Financial Planning

Many of our clients are looking for a specific answer to a financial issue that has become stressful to them, or guidance on the need to make a critical decision.

<b>What is a financial plan and why do I need one?</b>

What is a financial plan and why do I need one?

Building your financial plan is creating a Financial GPS that gives you a roadmap to where you want to go.  A map that will help you live your life to its fullest with lower financial stress. It starts with a conversation about where you are, where you want to be and how to get there.  A good holistic financial plan's process allows you to enjoy your retirement by letting you focus on the good things in your life: spending time with family and friends; doing things you love; and worrying less about money, stock market volatility, and running out of money.  A good holistic plan can gives you financial confidence.  It's never too early or too late to start. A holistic financial planner is a professional who addresses all aspects of your financial life (taxes, legacy planning, Social Security, investments, insurances, goals and needs) vs. a traditional broker/advisor that just sells you a product or portfolio to make a commission.  At Lifetime Advisors Group, it is our job to educate you about comprehensive and sound strategies that will help mitigate your risks so you will be less likely to make a bad decision in volatile or crisis times.  Allowing you the financial confidence that you may not run out of money. 

A good financial plan consists of six steps:
  1. Education about the "money cycle"
  2. Education about the holistic planning strategies
  3. Completing a discovery questionnaire that includes a deep dive into assets, debts and tax liabilities (including defusing potential tax time bombs)
  4. Completing an income gap analysis - determining if there will be a retirement income deficit or excess and if so how much
  5. Completing a volatility tolerance assessment to determine where and how you should be invested
  6. Designing, implementing and monitoring your plan
Worry Less, Plan More!  Let us help you get started today.

Do you have a question about your finances that's bothering you? Tell us and we'll help. 

Thank you!
Guidance for Life's Dreams. <br/>A Holistic Plan.

Guidance for Life's Dreams.
A Holistic Plan.

  • Have confidence knowing your financial life is in order 
  • Identify your financial blind spots and work toward the best solutions
  • Know which “bucket” of money to use first during retirement
  • Protect you and your family with the right insurance strategies
  • Maintain your lifestyle all through retirement
  • Be comfortable that you are ok financially in good times and rough patches
  • Understand taxes, investments, estate planning strategies and insurances and how they all work together in a coordinated plan
  • Guidance through major, and sometimes not so major, life transitions such as retirement, loss of a spouse/life partner, buying or selling a home or business, how to pay for college
  • Simplify the complexity of your finances through integrated planning with help from us…your advisor, advocate, coach and fiduciary

In today’s economic and ever-changing environment, it’s more important than ever to formulate a coordinated, balanced approach to putting together your personalized financial plan. A solid holistic financial plan needs to incorporate proactive tax planning strategies, integrative insurance and risk management strategies, a personalized approach to investments, cash flow, debt management into your financial roadmap. We will help guide you to keep you well-informed evaluating, diagnose, construct and ultimately implement strategies that are as personal and unique as you are. 

We pride our practice on the ability to provide advice and answers to your questions, to think outside the box, listen to you, and always do the right thing. When you’re ready we are here to help you develop a comprehensive plan for your family’s security and protection. We have helped thousands of families, individuals and businesses over the past 35+ years.  Let us help you innovate, inspire and plan your financial road map so you can live your best life now and all through your retirement.  

Social Security and Medicare Planning

Social Security and Medicare Planning

Social Security is more important to a balanced retirement plan than most people realize. You owe it to yourself to learn the strategies that could potentially add to your Social Security benefits.

Social Security Planning
Tax Planning Strategies

Tax Planning Strategies

While we help you achieve your financial goals, it is imperative to evaluate your unique tax situation. We will perform a comprehensive tax review to highlight potential opportunities for optimal positioning while incorporating tax law changes and projections into your planning and investment strategies. 

Tax Planning Strategies
Bucket Planning

Bucket Planning

Let’s divide your money into 3 buckets and decide which bucket of money to use now, which bucket you’ll need soon and the rest we’ll put in a bucket to use later on for long-term growth. 

Bucket Planning