The Sullivan-Zak Group at Morgan Stanley


Auburn081814FBSO_AUBURSS00001Enter Retirement Boldly -
Coordinated Financial Plans Reassure Investors

I thought I would retire at 62. Now it looks more like 72.

“No doubt about it, the face of retirement planning has changed. It’s a much different world than when today’s pre-retirees started their careers. People are working much harder now to get to their goals. And, with concerns about inflation, rising taxes and increases in health care costs hanging over their head, those goals can seem more out of reach than ever,” says Financial Planning Specialist Trish Zak, First Vice President, Financial Advisor of The Sullivan-Zak Group at Morgan Stanley. …Read More

Summit Planning Group, LLC


Auburn081814FBSO_AUBURSS00001Innovative Investment Program Is
Designed to Stand the Test of Time

Even six years after the devastating multi-market collapse of 2008, uncertainty continues to make investors feel vulnerable. “High-net-worth individuals especially feel the pressure as they face complex financial issues that require sophisticated solutions,” says Karl Zirolli, CFP®, AIF®, MS of the Connecticut-based Summit Planning Group, LLC.

As prolonged volatility became the “new normal” in the years after the collapse, Summit further focused on devising an investment strategy that is designed to reduce the potential impact of market volatility and preserve the potential for return. Through its affiliated registered investment advisor, Summit Asset Management, LLC, it developed an innovative approach, refined it based on decades of historical investment returns and rolled out its proprietary investment program, LEVEL 7 PORTFOLIOS.

LEVEL 7 goes beyond traditional diversification. It seeks to effectively mitigate risk by building portfolios from broad asset classes and blending assets that tend not to be closely correlated with one another. “LEVEL 7 is designed to level out the largest swings that place investors at a higher risk of outliving investment assets after retirement,” says Summit’s Brian Onofrio, CPA, its primary architect.

Holistic Advice Tailored for High-Net-Worth Investors
Summit’s clients are business owners, executives, professionals and financially independent retirees, many of whom have relied on Summit for decades for their wealth management, corporate retirement plans, and comprehensive financial and estate planning. Founded in 1995 as an independent advisory firm, Summit includes many advisors who have received the Five Star Wealth Manager recognition.

“Despite the fact that many of our clients are entrepreneurial risk takers at heart, a primary goal is avoiding unnecessary risk (market, tax or otherwise) on the assets they’ve worked hard to accumulate,” explains David Koncz. “As registered investment advisors who operate under a fiduciary standard, it’s our job to make sure they’re not taking undue risks in their financial and business planning.” A comprehensive review cycle to account for changes in the tax law, the economy and in clients’ financial objectives and risk tolerance is utilized to continually monitor and adjust their plans.

“High-net-worth investors are looking for holistic advice tailored to their unique needs,” says Onofrio. “We’ve gathered a team of professionals with diverse backgrounds in accounting, finance, tax and investments who work together to maximize our effectiveness as a firm and for our clients.”  The basis of Summit’s client-centered approach is actively listening to clients before developing comprehensive financial plans that include retirement cash flow analysis, investment portfolio construction, and efficient estate transfer and tax strategies. The coordination of these intertwined financial areas into one smoothly working plan is one of the major factors that differentiate Summit’s wealth management services.

“Although our backgrounds are diverse,” adds Jay Pinto, “we all share a common ‘Serve First’ philosophy that puts our clients’ needs first. This is a basic ingredient for the long-term success of our company.”


420 East Main Street, Suite 11 | Branford, CT 06405 | 203-483-3313
333 East River Drive, Suite 410 | East Hartford, CT 06108 | 860-282-8232

Summit Planning Group, LLC and Summit Asset Management, LLC are registered investment advisors. Members are registered representatives and offer securities through Lincoln Financial Securities Corporation. Summit Planning Group, LLC and Summit Asset Management, LLC are not affiliated with Lincoln Financial Securities.   LFS-970286-071714


King, Prell & Associates


Auburn081814FBSO_AUBURSS00001Confidence Shaken, Investors Look for Secure Retirement Plans

A well-known secret among successful people is the power of having a coach to help them achieve at their highest level. “Fresh insights and a sophisticated approach from a financial advisor can be powerful when you want to supercharge your retirement,” says Leigh E. King, CFP®, CLU®, a private wealth advisor with King, Prell & Associates in Simsbury, Connecticut.

Designing high-performance retirement plans is a special focus of King, Prell & Associates. “Most Americans are fearful they’ll outlive their money. …Read More

Capital Wealth Advisors of Janney Montgomery Scott LLC


Auburn081814FBSO_AUBURSS00001Asset Preservation Is Priority for Affluent Families

High-net-worth individuals are most focused on maintaining their quality of life during retirement, funding major obligations and preserving wealth. Taking large risks with their investments just doesn’t match their financial goals.

“Minimizing risks to preserve assets and generating retirement income are the greatest concerns for affluent families. If you fail to plan, you plan to fail,” says Robert Black, senior vice president at Capital Wealth Advisors, an affiliate of Janney Montgomery Scott LLC in West Hartford, Connecticut. …Read More

ACT Group


Welcome to the Future of 3D Print Technology

Imagine one day being able to replicate human organs for transplant using a 3D printer. It may sound like science fiction, but 3D printing is creating a whole new world where ideas and imagination are becoming reality. Leading the way in this exciting new field is the ACT Group, New England’s leading distributor of 3D printing technology.

“We are working with students, professors, manufacturers and innovators in a broad spectrum of organizations on 3D scanning, prototyping and production manufacturing,” says Cindi Gondek, co-founder and principal at ACT Group. …Read More

InSync Training


Virtual Classroom Experts Maximize Impact, ROI

Corporate employers invest more than $160 billion annually in employee training. Much of that amount is spent on live virtual-training programs, particularly for workforces spread across the globe.

Not all webinars, however, are created equal.
Jennifer Hofmann, veteran corporate training consultant and a leading expert on virtual learning for over 20 years, says employers pay a high price for subpar training sessions. In fact, the hidden costs for subpar training far exceed the $160 billion employers spend. She founded InSync Training in 1999 to banish boring webinars and help businesses extract significant value from their e-learning platforms and build core competencies for their virtual-learning training teams. …Read More

KDSA Consulting, LLC


Proud IBM Technology Partner Helps Not-For-Profits Advance Their Mission

When CPAs Dawn Mortimer and John LoConte worked at a national accounting firm and had the chance to spin off an IT consulting firm, they jumped at the opportunity. At the accounting firm, their expertise and efforts centered on helping clients incorporate new software applications to streamline business functions. Mortimer and LoConte used their deep knowledge in this area to launch KDSA Consulting, LLC in 2004.

What are these CPAs doing at the helm of an IT firm? A world of good, actually. For the past decade, KDSA has worked with IBM and other industry-leading partners to help not-for-profits, health care facilities, and small to mid-size businesses advance their missions through the development and implementation of advanced technologies. KDSA also gives back to the community by participating in many fundraising activities and encouraging its employees to get involved. KDSA is much more than a vendor; it’s a partner in helping not-for-profits make the world a better place. …Read More

Verisk Health


Managing Risk in a Dynamic Healthcare Market

Never has the healthcare industry in the United States undergone such a dramatic transformation, so rapidly. The Affordable Care Act is creating exciting new opportunities, as well as daunting challenges for health plans, providers, and employers. Verisk Health helps these and other risk-bearing entities manage risk; reduce costs; prevent fraud, waste and abuse; improve quality; and comply with emerging regulatory requirements.

Case in point: When an insurance company became suspicious of certain medical claims, it turned to Verisk Health to ensure valid claims were paid fairly and questionable ones were addressed. Verisk Health delivered a solution to review and validate 30 million claims and identify suspect providers and aberrant billing patterns. As a result, in one year, Verisk Health helped identify more than $170 million in savings through suspect exposure for that one company alone. …Read More

Barrett Sotheby’s International Realty


Top Local Performers With Global Connections

In terms of its history, character and charm, the Greater Boston housing market is one of a kind. Yet in terms of supply and demand, it’s no different from other major real estate markets across New England. City dwellers hoping to plant roots in quieter outlying communities are finding listed properties in scarce supply; competition is fierce, and time is of the essence. The moment a potential dream home hits the market, buyer frenzy ensues.

What might seem like a breeze for sellers and their Realtors®, however, is often a whirlwind of competing overtures, confusion and disappointment on both sides of the table. According to Laurie Cadigan, CEO and owner of Barrett Sotheby’s International Realty, the process can be an utter mess if it’s not managed by experienced real estate professionals. …Read More

Wake Robin


Remarkable Residents Create Their Own
Extraordinary Retirement Environment

As residents celebrated the 20th anniversary of the opening of Wake Robin last year, they had plenty to congratulate themselves about. It is, after all, their own vision—and the vision of others like them—that shaped this successful Continuing Care Retirement Community near the shores of Lake Champlain.

Founded by a local group in 1993 and still governed locally by individuals deeply rooted in northwest Vermont, Wake Robin’s vibrant 136-acre campus is a reflection of the energies …Read More