David Cikatz

I help small business owners & pre-retirees navigate complex financial decisions with clarity and confidence. My goal is to provide comprehensive, personalized guidance that empowers clients to make smart choices around taxes, retirement, investments, charitable giving, estate planning, and business transitions. My approach is fee-only and education-driven. Clients can work with me through a transparent subscription-based planning model or, when appropriate, traditional investment management. I don’t believe in one-size-fits-all solutions—my work is tailored to each client’s income, assets, and life goals. I specialize in helping clients who are in major financial transitions, such as preparing for retirement within 10 years, selling a business, or managing complex taxable accounts. I also work with high-income DIY investors and first-generation wealth builders who want objective advice without the conflicts of interest that come with traditional asset management. What sets me apart is my ability to combine technical expertise with behavioral insight. I help clients uncover the underlying habits and beliefs that may be holding them back, then design strategies to optimize lifetime taxes, plan charitable giving, implement Roth conversion strategies, and build comprehensive estate plans from scratch. I enjoy working with clients who value clarity, long-term planning, and a collaborative partnership. My goal is not to sell products but to provide actionable guidance that gives clients confidence in their financial decisions today and peace of mind for the future. Whether you are a solopreneur, business owner, educator, or high-earning professional, I tailor my services to meet your unique needs and help you achieve financial goals on your terms.

Christopher Holloway is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), supporting his role in assisting clients with comprehensive wealth planning and investment management. With experience as a Senior Vice President and Portfolio Advisor, Christopher focuses on creating personalized financial plans that address clients’ unique goals, including retirement planning, education funding, and long-term family objectives. He emphasizes simplicity and transparency to help clients navigate the complexities of wealth management. Christopher earned a Bachelor's Degree from Salve Regina University. He is actively involved in his community, serving on advisory boards such as Catholic Charities of SE Connecticut, Junior Achievement of Connecticut, and various local baseball organizations. Additionally, he volunteers as a baseball and soccer coach and supports fundraising and educational initiatives through multiple local organizations.