spending flexibility.
  • Medicare Planning: Comparing Medicare Advantage and Supplement options so Waterbury residents understand their coverage before they turn 65.
  • Life Insurance and Long-Term Care Insurance: Evaluating what protection still makes sense at this stage of life and what may no longer be necessary.
  • Investment Management: Managing portfolios with a strategy calibrated to your timeline and income needs.
  • Tax and Estate Planning: Coordinating with Sean Stroehle, JD, on trust structures, beneficiary strategy, and tax-efficient distribution planning.

Credentials That Stand Out Among Waterbury Financial Advisors

Eric holds three designations that rarely appear together at a local, independent practice: the Chartered Long-Term Care (CLTC), Registered Financial Consultant (RFC), and Certified Estate and Trust Specialist (CES). For Waterbury-area clients, that combination matters — it reflects a depth of focus on the specific issues retirees in this region face, including long-term care costs, estate transfer, and sustainable retirement income in a high-tax state like Connecticut. Sean Stroehle, JD, adds legal depth to trust and estate conversations that most Waterbury financial planning firms refer out entirely, keeping more of your planning under one roof.

Frequently Asked Questions from Waterbury, CT Clients

  • Do you work with clients who are still working but approaching retirement?

    Yes. Most of our Waterbury clients begin working with us in their late 50s or early 60s, while they're still employed. That window is when the most important planning decisions — Social Security timing, pension elections, Medicare enrollment — need to be made. Starting early gives us more options to work with.

  • Is Route 65 Financial a fiduciary?

    As a Registered Financial Consultant affiliated with RBC Wealth Management, Eric operates under standards that require recommendations to be suitable to each client's individual situation. We encourage every prospective client to ask this question of any advisor they're considering.

  • Do I have to come into an office, or can we meet remotely?

    We work with clients both in person and remotely. Waterbury-area clients often prefer to meet at our Oakville office, but virtual meetings are available for those who prefer them.

  • What's the difference between a Medicare Supplement and Medicare Advantage plan?

    Medicare Supplement plans work alongside original Medicare to cover out-of-pocket costs like copays and deductibles — you can generally see any provider that accepts Medicare. Medicare Advantage plans are offered through private insurers, often with lower premiums but network restrictions. Which is better depends on your health situation, budget, and how much flexibility you want in choosing providers. We walk Waterbury clients through both options in detail.

  • How do I get started?

    Reach out by phone, text, or the contact form on our website. We'll schedule an initial conversation to understand your situation and determine whether we're the right fit.