Retirement Planning
From savings strategy to income distribution, Mike helps you build a plan that gets you to retirement — and carries you through it.
Claro Advisors
Michael Kurkulonis
Mike Kurkulonis helps individuals and families build the financial independence they've worked for — and works to help make sure they can enjoy it.
About your advisor
- CRPC®
Michael Kurkulonis
Vice President & Wealth Advisor
Mike Kurkulonis is a Vice President and Wealth Advisor at Claro Advisors with over 18 years of experience in financial services. His practice focuses on retirement planning, asset protection, wealth accumulation, and wealth transfer — the full arc of building and preserving financial security for individuals and families.
As a Chartered Retirement Plan Counselor (CRPC®), Mike works to help each client understand their portfolio in the context of their own life, not someone else's template.
Before joining Claro in 2012, Mike built his career at Morgan Stanley, Fidelity Bank, and Millbury Credit Union, bringing broad institutional experience to a very personal kind of work. He earned his BA in Marketing from Assumption College and holds a Life and Health Insurance Producer license in Massachusetts.
Focus Areas
Services
Asset Protection
Protecting what you've built is just as important as building it. Mike structures portfolios with downside awareness and your long-term security in mind.
Long-Term Care Planning
As a Certified in Long-Term Care professional, Mike brings specialized expertise to one of retirement's most overlooked risks — and most important conversations.
Wealth Transfer
Whether you're thinking about legacy, estate planning, or gifting strategies, Mike helps make sure your wealth goes where you want it to.
Wealth Accumulation
Smart, disciplined investing over time. Mike works with clients to grow assets in ways that align with their goals, timeline, and risk tolerance.
Insurance & Income Protection
As a licensed Life and Health Insurance Producer, Mike helps clients assess and close gaps in income protection across all life stages.
process
How We Work Together
01
Get the Full Picture
Before anything else, we take time to understand where you are — your income, your assets, your goals, and the things keeping you up at night. No assumptions, no generic checklists.
02
Build Your Plan
We develop a personalized financial plan that connects your current situation to where you want to go. Retirement timeline, risk profile, long-term care exposure, estate considerations — all of it, together.
03
Put It to Work
With a clear strategy in place, we build and implement a portfolio designed for your life — with each position intentionally selected to support your goals.
04
Protect What Matters
We assess your coverage and risk exposure — income protection, long-term care, insurance — to help reduce the impact of unexpected events on your plan.
05
Stay in Step
Your life changes. Your plan should too. We meet regularly to review progress, revisit assumptions, and keep everything current.
faqs
Common Questions
What types of clients do you typically work with?
My practice is built around individuals and families who are either approaching retirement or already in it. Many of my clients are focused on making sure they don't outlive their money, protecting what they've built, and thinking through what they want to leave behind. I also work with clients at earlier stages who want to get serious about building wealth with a long-term plan in place.
What does your retirement planning approach look like?
Retirement planning isn't just about your investment account — it's about income, expenses, healthcare, longevity, taxes, and legacy. We look at all of it together. As a Chartered Retirement Plan Counselor, I'm specifically trained to help clients think through the full picture of retirement readiness, not just the portfolio side.
Why does long-term care planning matter?
Long-term care is one of the biggest financial risks retirees face, and it's one of the most underplanned-for. The cost of extended care can erode decades of savings quickly. My CLTC certification means I have specific training in this area — I help clients assess their exposure and think through options before a crisis forces the decision.
How often will we meet?
That depends on what's useful to you. Most of my clients and I connect at least annually for a formal review — but we're in touch more regularly when there's a decision to make or something in your life that changes the picture. My goal is to be available when it matters, not just on a schedule.
Start a conversation with Michael Kurkulonis
Important Disclosures
This microsite has been prepared by Mike Kurkulonis, CRPC®, a financial advisor with Claro Advisors Inc., an SEC-registered investment adviser (CRD No. 160294). The information presented is intended to describe Mike's background, services, and general approach to financial planning. It does not constitute investment advice, a solicitation, or an offer to buy or sell any security.
Registration with the SEC does not imply a certain level of skill or training.
Services and Scope: Claro Advisors provides investment management and financial planning services. References to tax planning describe general financial planning considerations only and do not constitute tax advice. Clients should consult a qualified tax professional or attorney for tax return preparation, legal matters, or jurisdiction-specific guidance.
Investment Risk: All investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. There is no guarantee that any investment strategy or financial plan will achieve its objectives. Actual results will vary depending on individual circumstances.
Tax Outcomes: Tax strategies and tax-aware planning approaches are intended to seek opportunities to improve after-tax outcomes. Tax results are not guaranteed and will vary based on each client's individual tax situation, applicable law, and other factors outside the adviser's control. Clients should consult a tax professional regarding their specific circumstances.
Financial Planning: Financial planning and goal-based strategies are designed to help clients work toward their objectives. Engaging in planning does not guarantee any specific financial outcome. Results depend on many factors, including market conditions, individual behavior, and circumstances that cannot be predicted or controlled.
Compensation: Claro Advisors is a fee-only registered investment adviser. Compensation is based solely on fees paid by clients. Claro Advisors does not receive commissions or compensation from product sales. A full description of our fee schedule and compensation arrangements is available in our Form ADV Part 2A at https://adviserinfo.sec.gov/firm/summary/160294 or upon request.
Form ADV: Claro Advisors' Form ADV Part 2A and Part 2B, which describe our services, fees, conflicts of interest, and disciplinary history, are available upon request or at https://adviserinfo.sec.gov/firm/summary/160294. Prospective clients are encouraged to review these documents before engaging our services.
CRPC® Designation: The Chartered Retirement Plan Counselor (CRPC®) designation is awarded by the College for Financial Planning to individuals who complete a study program and pass a final examination. The designation focuses on retirement planning, including pre- and post-retirement needs, asset management, and estate planning considerations. The designation requires ongoing continuing education for biennial renewal.