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}

Jeffrey joined Karn Couzens & Associates Inc. in 1997 after a six-year career in photography and photofinishing. A Business Administration – Marketing graduate of Southern Connecticut State University, he also attended programs at The College for Financial Planning in Denver and Quinnipiac University in Hamden.

Jeffrey is instrumental in fostering Karn Couzens’ emphasis on exceptional client service as the key to maintaining lifelong client relationships.

He is a licensed life, accident, and health insurance agent in Connecticut, New York, Georgia, Florida, and New Jersey. He has served three terms as president of Business Network International’s Farmington chapter and twice as vice president.

Jeffrey actively supports charitable organizations including food kitchens and animal rescue programs. He enjoys riding motorcycles and ATVs, photography, fishing and hunting, music and art, baseball and football, and his dog, Sasha.

To learn more about the professional history of our financial advisor(s),
please visit FINRA’s BrokerCheck.

Jim has been involved in financial planning with an emphasis on retirement planning since 1969. He began his career with Phoenix Mutual Life Insurance Company and joined Pension Associates in 1972. In 1984, he started his own financial planning company and co-founded Karn Couzens & Associates Inc. three years later.

A 1967 graduate of Southern Connecticut State University with a Bachelor of Arts degree in Economics, Jim has earned Chartered Life Underwriter and Chartered Financial Consultant designations from the American College.

Jim’s commitment to others is long established. He served our nation in the U.S. Army, and he and his wife, Jessica, raised their three sons in the town of Hamden, where he served on the Board of Education, Town Council, and Police Commission.

He is most pleased that his son Jeffrey chose to follow his career as a financial planner with Karn Couzens & Associates. Jim encouraged in Jeffrey the same commitment to putting clients’ needs first that he has practiced for more than four decades of financial advising.

Jim enjoys playing golf, and he and Jessica split their time between Wallingford and Stuart, Fla.

To learn more about the professional history of our financial advisor(s),
please visit FINRA’s BrokerCheck.

Travis joined Karn Couzens & Associates, Inc. in January of 2013. He comes to Karn Couzens with 5 years in the online brokerage industry and has held positions in both Springfield, MA and Waterford, CT. Before his time in the online brokerage industry, Travis attended Bryant University in Smithfield, RI where he earned a Bachelor’s of Science in Business Administration with a concentration in Finance and a minor in Communications.

Travis came to Karn Couzens with a General Securities license and obtained a Connecticut Life & Health Insurance license shortly after joining the team. With his prior work and education experience, Travis excels at establishing long-term business relationships and helping families and business with retirement planning solutions.

In his free time Travis enjoys being outdoors. Travis is an avid golfer and also enjoys playing basketball and soccer in his free time. He also enjoys hiking, photography and music.

To learn more about the professional history of our financial advisor(s),
please visit FINRA’s BrokerCheck.

Mr. Rogers is an Investment Advisor Representative of Karn, Couzens & Associates, Inc. and his focus is on designing and implementing financial plans for individuals and small business owners.

Bill graduated from the University of New Haven, Summa Cum Laude, in 1976 and received his CPA Certificate in Connecticut in 1978. In private practice, his firm was located in Hamden, CT from 1994 – 2006 and in January 2007 merged with Beers, Hamerman & Co. P.C. He is a member of the Connecticut Society of Certified Public Accountants. Bill has extensive knowledge of personal, partnership and corporate income taxation with an emphasis on serving the needs of physicians, dentists and other personal service organizations.

Bill is married and he and Bonnie split their time between Osprey, FL and Meriden, CT.

To learn more about the professional history of our financial advisor(s),
please visit FINRA’s BrokerCheck.