Investment Management Built Around Where You're Headed

Your investment strategy shouldn't be built around a generic model portfolio — it should be built around your retirement, your income needs, and the life you're planning to live. At Route 65 Financial, we work with pre-retirees and retirees across the Naugatuck Valley to develop investment approaches that reflect where you actually are and where you're going.

A Range of Vehicles, One Consistent Standard

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Every investment recommendation we make is guided by your specific situation — not by proprietary product requirements or firm quotas. As an independent firm affiliated with RBC Wealth Management as our broker-dealer, we have access to a wide range of investment vehicles and the freedom to use whichever tools genuinely fit your plan.

 

The investments we work with include:

 

  • Bonds, including government, municipal, and corporate options suited to income and capital preservation goals
  • Common stock for growth-oriented portions of a portfolio
  • Brokerage accounts for flexible, taxable investment management
  • IRAs in all major forms — Traditional, Roth, SEP, SIMPLE, and Educational — structured to fit your tax situation and timeline

Bonds


Bonds are a practical tool for retirees and pre-retirees who need dependable income without the volatility of an all-equity portfolio. We work with U.S. government bonds, municipal bonds, and corporate bonds — each serving a different purpose based on your income needs, tax situation, and time horizon. Government bonds offer federal backing and are well-suited for capital preservation. Municipal bonds can be especially advantageous for Connecticut residents in higher tax brackets, since the interest is often exempt from federal and state income tax. Corporate bonds can provide higher yields for those willing to accept modestly more credit risk. We help you evaluate which bond types — and which maturities — belong in your plan.

 Common Stock

For retirees and pre-retirees who still need their portfolio to grow — and most do, given retirements that can span 20 to 30 years — common stock plays an important role. Inflation doesn't stop at 65, and a portfolio built entirely around income and preservation can quietly lose purchasing power over time. Equities are one of the primary tools we use to address long-term inflation risk.

 

How we use common stock depends entirely on your situation. A 58-year-old still seven years from retirement has a different capacity for short-term volatility than someone who retired last year and is drawing income from their portfolio. We size equity exposure to match your timeline, income needs, and comfort level — not a generic age-based formula.

IRAs

Individual Retirement Accounts are one of the most powerful tools available for building and protecting retirement wealth — and choosing the right type matters. We work with all major IRA structures, including Traditional IRAs for tax-deferred growth, Roth IRAs for tax-free withdrawals in retirement, SEP and SIMPLE IRAs for self-employed individuals and small business owners, and Educational IRAs for families planning ahead for college costs.

 

Whether you're rolling over a workplace 401(k), converting a Traditional IRA to a Roth, or simply trying to make better use of what you've already saved, we can help you evaluate your options and make decisions that fit your tax situation, timeline, and retirement income goals.

  • Can you help me roll over a 401(k) or workplace retirement account into an IRA?

    Yes. IRA rollovers are a common part of the transition into retirement, and we work through the process with you to make sure the rollover is handled correctly and that the resulting account fits your broader income and tax strategy.

  • What is the difference between a Traditional IRA and a Roth IRA, and how do I know which is right for me?

    The core difference is when you pay taxes — Traditional IRAs are funded with pre-tax dollars and taxed on withdrawal, while Roth IRAs are funded with after-tax dollars and qualified withdrawals are tax-free. Which option makes more sense depends on your current tax bracket, your expected income in retirement, and your estate planning goals. We work through that analysis with each client individually.

  • Do you manage investments for clients who are already retired, not just those approaching retirement?

    Yes. We work with both pre-retirees and retirees. For clients who are already in retirement, the focus often shifts toward income distribution, capital preservation, and managing the tax impact of withdrawals — and we build investment strategies around those priorities.

  • How does working with an investment advisor in Connecticut differ from using an online brokerage or robo-advisor?

    Online platforms and automated tools can manage a portfolio, but they don't account for your full financial picture — your tax situation, your estate plan, your insurance coverage, or your income timeline. A local advisor who coordinates across all of those areas can catch conflicts and opportunities that a platform simply isn't built to see.

  • How do I get started with investment management at Route 65 Financial?

    The first step is a conversation. You can reach us by phone, text, or through the contact form on our website. We'll talk through where you are, what you're working toward, and whether our approach is a good fit before any next steps are discussed.

Your Financial Journey Starts Here

We believe the best relationships start with a conversation. If you're curious about how we can help or just want to learn more about our services, don't hesitate to reach out. We're here to answer your questions, listen to your goals, and show you what makes working with us different. 

Service FAQs

Quick answers to common questions

  • What services does North Point Financial offer?

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