Let's make a plan. Come to us, or our wealth management consultants will come to you.

Union Savings Bank Investing & Wealth Management financial advisors bring years of experience to the process. The USB team brings local service and worldly expertise to the table for every discussion – whether we meet at our offices or at your home, office or organizational meeting. First, we’ll make sure you’re comfortable, then we’ll make sure to collaborate with you to create an excellent plan. That’s what it’s like to work with Union Savings Bank Wealth Advisors.

The USB Wealth Management Team:

Frederick Judd Bio - Team
Frederick “Rick” F. Judd, III, CFP® Executive Vice President, Wealth Management, Branch Banking and Treasury Services

Rick brings over 20 years of experience to his role at Union Savings Bank and is responsible for all consumer business lines which include Branch Banking, Mortgage,  Treasury Services, and Wealth Management. He joined Union Savings Bank in 2006 as the Head of Wealth Management. Prior to joining Union Savings Bank, Rick was a Senior Vice President and Regional Manager with Webster Financial Advisors in Waterbury where he obtained his CERTIFIED FINANCIAL PLANNER™ designation. Rick resides in Litchfield, CT with his family and is very active in the community.  He is on the Board of the Connecticut Junior Republic which provides services to children and their families throughout Connecticut. He is also on the Board of Camp Boyd that serves Boy Scouts in the Litchfield area. Rick obtained his Bachelor of Business Administration degree from Saint Michael’s College.

Patricia Carlson Bio - Team
Patricia A. Carlson* Senior Vice President, Wealth Management, Trust Department Manager

Patricia joined the team in 2000, having some 30 years of diversified financial experience, with 20 years concentrating in the investment area. Aside from managing the administration, operational and investment functions of the division today, Patricia serves as senior administrative officer for trust, agency, IRA and employee benefit accounts. She has worked with generations of families throughout Connecticut, meeting their trust and financial needs. She maintains extensive experience managing and administering personal investment accounts, as well as trusts for charitable foundations and not-for-profit institutions.

Keith Wirtz 101519 1 - Team
E. Keith Wirtz, CFA® Vice President & Chief Investment Officer

Keith brings more than 30 years of experience in the investment industry, with a specialty in portfolio management, fiduciary oversight and security analysis, to the USB team. Most recently, Keith was a Principal and Senior Portfolio Manager for Walrus Partners LLC, a boutique money management firm based in Minneapolis. Previously, he served as the Chief Investment Officer for Fifth Third Bank’s Wealth Division and as President of Fifth Third Asset Management Inc., overseeing more than $34 billion in AUM’s. Earlier, he served as the CIO for Bank of America’s investment subsidiary, TradeStreet Investment Associates. In that role, his group oversaw more than $100 billion in assets for institutional clients. Keith serves as a trustee for the First Western Trust Funds and is a board member and Investment Committee Chair for ASU Enterprise Partners. He has earned a BS in Finance from Arizona State University and an MS in Investment Management & Security Analysis from Creighton University. He is a CFA Charter Holder and a member of the CFA Institute.

Susan Anderson Bio - Team
Susan E. Anderson, CTFA* Vice President and Senior Portfolio Manager

Susan brings more than 30 years of experience in the investment industry, with a specialty in portfolio management, fiduciary oversight and security analysis to the USB team. She maintains extensive experience managing investment portfolios for individuals and not-for-profit institutions. She also serves as a board member for a number of not-for-profit organizations and has been awarded the Certified Trust and Financial Advisor (CTFA) designation from the Institute of Certified Bankers and is a member of the CFA Institute and the Hartford CFA Society.

John Celli Bio 1 - Team
John E. Celli Vice President & Investment Portfolio Manager

With more than 23 years of experience in the banking and financial industry, John’s specialty is portfolio management. John joined Union Savings in 2009 and is responsible for managing client portfolios. He is also intricately involved in asset allocation strategies for the customer base. He previously held the position of Financial Specialist at Wachovia Bank and Financial Advisor for Ameriprise Financial. He holds a number of securities trading licenses including Financial Industry Regulatory Authority (FINRA) Series 7 and 66. John is also a member of the Danbury Chamber of Commerce.

rosalie graczyk - Team
Rosalie Graczyk, CTFA* Senior Fiduciary Officer and Advisor

Rosalie brings over 35 years of experience in managing client relationships and fiduciary administration to the USB team. She is responsible for providing wealth management and fiduciary services to high net worth clients and works closely with them to ensure the recommended estate, trust and charitable giving strategies are in harmony with their total wealth management plan. Prior to joining USB, Rosalie worked as a Senior Trust Officer & Fiduciary Strategist for KeyBank and BNY Mellon. In addition to her many years as a Trust and Fiduciary specialist, Rosalie also counseled and supervised paralegals and associate attorneys in the trust and estate practice at various area law firms.  Rosalie maintains a degree in legal studies and a minor in business administration and has been awarded the Certified Trust Financial Advisor (CTFA) certification. She is a member of the Estate Planning Council of Lower Fairfield County, the Planned Giving Group of Connecticut, and serves as Chairperson of the Investment Committee for St. Joseph’s Church in Stratford, CT.

brandon angotti - Team
Brandon J. Angotti, CRPC® Assistant Vice President & Wealth Management Financial Planning Officer

Brandon joined the Wealth Management team in 2019 after a career in accounting in the investment management industry. Most recently he worked as a Fund Accountant for Strategic Value Partners, a global investment firm headquartered in Greenwich, CT. He brings a passion for financial planning, specifically for helping clients organize their financial lives, prepare for retirement and achieve financial independence. Brandon graduated with a BS in Accounting from the State University of New York at Geneseo. He is a Chartered Retirement Planning Counselor (CRPC®) and is pursuing the Certified Financial Planner designation.

Stephen So Bio - Team
Stephen So Assistant Vice President & Portfolio Manager

Stephen has been with Union Savings Bank Wealth Management since 2010, and is currently responsible for managing wealth in individual and institutional accounts with a focus on asset allocation and portfolio modeling. Previously, he held similar roles at First National Bank of Litchfield, rising from a Financial Services representative to Investment Analyst. Stephen holds a Bachelor of Science in Business Administration and Finance from Suffolk University in Boston.

Meeting with the USB team is the first step.

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*Individuals listed and services offered are not affiliated with Raymond James.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNERTM, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.

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Securities are not insured by any financial institution insurance, the FDIC/NCUA or any other government agency, are not deposits or obligations of the financial institution, are not guaranteed by the financial institution, and are subject to risks, including the possible loss of principal. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Union Savings Bank and the investment center are not registered broker/dealers and are independent of Raymond James Financial Services.

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