Planning for the future is an essential part of every divorce settlement. Separating or divorcing couples often face major financial transformation, which is why we want to provide the best options for each individual and their children. At Zoe’s Divorced Happily Group, we practice a holistic approach to financial planning. We offer stable financial options such as whole life insurance plans that can be uniquely design to work in conjunction with a college savings plan (529 plan) that can benefit your children even after they graduate college.

Reassessing your financial wellness during this time of transition, whether pre or post divorce, is a critical step in ensuring that you and your family are properly prepared for what lies ahead.

To provide the highest level of financial counseling, we’ve partnered with Raymond J. Kubick, CFP® and his firm Connecticut Financial, LLC.

Ray is a Wealth Management Advisor and Certified Financial Planner® with over 27 years in the financial services industry. He and his team of experienced professionals take a unique and simplified approach to financial planning that can easily identify strengths and weaknesses in your overall financial wellness. In addition to offering strategic, high level, financial planning concepts, to lifestyle pressured professionals and their families, Ray also maintains an active focus on teaching and training. This includes speaking engagements with Quinnipiac University’s Schools of Business and Medicine, and Yale-New Haven Hospital’s Radiology Department, in addition to workshops with other financial planning advisors and agents across the country. Ray and Connecticut Financial are proud members of the Massachusetts Mutual Life Insurance Company (MassMutual).

Due to the comprehensive nature of Ray’s servicing, which includes investment and tax consideration, prospective clients are considered on a referral basis. Initial consultations are complimentary to determine if there is a mutual fit. Ray believes advising a family, business or individual on their financial matters is a very private affair.


Connecticut Financial has offices Connecticut, New York, and South Florida. To learn more, please call 305-846-2569 or email

Raymond Kubick is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC, Member SIPC. OSJ 2321 Whitney Ave., Suite 402; Hamden, CT 06518. Tel: (203) 288-5700. Connecticut Financial, LLC is not a subsidiary or affiliate of MML Investors Services, LLC or Zoe’s Divorced Happily Group.