Centel Wealth Advisory

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North Haven, CT
Centel Wealth Advisory

Centel is an independent wealth advisory firm committed to protecting, growing and transforming your wealth into lasting success.

05/29/2026

🎓 Education costs keep rising. Planning ahead matters more than ever!

A 529 College Savings Plan remains one of the most powerful and tax-efficient ways to save for future education expenses in 2026. This is one of the most overlooked strategies investing in a child or grandchild’s future!

Why 529 plans remain valuable in 2026:

✔ Tax-free investment growth
✔ Tax-free withdrawals for qualified education expenses
✔ High contribution limits and gifting flexibility
✔ Funds can now be rolled into a Roth IRA (subject to IRS rules)
✔ Potential state tax deductions depending on where you live
✔ Funds can be used for college, graduate school, trade programs, and certain K-12 expenses

Education prices historically haven’t moved lower - which makes proactive planning even more important!

If you’d like to discuss college savings strategies or review your current plan, reach out to us at Centel Wealth Advisory to connect!

[Contact Centel] https://centelwealth.com/contact/

05/19/2026

The future of the RIA industry depends on the next generation of financial advisors and the time to invest in that future is now! With a projected shortage of financial advisors in the coming 8-10 years, firms that prioritize mentorship, development, and succession planning today will be best positioned for long-term success.

At Centel Wealth Advisory, we’re committed to developing talent at every stage - creating an environment where colleagues can grow, succeed, and build lasting careers. We believe investing in our people creates stronger outcomes for both our team and the clients we serve. Supporting the next generation of advisors is one of the most important investments we can make!

If you’re looking for a firm that supports both your personal and career growth, let’s connect!

[Contact Centel] https://centelwealth.com/contact/

05/10/2026

Happy Mother's Day from all of us at Centel Wealth Advisory – today we honor the women who've always known that the greatest investment you can make is in family! 🌸

Mothers have always known that true wealth isn't just measured in dollars - it's built in the lessons passed down, the sacrifices made, and the futures carefully planned for the ones they love.

[Contact Centel] https://centelwealth.com/contact/

04/15/2026

Tax Day reminder: the best tax strategy isn't filed in April - it's built all year long. If you're ready to be more proactive in the future, Centel Wealth Advisory would love to help!

04/08/2026

At Centel Wealth Advisory, we've always believed that the best advisors shouldn't have to choose between independence and infrastructure. They should have both!

We aim to expand what’s possible for financial advisors looking to grow their businesses with intention.

Centel is a Sanctuary Wealth Enterprise Partner - which means we've built something most advisors spend their careers searching for: enterprise-level support without the constraints that usually come with it.

For advisors thinking about their next move, here's what our platform offers:
🟡 Enterprise-grade infrastructure and operational support
🟡 Tools & Resources - built to help you grow and scale efficiently
🟡 Freedom to remain independent and client-focused
🟡 Access to a trusted network of collaborative partner firms
🟡 Strategic guidance aimed at building long-term enterprise value

We believe the future of financial advice belongs to advisors who can think like entrepreneurs and deliver like institutions. We're building that platform - one relationship at a time.

Thinking about your next move and want to learn more? We'd love to have a conversation - please reach out!

03/31/2026

If you haven't thought about Required Minimum Distributions yet, there's a good chance you will soon - and the rules have changed more than once.

The age at which you're required to start withdrawing from your IRA has shifted twice in recent years, thanks to the SECURE Act (2019) and SECURE Act 2.0. Where you land now depends on your birth year:

Born 7/1/49 – 1950 → RMD age 72

Born 1951 – 1959 → RMD age 73

Born 1960 or later → RMD age 75

That shift from 70½ to potentially 75 is significant. More time for tax-deferred growth - but also more planning required to avoid unnecessary tax bills down the road.

The goal isn't just knowing your RMD age. It's building a strategy around it.

Have questions about how RMDs fit into your retirement picture? Reach out to the Centel Wealth Advisory team to review!

[Contact Centel] https://centelwealth.com/contact/

03/26/2026

Backdoor Roth IRA - Tax Strategy for High Earners

High earners often assume Roth IRAs are off the table - but that’s not always true.

If your income exceeds IRS limits (2025: $161K single / $240K married filing jointly), you can’t contribute directly - but there’s a workaround known as the Backdoor Roth IRA!

How it works:
• Contribute to a non-deductible Traditional IRA
• Convert those funds to a Roth IRA

Why it matters:
✔️ Tax-free growth
✔️ Tax-free retirement withdrawals
✔️ No RMDs
✔️ Greater control over taxable income

It’s not one-size-fits-all, but for the right investor, it can add valuable tax efficiency and flexibility.

If you’re a high earner looking to build tax-free growth, reach out to the Centel Wealth Advisory team to see if this strategy fits your plan.

The goal isn’t just saving more - it’s saving smarter!

[Contact Centel] https://centelwealth.com/contact/

03/24/2026

👋 Meet Stephen Fordyce - Founder & Managing Partner at Centel Wealth Advisory!

Steve co-founded Centel Wealth Advisory in 2024, bringing with him decades of experience from Merrill Lynch and Snowden Lane Partners, where he served as Senior Partner and Managing Director.

A CERTIFIED FINANCIAL PLANNER® with Series 7, 31, 63 & 65 licenses, Steve has spent his career building trusted relationships and helping clients feel confident about their financial futures. He holds a BA in Economics from Middlebury College and an MBA in Finance from Sacred Heart University.

When he steps away from the office, Steve is happiest with a fishing rod in hand, out on the boat, or working on his golf game. Most importantly, he's a proud dad to his three daughters, Kayla, Kylie, and Jillian, who inspire everything he does!

We're thrilled to have someone with Steve's depth and experience at the helm of Centel Wealth Advisory!

03/19/2026

Spring is a season for fresh starts, and that can include your finances too! A little spring cleaning today can help create clarity for the months ahead.

While you're organizing around the house, it may also be a good time to tidy up your financial plan and make sure it still reflects your goals.

Centel Wealth Advisory is always here to help you stay organized and on track – reach out to the team for a financial check-in anytime!

03/17/2026

Happy St. Patrick’s Day from the team at Centel Wealth Advisory! ☘️

A little luck is always nice, but thoughtful planning is what truly helps build a strong financial future. We’re grateful to support our clients every step of the way!

Wishing you a wonderful day of celebration, good fortune, and time with loved ones!

.Patrick’sDay

Address

127 Washington Avenue
North Haven, CT
06473

Telephone

+12034297777

Website

https://centelwealth.com/

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