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Vaylark Financial Services

We specialize in the college funding to retirement transition.

Often, we meet new friends through the college funding process. We’ve found a niche in helping families plan for their kid’s education, and the conversation often starts there. But it’s more than that.

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Charles Wareham shares an important business transition message

Important Business Transition Message

CEO and Financial Advisor Charles Wareham shares important information regarding changes to our investment platform at Vaylark Financial. Here are details and rationale that clients need to know.

“You want to take care of the kids, but you also want to take care of you.”
Vaylark Financial Services
A navy clothbound book, a graduation tassel and reading glasses on a wooden desk by a window

We prefer to go deep, not wide.

We specialize in the college funding to retirement transition. And it truly is a transition. It starts with a realization that college may be your life’s biggest expense, but you’d also like to put the finishing touches on your retirement plans.

The piecemeal process you’ve used in the past is no longer acceptable. You’re ready for a comprehensive approach and an experienced team that understands your story. You want to take care of the kids, but you also want to take care of you.

Like other firms, we provide asset management and retirement planning. But we tend to meet our clients at the time that college funding becomes important.

From there, we’ll use more than 25 years of experience to help you make college realistically happen, and create a retirement of dignity and respect for yourselves.

We know the economic, political, and investment environment is certainly challenging. But these are also very exciting times! We believe that smart thinking and paying attention to world around us can lead to opportunities and exciting results. In the end, we’re just as invested in your success as you are.

We believe our strongest asset is the quality – and qualities – of our people. And our office philosophy is designed to maximize that strength. We’ll help you to experience a single point of contact, with a trusted advisory team, that will help you get your financial house in order once and for all.

Client Dinner 2026

Highlights

Highlights from Vaylark Financial’s Harry Potter themed annual client dinner July 31, 2026 at the Society Room in Downtown Hartford.

Highlights from Vaylark Financial’s Harry Potter themed annual client dinner July 31, 2026 at the Society Room in Downtown Hartford.

Charles opening remarks

Charles Wareham, Financial Advisor and Registered Principal at Vaylark Financial, sets the stage for the tax planning and Roth conversion conversations from our investment and planning partners.

Charles Wareham, Financial Advisor and Registered Principal at Vaylark Financial, sets the stage for the tax planning and Roth conversion conversations from our investment and planning partners.

US Energy presentation

Nick White of US Energy discusses how oil and gas leasing investments can reduce taxable income and carve out additional room for Roth conversions.

Nick White of US Energy discusses how oil and gas leasing investments can reduce taxable income and carve out additional room for Roth conversions.

Griffin Capital presentation

Ran Fuchs of Griffin Capital discusses how real estate investments can undergo an initial markdown in value which greatly reduces the tax liability due with Roth conversions.

Ran Fuchs of Griffin Capital discusses how real estate investments can undergo an initial markdown in value which greatly reduces the tax liability due with Roth conversions.
Ed Slott’s Elite IRA Advisor Group

Continuing education in IRA planning

Charles Wareham is a member of Ed Slott’s Elite IRA Advisor Group℠. Learn about the ongoing education and retirement distribution resources behind his membership.

About the program

As full-service financial advisors we can assist you with:

Comprehensive Financial Planning

Soup to nuts consulting and planning services to build and deliver the tools you need to make effective life decisions and monitor outcomes over time.

A la Carte Financial Planning

Shorter conversations and tighter tools to provide a snapshot of a particular issue or topic.

Separately Managed Accounts

Access to best in class professional portfolio management through our institutional investment partners.

Cash flow planning

For college planning, retirement, or business management.

College planning

Developing reality based strategies for funding college costs across the spectrum of many children over multiple years of education.

Retirement planning

Developing, implementing and monitoring retirement strategies using state of the art software tools and decades of experience.

Investment management

Utilize our unique investment philosophy, coupled with state of the art research, to select and oversee exciting investment opportunities.

Estate and Tax Planning Services

Quarterbacking your case with our estate planning and tax partners in an effort to keep more of what you have.

We’re happy to serve.

It truly feels different to work with us.

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Upcoming Events

“I promise you, our seminars are like nothing you’ve experienced before.”

View all events

Changing World of Retirement Planning

Tuesday adult education class

October 6 and October 13, 2026 · 6:30 – 8:30 PM

UCONN, Avery Point

Changing World of Retirement Planning

Thursday adult education class

October 8 and October 15, 2026 · 6:30 – 8:30 PM

UCONN, Avery Point

Italian Cooking Class

October 24, 2026

More Italian Pasta Lab, Glastonbury, CT

Italian Cooking Class

November 14, 2026

More Italian Pasta Lab, Glastonbury, CT

A Christmas Carol at Hartford Stage

Friday, December 11, 2026

Hartford Stage, with a pre-show reception

For clients only; no guests for this event, please.

Cigar and Bourbon Tasting

Friday, January 29, 2027

Up In Smoke, Cromwell, CT

A tasting of locally distilled bourbons, locally rolled cigars, and Italian foods. Participants go home with three cigars, a custom jet lighter, and a cutter.

How to Pay for College

February 11, 2027

East Lyme High School

Yard Goats Baseball

June 4, 2027

Sam Adams Party Deck

Yard Goats Baseball

September 10, 2027

Sam Adams Party Deck

More than 40 years experience in the financial industry.

Our client relationships are long term, often spanning decades. We love what we do, and we love the people we work with. We want to understand what’s truly important to you, because after all money is only a tool. It’s life, love, health, and family that truly matters.

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