Joseph A. Cipparone

Top rated Estate Planning & Probate attorney in New London, Connecticut

Cipparone & Zaccaro, P.C.
Joseph A. Cipparone
Cipparone & Zaccaro, P.C.

Practice Areas: Estate Planning & Probate, Elder Law, Business & Corporate

Licensed in Connecticut since: 1983

Education: The University of Michigan Law School

Selected to Super Lawyers: 2013 - 2023

Cipparone & Zaccaro, P.C.

261 Williams Street
New London, CT 06320-1390 Phone: 860-442-0150 Email: Joseph A. Cipparone Visit website


Joe grew up in East Lansing, Michigan. Joe’s father was a doctor working for St. Lawrence Hospital in Lansing. His mother raised 5 children and was a registered nurse.  When Joe was 17, his father died.

 “When my father died, I was a senior in high school and planned to attend the University of Michigan,” Joe recalls. “We were left without our confidante, major breadwinner, and mentor. My father thought that his $300,000 in life insurance and a debt-free house was enough to keep the family afloat if he passed. Yet, none of his 5 children had completed college and all of us wanted to attend. My mother’s lifestyle disappeared after my father died.  We struggled mightily to cope with his passing and it forever changed our lives.”

 It is this early experience that ignited Joe’s passion to work in the Trust & Estate and Elder Law field. “If I can make this transition after death a little better for survivors, it gives me a great sense of personal accomplishment.”

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Joe graduated from the University of Michigan with high distinction, and received his master’s degree in public policy studies and a law degree there, as well. The University of Michigan Law School is one of the finest law schools in the country. Joe met his wife, Ellen, while attending the Law School. They came to Connecticut in 1983.

A leader in elder law

In his 34 years in practice, Joe has become a leader in the trust and estate and elder law field. He serves on the Executive Committees of the Estates & Probate Section and the Elder Law Section of Connecticut Bar Association (CBA). He has served as chair of the continuing legal education committee of CT-NAELA and the CBA Elder Law Section. Joe has led many seminars for CT-NAELA and the Elder Law Section on topics as diverse as evidence in conservatorship proceedings, special needs planning in the family law setting, veterans’ benefits, and home health care strategies. 

Articles and books Joe has written

Joe has written numerous articles for such publications as the CT-NAELA Practice Update, the Estates & Probate Newsletter of the CBA Estates & Probate Section, the Connecticut Law Tribune, Practical Tax Strategies, and the Connecticut Lawyer and Connecticut Bar Journal of the Connecticut Bar Association.

Joe wrote the book, Annuities in Connecticut Estate Planning, published by the Connecticut Bar Association in 2011.  The result of nearly three years of research, Annuities in Connecticut Estate Planning, represents the first endeavor to bring together estate planning and elder law concerning this popular investment, all in the context of Connecticut and federal law. The book has led to several speaking engagements before Connecticut lawyers.

Boards and councils

Joe served on the Board of Directors of the Tree of Life Educational Fund, the Old Lyme Phoebe Griffin Noyes Library, the Southeast Senior Network, and the Estate & Tax Planning Council of Eastern Connecticut.  He has also served as counsel and past Board member of the Community Foundation of Eastern Connecticut.

Certified Financial Planner, too

Besides being a lawyer, Joe is also a Certified Financial Planner®. He passed the rigorous CFP® examination in 2000 and continues to attend financial planning seminars to keep his knowledge current. “I love math, writing and problem solving with my clients.  Whether a client owns a business, has a considerable investment portfolio from years as an executive, or is struggling with long-term care and qualifying for Title 19, I guide them through the financial transitions in their life.”

First Admitted: 1983, Connecticut

Professional Webpage:

Firm News (Newsletters):
Bar/Professional Activity:
  • Executive Committee , Connecticut Bar Association, Elder Law Section; Executive Committee & Treasurer, Connecticut Bar Association, Estates & Probate Section  
Educational Background:
  • University of Michigan Law School, 1983
Special Licenses/Certifications:
  • Certified Financial Planner.  Manage trust investments as Trustee., 2000
Scholarly Lectures/Writings:
  • Joseph A. Cipparone, an attorney and Certified Financial Planner practicing in New London, Connecticut, discovered the need for a single publication dealing with estate planning and elder law consequences of annuities while researching the issues for clients. Despite the inexorable link between estate planning and elder law, he found no single source for this information. Instead, it was mostly scattered among various texts and reference materials, requiring considerable time and effort to assemble and then interpret the information.  The result of nearly three years of research, “Annuities in Connecticut Estate Planning” is a text that represents the first endeavor to bring together estate planning and elder law, all in the context of Connecticut and federal law. The Appendix contains the primary reference materials to check the sources of tax and Medicaid consequences of annuities., Annuities in Connecticut Estate Planning, LawFirst Publishing, 2011
  • This article summarizes the legal remedies for financial exploitation in Connecticut, Author, Causes of Action for FInancial Exploitation of Seniors, Connecticut Lawyer, Legal, 2016
  • Connecticut treats IRAs, 401(k)s, 403(b)s and other defined contribution retirement plans differently than defined-benefit pension plans under its Medicaid program. This article explores Connecticut’s treatment of retirement plans in Medicaid, compares Connecticut’s treatment of those plans with the treatment of such plans by other states, and proposes legislation to address this inequality.,, CTNAELA Practice Update, 2011
  • Joe is a member of the ACTEC Elder Law Committee.  He attends 2 national meetings each year and the New England Regional meeting, ACTEC Fellow, American College of Trust & Estate Counsel, 2014
  • Connecticut State Chapter Outstanding Member, National Academy of Elder Law Attorneys, 2011
  • In May of 2011, Joe received the Connecticut State Chapter Outstanding Member Award for his work as the Connecticut State Chapter President., Outstanding Member Connecticut State Chapter, National Academy of Elder Law Attorneys, 2011
Pro bono/Community Service:
  • Old Lyme PGN Library Board of Trustees  , 2015
Industry Groups:
  • Financial Planning
  • Trusts

Office location for Joseph A. Cipparone

261 Williams Street
New London, CT 06320-1390


11 Years Super Lawyers
  • Super Lawyers: 2013 - 2023

Certificates and credentials

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