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Caroline Demirs Calio is a Principal in Cummings & Lockwood's Private Clients Group and is based in the West Hartford office. She practices in the areas of estate and gift tax planning, asset protection, estate settlement and trust administration. In addition, Caroline advises closely-held business owners on succession planning issues and various general corporate matters. She also has experience serving as an Executor and Trustee.

Prior to joining Cummings & Lockwood, Caroline worked in the corporate department of Kronish Lieb Weiner & Hellman LLP (now Cooley LLC) in New York City.


  • Blue Back Square, Suite 400
    75 Isham Road
    West Hartford, CT 06107


  • Boston University School of Law , J.D., graduated 2000
  • University of Richmond, B.A. in History and Political Science, graduated 1997

Bar Admissions

  • New York, 2001
  • Connecticut, 2000


  • Connecticut Bar Association - Member
  • Hartford Estate and Business Planning Council - Board of Directors and Chair, Programs Committee
  • The Bridge Family Center - Former Director, Board of Directors; Chair, Planned Giving Committee; Development Committee
  • Westover School, Middlebury, Connecticut - Board of Trustees

Recognized in The Best Lawyers in America® 2023 for work in:

  • Trusts and Estates


  • Connecticut and New England Super Lawyers, Rising Star, 2010 - 2012


  • Modification of a GST Trusts Didn't Impact Its Exclusion Station", Trusts & Estate Magazine Website, September, co-author with Andrew M. Nerney
  • Revocable Trusts: Connecticut, Practical Law Guide, co-author, Thomson Reuters
  • "Help Clients Avoid 10 Common Estate Planning Mistakes", Journal of Financial Planning, March 2017

Practice Areas

  • Private Clients Group
  • Wills, Trusts and Estate Planning
  • Probate and Estate Administration
  • Fiduciary and Trustee Services
  • International Estate and Tax Planning
  • Business Succession Planning
  • Estate Planning for Hedge Fund and Private Equity Principals
  • Estate Planning for Corporate Executives
  • Family Office and Closely Held Business Group

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