Watertown, CT Office

Happiness in Retirement serves individuals, high-net-worth clients, trusts and estates with comprehensive wealth management, discretionary portfolio management and financial planning. The firm manages roughly $192.5 million for about 240 clients through a five-person advisory team and also provides retirement-account advice, tax-preparation support, insurance consulting and oversight of held-away assets.

Its investment approach is primarily long-term and built around diversified, low-cost mutual funds and ETFs, with selective use of individual equities; the firm uses fundamental, technical and cyclical analysis and leverages Point & Figure charting from Dorsey, Wright. Happiness in Retirement acts as a fiduciary on retirement accounts, typically manages client portfolios on a discretionary basis, and integrates planning, estate-planning technology and tax work into client engagements.

Noteworthy distinctions include hosting free educational workshops and seminars that provide impersonal financial education to attendees, a service that is relatively uncommon among similar team firms. The firm also participates on the Schwab Charitable donor-advised fund platform (and does not charge an investment management fee on DAF accounts), covers the cost of Vanilla Estate Planning for comprehensive clients, and uses a third‑party insurance consultancy platform (RetireOne) for insurance reviews.