What Can We Do For You?

Below is a complete guide to the services offered for you and your family; it's time to take control of your future.

Financial Solutions For You

As a valued client, our relationship is built on trust. With over three decades of experience and industry knowledge, CPT Wealth Strategies understands that each client is unique and faces different income challenges.

Family Legacy Planning Strategies

Legacy planning strategies can be an emotional and complex series of decisions. Whether you want to leave your assets to your heirs or charity or want to develop a succession plan for your business, CPT can help you. We will design a strategy that aims at allowing you to share your life's successes with others while leaving a legacy for those you love.

You don't need to be wealthy to take advantage of today's legacy options. Trusts are not only for the super-rich. It would help if you got comfortable with terminology like Power of Attorney, Payable on Death (POD), Transfer on Death (TOD), and Next of Kin. Regarding all these techniques, you might need estate planners and attorneys to help you navigate the complicated rules around estate planning. Estate Planning services are provided by your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.

Please book a consultation today to ask how I could help you with your estate planning needs.

Insurance Strategies

Insurance is a term people often use but only sometimes understand. For customers, insurance companies offer a contract (known as a policy) whereby an individual or corporation receives a promise of reimbursement against possible losses in exchange for a premium. Insurance companies pool risk this way; that means that if an insurance company has to pay out a death claim, the company is still bringing in revenue, according to Investopedia (1).

There are several types of insurance. Some of them—like life insurance—are straightforward. Yet, even in life insurance, there are many things to consider, like term vs. whole life. Other types of insurance, such as fixed-indexed annuity contracts, might require even more explanation. You can buy a car, home, boat, or business insurance. You can also purchase insurance for things like needing long-term care in retirement, liability insurance for your business, and disability insurance for your profession.

People often discuss insurance as “protection,” but it’s risk mitigation. It helps ensure that clients don't face their risks flat-footed, no matter what twists and turns come with life. Nothing can protect you from risk. However, with thoughtful, proactive, and detailed insurance strategies (as part of a comprehensive financial strategy), you may have more options than you would have without insurance.

Please book a consultation with me today to discuss a customized strategy for you and your family.

Retirement Income Needs

No two careers follow the same trajectory. Following that, both retirements are pretty different, too. Everyone will have different income goals, needs, and strategies.

We at CPT Wealth Strategies take the time to listen to your needs and help formulate a strategy to take you from the accumulation phase of your life to the distribution phase. Half of U.S. households are at risk of not having enough income to maintain their standard of living in retirement, according to the Center for Retirement Research at Boston College. Most people can no longer rely on the pensions many workers in prior decades enjoyed. At the same time, stagnate wages and job insecurity have grown more common, according to an article on Annunity.org (2). According to experts on Fortune.com, a good rule of thumb is that your retirement income should equal about 80% of your pre-retirement income. For example, if you make $150,000 per year, you should aim to have at least $120,000 per year in retirement to live comfortably in your golden years (3). This disparity, to say the least, is striking.

Whatever your plan and retirement goals, I can help you evaluate options for retirement income. I’m ready to listen; I’m prepared to lend my experience. Please book a consultation today.


1 Sean Ross, Understanding Insurance vs. Excess Insurance vs. Reinsurance, Investopedia [website],
https://www.investopedia.com/articles/personal-finance/081116/insurance-excess-insurance-and-reinsurance-whats-difference-all.asp, (Updated June 22, 2021, Accessed April 2023)
2 Rachel Christian, Running Out of Money in Retirement: What’s the Risk?, Annunity.org [website]
https://www.annuity.org/running-out-of-money-in-retirement/, (Posted February 10, 2023, Accessed April 2023)
3 Kaitlyn Koterbski & Ivana Pino, How much money do you need to retire? A good rule of thumb is to save enough to cover 80% of your pre-retirement income, Fortune.com [website] https://fortune.com/recommends/investing/how-much-money-do-you-need-to-retire/, (Posted Oct 19, 2020, Accessed May 2021)

Meet Mike Roberts

Mike Roberts is an experienced professional in the Financial Services, Insurance, and Risk Transfer industry. He assists clients in creating and implementing financial strategies for estate protection and business transfer and wealth accumulation. Mike's knowledge and expertise are in helping to build and protect wealth and mitigating risk.

Mike started his career with AXA Equitable and ran the Private Client Wealth insurance practice at one of the preeminent NYC prestigious firms, Frank Crystal and Co. and previously as the NY, NJ, CT Metropolitan Area Life specialist for Arthur J Gallagher Insurance and Financial Services Division. Mike joined Fortis Lux Financial in 2019 and was one of their top producers. In 2020, he founded CPT Wealth Strategies.

Mike works with clients from the Mail Room to the Board Room, Family Offices, and Corporate Executive offices. These include private companies, unions, and individual estates. He provides his clients with the expertise needed to customize offerings with products that guarantee immediate funding and risk mitigation in response to a life triggering event.

Where to find us