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Forbes Best In State Wealth Advisors
Joeseph Covill of CT Financial Partners in Glastonbury, CT
Ranked by Forbes:

#89 Forbes Best-In-State Wealth Advisors 2022
#11 Forbes Next Gen Best-In-State Wealth Advisors 2019
#460 America's Next Gen Advisors 2018
So the market is very volatile. It can get emotionally very stressful. I think the most important thing that people don't do is they don't actually take stock of their specific situation. Is investing emotional? Of course it is. You know, especially recently when the market is down. When the market is the way it is, it's pretty volatile. So on a short-term basis, stocks are going to rise and fall more often than people think, I think I saw some of that. There's been like 38 1% move or moves up and down, up or down on the Nasdaq specifically to start the year. So what we try to do is just take a step back with our clients so they understand some of the fundamentals of investing, right. You need a purpose for why you're investing. How it applies to you, or you and your spouse is the most important thing. Consistency, I think, is the next thing that you need. You know, once you have all those goals defined and you know you have a plan to get there, stick with it. Not getting caught up in like, oh, you know, you're getting a push notification on your phone about the market being down 800 points and getting, you know, worried about your portfolio.


"Like, I'll tell clients all the time that are retired. Like, can you just please go back to playing golf and just go back and play golf please? Because you're going to drive yourself crazy."
- Joe


The third thing I would say is patients really, you know, it kind of ties everything together. If I have a 60-year-old couple that comes in here and they're worried about the short-term market, I want to reinforce to them that if they're healthy, even though the market may be volatile today, keep in mind that the money that they need needs to last for 30 years. Whenever you're planning for something ten, 15 years down the road, you know, 20 years down the road. It takes patience. You need the patience to have the consistency to be able to stick with your purpose. You know, we haven't had a single client who I've said, Hey, you've got to go back to work because the market's down 15%. Right. So if you're not going to have to go back to work when you're retired or you're not going to have to change your retirement date because the market's down 10%, right. Then is it really at the end of the day, having any effect on you on a day-to-day basis?
Not at all. So the only effect it's having on you is how you feel about it. From there, it's how you react to it.
Emotional Investing
How the Firm was Founded
"So this firm was literally founded over a burrito. We all grew up at the same firm; Kristen, Mike, Joe and I (Bob). And then we all left about five years ago. I walked into Chipotle in Glastonbury, which is Joe's favorite place to eat. Of course, I walked in and Joe was there. I had not seen him in literally ten years. At that exact time, I was looking to leave my former firm and Joe was breaking a wall down in this office to expand that day when we met, at Chipotle. We sat down and I told him I was looking to leave, and he told me he was looking to break a wall down. It just matches. Some people think it's Connecticut Financial Partners, which obviously works, which is great for the state. It's just we came up with CT and the T fit in the C and that was the ballgame, sold."

-Bob

"It's a play on words. The C is Covill and the T is Tubridy. But everyone thinks it's Connecticut because we were the first two. So I used to when it was just me call it J.T. Covill Investment Advisory, cause it was just me. But then when Bob joined, you know, I didn't think that that would make a lot of sense we did a little name change, and it's been like that ever since. So it's perfect because I've had people call it Connecticut Financial Partners, not knowing it's Covill Tubridy. You know, and the reality is, is that's the way at this point because Kristin is here and Mike is here, you know, et cetera. That's kind of the way I think about it anyways at this point. But that's really the way is the way it started."

-Joe
"What's the best advice I could give somebody? Life is long. Don't make long term decisions on a short term feeling. You know, I think that trying to have a little more consistency in life and not succumbing to our kind of short term feeling and not messing something up in the long term."
-Joe

"Best advice, that's a tough one. Work hard. I enjoy working, I do. So I don't like to sit around, I don't like my kids sitting around. So I think if you work hard enough, good things happen. Find out what you want to do in life. If you like what you do that's all that matters. If you like what you do, you'll be a happy person."
-Bob

"I've got a lot of good advice. Don't panic. Don't make long term decisions based on short term circumstance. Stay the course. If you can do those things, you're probably going to be okay."
-Kristen

"There's a few things. From when I was a child, my grandfather was a business owner who would always tell me just be a good guy. Be honest and work hard. Never be satisfied with what you have, and always want more. What's the next thing."
-Mike
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180 Glastonbury Blvd.
Suite 102
Glastonbury, CT 06033
Client Relationship Summary
This communication strictly intended for individuals residing in the states of CA, CO, CT, FL, GA, IL, IN, MA, MD, NC, NH, NJ, NY, NV, OH, OR, RI, SC, TN, TX, VA. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services. Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks, including possible loss of the principal invested. Securities and advisory services offered through Commonwealth Financial Network®, Member FINRA, SIPC, a Registered Investment Adviser.
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