facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast blog external search brokercheck brokercheck

We are a cohesive team of financial professionals dedicated to providing our clients with exceptional service and build relationships that endure for a lifetime or more.  Working with Karn Couzens & Associates, Inc. means that you have a dedicated team behind you and your family, for generations to come.

We seek to encourage the kind of collaborative confidence that allows our clients to live their best lives, while planning for the rest of their lives. Taking into account your long term and short term goals allows us to tailor a specific financial plan to help you prioritize and achieve the milestones you set for yourself, your family, and your friends. 


As a multi-generational family business, we understand the importance of educating the next generation in fiscal responsibility and welcome all of our clients to schedule a complimentary web-conference for their children with our Millennial Outreach Team. This 15 minute session is designed by team members, of a similar age range, who can relate to a generation that is eager to learn and often underestimated.




When deciding if a financial advisor is right for you, it’s important to keep in mind that the professional you choose is going to be a trusted advisor, confidant, and long-term partner.  Your financial advisor’s primary objective is to get to know you, your goals, and your obstacles.  Sharing this personal information with someone means engaging someone with whom you feel comfortable. At Karn Couzens & Associates, Inc., we take great pride in our relationships with our clients. We invest our time and knowledge into fostering true partnerships with those we help. Our goal is to inspire confidence in our clients to live their best lives leading up to and through retirement.

Robert Karn  Photo

Robert Karn

President
Read Bio

Robert A. Karn JD, LLM, CFP®

Royal Alliance - National Advisory Board Member


I have been helping high-net-worth families and businesses discover and plan for their financial goals since 1983. I am known for my love of books and if you’d like to check out my book blog, please visit https://karncouzens.com/bobs-book-blog

My training as an attorney has given me a strong grasp of many of the estate and tax concepts that are necessary for managing wealth in a comprehensive way. 

I am married with two children and live in Avon. I am an avid tennis player, jogger, golfer, dog lover, and photographer. Many of my scenic photographs are on display in the Karn Couzens offices.


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.

____________________________________________________________________________________________

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 Couzens Photo

Jeffrey Couzens

Vice President
Read Bio

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.

James Couzens Photo

James Couzens

Financial Advisor
Read Bio

James Couzens, CLU®, ChFC®

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.

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

William Rogers Photo

William Rogers

Financial Advisor
Read Bio

William M. Rogers

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 Madison, CT.

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




Dan Kearney Photo

Dan Kearney

Compliance Manager
Read Bio

Karn Couzens & Associates, Inc welcomes Dan Kearney to the team!  Dan has joined our team and taken over the role of Compliance Manager.  Dan joins us after having spent the past 9 years in compliance at Voya Financial and an additional 10 years prior to that in compliance at Mass Mutual and Advest, Inc.

Dan is an avid camper and outdoors-man who enjoys spending time with his wife, two daughters and their Labrador puppy.


Lisa Allard Photo

Lisa Allard

Office Manager
Alexis Karn Photo

Alexis Karn

Director of Client Relations
Andrew Emerson Photo

Andrew Emerson

Director of Technology

Our transparent fee structure is designed to enhance the development of trust in the partnership we build together.  Click the link below to view our ADV below for more information, including the fee schedule and structure on pages 12 - 13.

 Firm Brochure ADV  Privacy Notice

Check out Bob's Book Blog for great literary suggestions or our KC+A Advisors Blog for comments and insights from our Advisors and Staff.




Trouble accessing your account?  Forgot your password?

Call (860) 676-2727 for immediate assistance over the phone or to schedule a walk through via web-conference.

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the web sites provided here, you are leaving this web site. We make no representation as to the completeness or accuracy of information provided at these web sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, web sites, information and programs made available through this web site. When you access one of these web sites, you are leaving our web site and assume total responsibility and risk for your use of the web sites you are linking to.

Need Help?

In an age of impersonal automation and complicated touch tone menus, a friendly voice is a rare commodity. An associate will always be here to assist you during regular business hours. Our associates come from a diverse background of professional experiences. Together we form a cohesive team dedicated to a true partnership.


We're here for you, Monday to Friday, from 9am until 5pm.

Are you a client interested in logging in to view your account and/or change your paperless settings? If you are already registered with one of our online access products, please click the appropriate link below to be redirected accordingly.  If you'd like to request access, need help deciding which one works best for you, or need help logging in; contact an associate at (860) 676-2727 or send us an email at the bottom of this page.

  • View your accounts 
  • Link your outside accounts
  • Budgeting tools
  • Credit Card Rewards Management
  • Secure Vault for Documents

  • View your accounts
  • View and Download Statements
  • Change Paperless Settings
  • Available Mobile App
  • Deposit Checks

  • View Royal Alliance Accounts Only
  • View and Download Statements
  • Change Paperless Settings


**We strongly recommend that all clients currently using this program consider switching to eQuipt for a more intuitive customer experience that includes enhancements and new product offerings.  Ask an associate for more details.




Check the background of this firm/advisor on FINRA’s BrokerCheck.