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Meet Our Wealth Management Team

Whether you prefer to entrust the care of your assets to a Union Savings Bank Wealth Management professional or want to be an active participant in planning your future, rest assured that we have the knowledge, expertise, and experience to help you achieve financial confidence and preserve financial success. Our team is comprised of individuals who are available to meet with you at our offices conveniently located in Litchfield and Danbury, or at your home, business office or organizational meeting.

Frederick F. Judd, III, CFP   Frederick F. Judd, III, CFP®
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Executive Vice President, Union Savings Bank Wealth Management
Manager of the Wealth Management team since 2006, Rick focuses on the expansion of products and services including financial planning, investment management, trust administration, estate settlement and private banking. Rick had spent seven prior years as Senior Vice President and Regional Manager with Webster Financial Advisors in Waterbury. He is a CERTIFIED FINANCIAL PLANNER™ professional and holds a variety of securities licenses including Series 6, 7, and 63.

 
Patricia A. Carlson   Patricia A. Carlson*
Senior Vice President and Trust Department Manager
Patricia joined the team in 2000, having some 25 years of diversified financial experience, with 15 years concentrating in the investment area. Aside from managing the administration and operational functions of the Division, Patricia serves as senior administrative officer for both trust and institutional accounts. Earlier in her career, Patricia spent five years at Northeast Utilities in the corporate finance area where she was responsible for the management of NU’s pension and decommissioning portfolios. Patricia was also involved in the issuance of short and long term financing for the Company.

 
Peter S. Cowenhoven  

Peter S. Cowenhoven*
Vice President and Chief Investment Officer
Peter brings 18 years of experience in institutional and high-net-worth investment management.  He is the former Principal and Director of Investments for Montis Financial LLC in Waltham, Mass. Peter has strong quantitative and qualitative analytical skills with direct experience in portfolio management, securities analysis, asset allocation, and traditional and alternative manager research. Prior to joining Montis, Peter was an equity analyst at Wright Investors’ Services and a research assistant at Value Line Publishing. Peter holds an undergraduate degree from Stetson University and a master’s degree from Boston University.  In addition, he holds the Series 65 license and is a member of the CFA Institute.

 

Susan E. Anderson, CTFA   Susan E. Anderson, CTFA*
Vice President and Senior Portfolio Manager
With more than 25 years of experience in the investment industry, Susan’s specialty is portfolio management, fiduciary oversight and security analysis. Most recently she served as Vice President, Portfolio Manager at U.S. Trust Company in West Hartford. Prior to joining U.S. Trust Company in 1999, Susan was a Director and Officer at Phoenix Duff & Phelps, and before that Assistant Vice President, Shawmut Investment Advisors (successor to Connecticut National Bank), both in Hartford. Susan 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.

 
Michael A. Sclafani   Michael A. Sclafani 
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Vice President & Business Development Officer
With over 20 years of experience in the investment business, Michael brings extensive knowledge to the Wealth Management team. His experience includes working with non-profits, institutions, business owners as well as individuals and as a Vice President managing brokerage offices for Fidelity Investments. He also worked for State Street Global Advisors as a principal in their private asset management group and holds both a Series 7 and 63 securities license. Michael is involved in numerous local activities including the steering committee for the YWCA of the Hartford Region and the Hartford Probate Forum.

 
John E. Celli   John E. Celli 
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Vice President and Investment Portfolio Manager
John joined Union Savings Bank in 2009 and is responsible for managing client investments, maintaining current knowledge of investments, market conditions and economic forecasts. John previously held the position of Financial Specialist at Wachovia Bank and Financial Advisor for Ameriprise Financial. He holds  securities trading licenses including Series 7 and 66 and is actively involved in the Danbury Chamber of Commerce.

 
David Zavarelli, CFP   David Zavarelli, CFP® 
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Senior Vice President 
Financial Advisor, RJFS

A CERTIFIED FINANCIAL PLANNER™ professional focused in retirement planning, college planning and general investing, Dave joined Union Savings Bank in 2008 and is the branch manager of the Raymond James Program. His responsibilities include helping clients define their financial goals, creating strategies to obtain those goals, managing client risk and insuring families are provided with life, disability and long-term care insurance. Dave also works with business clients to help identify the best retirement plan for them and their employees.  Prior to joining Union Savings Bank, Dave was a financial advisor for Edward Jones and Company. Dave is involved in a number of local community activities including the Make-A-Wish Foundation and the Brookfield Chamber of Commerce.
 

Matthew R. Sweet, CTFA   Matthew R. Sweet, CTFA 
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Financial Advisor, RJFS
Matt is responsible for developing customized investment and financial strategies for both personal and business needs. He has over fifteen years of experience in the financial services industry, and prior to Raymond James at Union Savings, he served as a Trust and Estate Consultant at The MassMutual Trust Company, FSB. In addition, Matt previously held the position of Trust Officer for both Webster Trust Company and Phoenix Charter Oak Trust Company. He currently holds the Series 7, 63, and 65 registrations, and has been awarded the Certified Trust and Financial Advisor (CTFA) designation from the Institute of Certified Bankers.


*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 PLANNER™, 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.

Securities and investment products and services are not insured by the FDIC or any other government agency of the United States and are not deposits or obligations of, nor guaranteed or insured by, any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. Union Savings Bank is independent of Raymond James.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Raymond James financial advisors may only transact business in states where they are registered. Follow-up and individualized responses
involving either the effecting of or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where the financial advisor is not registered.