Bob has been helping high-net-worth families and businesses discover and plan for their financial goals since 1983. His philosophy is to emphasize risk management, portfolio diversification*, and comprehensive financial planning. 30 years of experience has provided Bob with a positive outlook on the future

Bob is a CERTIFIED FINANCIAL PLANNER™ professional, a registered General Securities Principal, a General Municipal Bond Principal, and a managing executive with Royal Alliance Associates Inc. (member FINRA/SIPC, an independent broker/dealer). Bob is a long-term member of Royal Alliance’s Royal Court** for top representatives. He is a licensed life, accident, and health insurance agent with the state of Connecticut. Bob is also a former tax attorney.
As a Certified Financial Planner (CFP®) Bob is bound by a fiduciary duty to manage your account to the highest professional standards without exception. This is known as the Fiduciary or Trust Standard. It is the highest standard of care in the financial industry.
A graduate of Boston College with a Bachelor of Science degree in political science, Bob also earned a JD from the Tulane School of Law and an LLM or Master’s degree in Taxation from the Boston University School of Law. He was formerly in private legal practice in Hartford, working in the fields of taxation, corporate law, and estate planning.
Bob is married with two children and lives in Avon. He is an avid tennis player, jogger, golfer, dog lover, and photographer. Many of his scenic photographs are on display in the Karn Couzens offices.
Bob’s comments and insights have appeared in such publications as:
- What Retirement?, CNBC.com
- Paying for College, Financial Times
- Redeploying College Savings, Barron’s
- How to Retire at 40, Bloomberg News
- Delay Your Desire to Retire, New York Post
- Preparing for the DOL Rule, Investment News
- Top area wealth-management firm, The Hartford Business Journal
To learn more about the professional history of our financial advisor(s),
please visit FINRA’s BrokerCheck.
* There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy can guarantee a profit or protect against a loss.
**This award is based upon sales generated by advisors and is not based upon performance or returns experienced by any client or opinions of the advisor’s clients or former clients.
Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation.
Robert Karn, James Couzens and Jeffrey Couzens are Registered Representatives of and offer securities products and services through Royal Alliance Associates, Inc. Member FINRA / SIPC, A registered broker dealer. Representatives may not be registered to provide securities and advisory services in all states.
Robert Karn, Jeffrey Couzens and James Couzens are also separately registered as an investment adviser representative under Karn Couzens & Associates, Inc., a Registered Investment Adviser not affiliated with Royal Alliance Associates, Inc. Representatives may not be registered to provide securities and advisory services in all states.
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Robert Karn, James Couzens and Jeffrey Couzens are Registered Representatives of and offer securities products and services through Royal Alliance Associates, Inc. Member FINRA / SIPC, A registered broker dealer. In this regard this communication is strictly intended for individuals residing in the states of CT, NY, MA, ME, FL, NJ, TX, LA, MD, AL, DE, GA, IN, WA, VT, VA, SC, RI, PA, OR, OH, WV, NV, NH, NC, KY, IL, DC, AZ & CA. No offers may be made or accepted from any resident outside the specific states referenced.
Robert Karn, Jeffrey Couzens and James Couzens are also separately registered as an investment adviser representative under Karn Couzens & Associates, Inc., a Registered Investment Adviser not affiliated with Royal Alliance Associates, Inc., offering advisory services in the states of CT, NY, ME, FL, TX, and LA. . As such these services are strictly intended for individuals residing in these states.
IMPORTANT CONSUMER INFORMATION:
A broker-dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker-dealer, investment adviser, BD agent or IA rep registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a form or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirement, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of broker-dealer, investment adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator