Business Details
Your Trusted Financial Advisers in Glastonbury, CT
Financial Resources Group is a fiduciary advisory firm dedicated to helping individuals and families protect, grow, and transfer wealth with confidence. With decades of combined experience in estate, tax, and investment planning, our team prioritizes strategy over products, always aligning decisions with client goals. We specialize in tax-aware income planning, customized investment management, and advanced tax reduction strategies tailored to high-net-worth individuals.Our 21-point checklist uncovers hidden risks and opportunities, ensuring comprehensive protection for assets, beneficiaries, and legacy plans. We maintain transparency through ongoing guidance, coordinating with legal professionals to ensure estate plans avoid probate and portfolios remain risk-managed. Recognized for 30+ years of service and a 95% client retention rate, we focus on long-term partnerships built on trust, clarity, and measurable results.
Services
Tax-Aware Income Planning
Investment Management
Tax Reduction Strategies
Estate & Legacy Planning
Retirement Income Planning
Highlights and features
- We offer fiduciary advice legally required to act in your best interest.
- Our personalized strategies address tax reduction, retirement income, and estate planning.
- We implement a 21-point checklist to identify overlooked financial risks.
- Our team holds advanced designations including CFP and CLU certifications.
- We provide local insight with nationwide consulting capabilities.
Associations and certifications
- Better Business Bureau (BBB)
What people say
Personalized Strategies
Expert Guidance
Long-Term Commitment
Trusted Advisors
Effective Tax Planning
Services
Tax-Aware Income Planning
Our tax-aware income planning creates sustainable retirement income through strategic withdrawal sequencing and Roth conversions. We coordinate Social Security optimization with required minimum distributions to minimize tax drag. By analyzing 12 proven withdrawal methodologies, we construct personalized plans that reduce longevity risk while maintaining liquidity.
Investment Management
Customized investment management blends globally diversified portfolios with tax-efficient positioning. We implement risk-managed strategies using multi-asset allocations tailored to individual time horizons. Our approach combines disciplined rebalancing with capital gains harvesting to enhance after-tax returns while maintaining alignment with long-term financial objectives.
Tax Reduction Strategies
Advanced tax reduction strategies target high W2 income, capital gains, and IRA distributions through income layering techniques. We specialize in Roth conversion timing, tax bracket management, and long-term care integration. Our methods help clients legally minimize ordinary income tax exposure while preserving wealth for intergenerational transfer.
Estate & Legacy Planning
Comprehensive estate planning ensures efficient asset transfer through coordinated wills, trusts, and beneficiary designations. We collaborate with legal professionals to implement probate avoidance strategies and charitable giving vehicles. Our 21-point checklist verifies proper titling, power of attorney functionality, and legacy alignment with client values.
Retirement Income Planning
Retirement income planning focuses on sustainable cash flow through strategic asset allocation and withdrawal optimization. We integrate Social Security timing, pension coordination, and longevity insurance to create reliable income streams. Our approach balances growth objectives with tax efficiency to ensure financial security throughout retirement.
People
Mark Pappa
Chief Investment Officer
Mark Pappa, CIO and IAR, manages model portfolios and delivers the Full Checklist Review to identify hidden financial risks. He specializes in retirement income strategies and tax-efficient withdrawal planning.
Richard R. Rake
Managing Member
Richard Rake, CLU and CFP, oversees compliance and provides estate planning expertise. With decades of experience, he helps clients protect assets through insurance strategies and legacy planning.
Questions
What financial services do you specialize in?
We specialize in tax-aware income planning, investment management, tax reduction strategies, and estate planning for high-net-worth individuals.
Are you legally required to act in my best interest?
Yes, as fiduciary advisors, we are legally obligated to prioritize your financial interests in all recommendations.
How do you help reduce taxes for retirees?
We implement Roth conversions, strategic withdrawal sequencing, and income layering techniques to minimize tax liabilities.
Do you work with clients outside Connecticut?
Yes, we serve clients nationwide through virtual consultations and local in-person meetings.
What estate planning services do you offer?
We coordinate wills, trusts, power of attorney documents, and beneficiary designations to ensure smooth asset transfer.
