
Work With a Local Connecticut Advisor
Michael Ciarlo
Financial Advisor & Insurance Broker
Helping Connecticut residents navigate:
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Medicare Advantage vs Supplement
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Retirement income planning
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Investment & Risk Analysis
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Social Security timing
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Long-term care protection
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Independent advisor representing multiple insurance companies.
As an expert in retirement, my mission is to serve the unique and specific needs of those 55+.
My primary goal is to provide solutions to retirement concerns by offering a variety of products from industry leading companies. I focus on helping clients create and protect their retirement lifestyle against unforeseen losses or setbacks. I hold myself to the highest level of integrity by finding the right companies and products to meet the needs of my clients.





Make Sure Your Retirement Plan Is Ready
Turning 65 is also the time to review your broader financial strategy.
We help clients with:
Retirement income planning
Protecting savings from market risk
Guaranteed lifetime income strategies
Long-term care planning
Many clients combine Medicare planning with retirement income strategies to create a complete retirement plan.
What Clients Say
"Michael made Medicare simple and helped us create a retirement income plan that gave us peace of mind."
What Clients Say
"Michael was so helpful to me when I began the retirement process. He walked us through all the steps and was very informative. I have already recommended him to many friends and
family members!"
What Clients Say
"Michael is very knowledgeable, informative, and was very helpful with the rollover. A great personality, answered all our questions, and made us feel good about our retirement money. I would recommend him to anyone!!"
What Clients Say
"Mike is extremely knowledgeable and helpful when it comes to retirement planning! 100% would recommend him."
What Clients Say
"Michael Ciarlo is a very knowledgeable, sharp individual when it comes to helping folks prepare for retirement. Whether it is Medicare coverage options, social security optimization, or income planning in retirement, he ensures all of his clients have all the information available to make informed decisions. Highly recommend his services!"
What Clients Say
"Michael was so helpful to me when I began the retirement process. He walked us through all the steps and was very informative. I have already recommended him to many friends and family members!"
What Clients Say
"Michael is very knowledgeable, informative and was very helpful with the rollover. A great personality, answered all our questions And made us feel good about our retirement money. I would recommend him to anyone!"
What Clients Say
"Mike is extremely knowledgeable and helpful when it comes to retirement planning! 100% would recommend him."
What Clients Say
"Michael Ciarlo is a very knowledgeable, sharp individual when it comes to helping folks
prepare for retirement. Whether it is Medicare coverage options, social security
optimization, or income planning in retirement, he ensures all of his clients have all the
information available to make informed decisions. Highly recommend his services!"






