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Our Team

Charles L. Failla, CFP®


Chuck directly oversees all the financial planning and investment management work done at Sovereign Financial.
As a Board CERTIFIED FINANCIAL PLANNERTM practitioner, Chuck understands that sheparding a client’s financial and retirement plan requires more than simply “picking investments”. Instead, he applies his experience as a CERTIFIED FINANCIAL PLANNERTM practitioner to coordinate all aspects of a client’s financial picture: goals, investments, taxes, liabilities, and, estate / legacy planning. By following this disciplined approach he is able to ensure all aspects of a client's financial and estate planning needs are properly coordinated and continuously monitored.
In addition to working with clients, Chuck is a regular commentator on financial topics for The New York Daily News, Reuters and CBS Market Watch. He has been quoted in numerous other publications such as Forbes, USA Today, Elle Magazine and others. He also speaks regularly to groups throughout the New York City and Fairfield County areas on a wide array of financial planning topics.
As an active member of the community, Chuck volunteers his time and expertise by sitting on a number of non-profit Boards in both New York and Connecticut. He is also a participating member of the National Financial Planning Association and American Mensa.Chuck received his degree in Finance from The University of Connecticut and completed his coursework for the CFP® certification with The American College.
Chuck resides in North Stamford with his wife, two children and one, very energetic, black Lab. He enjoys all things outdoors -- on the weekends you will find him with his family hiking the Mianus River, camping at the Ward Pound Ridge Preserve, skiing Thunder Ridge and Bromley or boating in the Long Island Sound.

John K. Kochersperger, CRPC®
Director of Client Services
Financial Planner
John works with clients on account management and servicing. Prior to joining Sovereign Financial, John worked 12 years at Merrill Lynch as a Financial Advisor. John’s experience in account management is critical to Sovereign’s mission of delivering the highest level of client service and communication. In addition to his work with clients, John is an active member of The Easton Exchange Club in Fairfield County, Connecticut. John received an undergraduate degree from Central Connecticut State University and his MBA from Sacred Heart University.

John resides in Fairfield with his wife and three children. He divides his free time between skiing and golf.


David E. Carroll, RP®

Senior Client Service Associate


David is responsible for all aspects of office logistics and client scheduling. He has a BS in economics from the University of New Hampshire as well as an MBA with a concentration in finance from Fairfield University. He is a Registered Paraplaner dedicated to working with advisors to create holistic financial plans for their clients. David lives in Norwalk and enjoys snowboarding and playing golf.


Carmen Failla
Fixed Income Specialist, SFGI
Prior to joining Sovereign in 2006, Carmen was a Director at TIAA-CREF where she was the portfolio manager for one of TIAA-CREF’s fixed-income mutual funds. Previously, she managed privately-placed debt investments as part of TIAA-CREF’s $400+ billion assets under management. In addition, Carmen worked at the boutique investment bank, Houlihan Lokey Howard & Zukin, in the Financial Restructuring Group.
Carmen received her BS from Cornell University with Distinction in 1992 and an MBA from Columbia University in 1996.
Carmen volunteers her time and expertise on the board of the Chinese Language School of Connecticut. She and her husband live in North Stamford with their two children. In her spare time, she enjoys tennis, family hikes, and boating on the Long Island Sound.






©2019 Sovereign Financial Group, Inc. All rights reserved.

Sovereign Financial Group, Inc is independent.

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.

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.