Retirement Planning Services in Portland, CT

A comfortable retirement doesn’t happen by accident—it’s the result of a clear plan and informed decisions. At Carollo & Associates, we provide professional retirement planning in Portland, CT and surrounding communities—helping you create a strategy that supports the lifestyle you want, while making the most of your savings and investments.

Why Work with a CPA Financial Advisor for Retirement Planning

If you’re like many in Portland, Glastonbury, or across Middlesex County, you want to feel confident that your retirement savings will last. But questions about income needs, taxes, Social Security, and investment risk can make planning overwhelming.



As both CPAs and financial advisors, we combine tax expertise with investment strategy to help you make the most of your retirement years. We don’t just focus on growing your savings—we focus on making them work for you efficiently and sustainably.

What Our Retirement Planning Services Include

We offer personalized retirement planning solutions designed around your goals, lifestyle, and risk tolerance:


  • Retirement income analysis to determine how much you’ll need and where it will come from
  • Strategies for managing and distributing retirement savings
  • Social Security claiming guidance to maximize benefits
  • Pension and annuity review and integration
  • Planning for healthcare costs, including Medicare
  • Estate and legacy planning coordination
  • Ongoing reviews to adjust as your life and the market change


Whether you’re five years away from retirement or already there, we’ll help you create a plan that fits your vision.

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Coordinating Taxes & Retirement Income

How and when you take income in retirement can significantly impact your tax bill. We help you:

  • Manage Required Minimum Distributions (RMDs) efficiently
  • Plan Roth conversions for tax flexibility
  • Strategically withdraw from taxable vs. tax-deferred accounts
  • Reduce the tax impact of investment income
  • Incorporate charitable giving strategies when beneficial


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Planning for Different Retirement Stages

Your needs will change over time—and so should your plan. We help you prepare for:



  • Early retirement years – Active lifestyle spending, travel, and big purchases
  • Mid-retirement – Adjusting for inflation and shifting investment strategies
  • Later retirement – Healthcare costs, estate planning, and legacy goals


Why Choose Carollo & Associates for Retirement Planning

When you work with us, you get:

  • CPA-level tax planning integrated into your retirement strategy
  • Fiduciary investment advice focused on your best interests
  • A local advisor who understands Connecticut’s retirement landscape
  • Ongoing guidance so your plan evolves with you


Start Planning for the Retirement You Deserve

The earlier you start planning, the more options you’ll have.
Contact us today to schedule your retirement planning consultation.

Looking Beyond Retirement Planning?

Your retirement plan is just one piece of your financial picture. At Carollo & Associates, we also provide:

  • Investment management to grow and protect your wealth
  • Year-round tax planning and preparation
  • Estate and legacy coordination to preserve your assets

Because we’re both CPAs and financial advisors, we create strategies that work together—helping you enjoy your retirement while protecting your long-term financial health.