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Take action for a better personal retirement

It’s always the right time to plan for retirement and it’s easier when you work with the right people. Our Osaic Institutions, Inc., Investments Team is focused on building strong relationships while creating a detailed roadmap to help each client achieve their personal financial goals. 

We will talk through your existing and expected income streams and work with you to select a mix of investment vehicles that can maximize the benefits of your plan. As your life changes, your income stream might change, so your plan should be flexible. So, we regularly review recent life events, new goals, and changes to your income stream to ensure the plan is still meeting your needs. Plus, we’ll keep your risk tolerance top of mind.

A hand balances a scale with a bag of money on the left, stacked scrabble pieces reading "RISK" on the right, and a white umbrella in the middle

Ready for retirement?

Find out by completing a Free Risk Analysis as a first step to developing a financial plan that is right for you.

Have you changed jobs?

If you had a 401(k), 403(b) or 457 Plan balance with your previous employer’s plan, it’s a good idea to review those investments with our team. If you can’t remember the plan you had, we can help you identify the investments and assets. We can potentially consolidate or make recommendations to help you select the appropriate option. We’ll even assist you with completing the paperwork.

Investment tools for the individual

401(k) Rollover — For “abandoned” 401(k) accounts, meaning you had a 401(k) with a previous employer. The CGFS team will help you explore ways to take control of your retirement, including rolling your 401(k) into the right Individual Retirement Account.

Individual Retirement Arrangements (IRAs) — IRAs allow you to make tax-deferred investments to help provide financial security when you retire.

Traditional IRA — for individuals with taxable compensation. Annual maximum contributions are determined by your taxable compensation and may be tax deductible on your federal income tax return. 

Roth IRA — qualified contributions to a Roth IRA are dependent upon your taxable compensation and your income tax filing status. Contributions are not tax deductible. However, if you meet certain conditions, withdrawals may be free from federal income tax, including contributions and investment earnings. 

Tax Deferred Annuities — If you have taken full advantage of the tax benefits of a Traditional and/or ROTH IRA, tax-deferred annuities may be a good way for you to set aside additional savings to secure your financial future.

Competitive Fixed Annuity Rates — fixed annuities can offer attractive yields, tax efficiency, and liquidity, without stock market volatility. Check out our current rates! Call 860-572-4040 or email us for more details.

How Can We Help?

Call us at 860-572-4040 to work with a member of our Financial Services Team below.

Financial Services Team

Lori Dufficy
Lori Dufficy

EVP, Chief Experience and Engagement Officer

(860) 448-4184
John Uyeki
John Uyeki

Financial Advisor, Osaic Institutions.; SVP, Director of Chelsea Groton Financial Services

(860) 572-4041
Jen Eastbourne
Jennifer Eastbourne

Program Coordinator, Osaic Institutions, Inc.; VP, Chelsea Groton Financial Services

(860) 572-4040
Jim Elliott
Jim Elliott

Financial Advisor, Osaic Institutions, Inc.; VP, Chelsea Groton Financial Services

(860) 572-4039
Headshot of Bob Fradette
Bob Fradette

Financial Advisor, Osaic Institutions, Inc.; VP, Chelsea Groton Financial Services

(860) 572-4045
Paulette Retsinas
Paulette Retsinas

Financial Advisor, Osaic Institutions, Inc.; VP, Chelsea Groton Financial Services

(860) 572-4046
Al Dabiri

Financial Advisor, Osaic Institutions, Inc.; VP, Chelsea Groton Financial Services

(860) 500-6508
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Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA / SIPC. Chelsea Groton Financial Services is a trade name of Chelsea Groton Bank. Osaic Institutions and Chelsea Groton Bank are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value.

Check the background of this Osaic Institutions, Inc. investment professional at brokercheck.finra.org/