Lifetime Financial Planners provides clear and actionable financial plans tailored to your specific needs and goals while leading with an empathetic , client-first approach to help optimize your financial life.

Behavioral Coaching to Navigate Emotional Life Events

  • Death of Spouse
  • Divorce
  • Job Loss, Job Change, Corporate Reorganizations
  • Life altering personal injury or medical illness
  • Caring for elderly family members
  • Blended Family Dynamics & Legacy Considerations
  • Annual Exclusion Gifts to family members
  • Inheritances
  • Marriage
  • Birth/Adoption of Child

Financial & Retirement Planning

  • Financial Projections
  • Evaluate Probability of Financial Plan Success
  • Evaluate and Analyze “What If” Scenarios
  • Social Security Claiming Strategy
  • Defined Benefit Plans, Military Pensions, & Annuities including Survivor Benefits
  • Required Minimum Distributions (RMDs) from Traditional IRAs, and Inherited Traditional & Roth IRAs
  • Spending Strategies & Withdrawal Order
  • Retirement “Paycheck” & Cash Flow Projections
  • College Planning / Student Loan Considerations

Investment Management

  • Identify Risk Tolerance to construct appropriate investment portfolios
  • Design and create customized Investment Policy Statement (IPS)
  • Implement cost-effective, tax efficient, broadly diversified investments
  • Monitor external investment accounts including Employer Retirement Plans
  • Analyze real estate holdings including Rental Properties, Vacation Rentals, Farmland/Ranchland, and include within overall asset allocation strategy
  • Rebalancing periodically
  • Asset Allocation
  • Asset Location

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Income Tax Planning

  • Annual Tax Return Review & Year-End Tax Planning
  • Multi-Year Tax Projection Scenarios
  • Executive Compensation Plans
  • Donor Advised Funds (DAFs)
  • Qualified Charitable Distributions (QCDs)
  • Tax Loss/Capital Gain “Harvesting”
  • Medicare Income-Related Monthly Adjustment Amount (IRMAA) Surcharge
  • Roth Conversions
Comprehensive Wealth Planning | Lifetime Financial Planners

Insurance & Risk Management Planning

  • Life Insurance Needs Analysis
  • Disability Insurance Needs Analysis
  • Long Term Care Insurance Needs Analysis
  • Health Insurance Review & Coordination
  • Health Savings Accounts (HSAs)
  • Homeowner’s Insurance Review
  • Auto Insurance Review
  • Liability Coverage Limit Review
  • Liquidity Considerations

Estate Planning

  • Review existing Estate Plan including Wills & Trusts
  • Review Account Titling & Beneficiary Designations
  • Guardians for Minor Children
  • Durable Power of Attorney (DPOA)
  • Medical Power of Attorney (MPOA)
  • Directive to Physicians / Healthcare Directive
  • Incapacity Planning Considerations
  • Tax Efficient Charitable Giving Strategies

Lifetime Financial Planners adheres to the Vanguard Advisor Alpha Strategy of Value-Added best practices, and delivers trusted advice and creative financial solutions based on your season of life.

Comprehensive Wealth Planning | Lifetime Financial Planners

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