Financial Planning Services

Personal Planning Services

Retirement Planning

Planning for retirement is one of the most important financial steps you'll take in your life.  We help you build a personalized retirement strategy that aligns with your goals, lifestyle, and long-term vision. Our retirement planning services are designed to provide you with clarity and confidence, working to ensure that you can enjoy your retirement years comfortably.

We’ll work with you to:

  • Assess your current financial situation and retirement needs
  • Develop a sustainable savings and withdrawal plan
  • Maximize your retirement income through strategies like 401(k) optimization, IRAs, and other tax-advantaged accounts
  • Manage risks such as inflation, healthcare costs, and market volatility
  • Create an income strategy that helps ensure financial security throughout your retirement

Whether you're just starting to plan or are nearing retirement, we provide professional guidance every step of the way to help you achieve financial independence.

Investment Management

Every investment plan starts with you and the goals that are most important to you.  We offer personalized investment planning to help you build and protect wealth.  

After discussing your personal, professional, and financial goals, risk tolerance, and timeline, we build an investment strategy that is tailored to your specific situation.

Key services include:

  • Custom portfolio creation based on your needs and risk preferences
  • Diversified investment strategies designed to maximize returns and manage risk
  • Ongoing portfolio monitoring and adjustments
  • Tax-efficient investing for optimal growth, including Tax-loss Harvesting

Additional Investment Services:

  • Navigating the complexities of concentrated stock positions
  • Equity compensation planning (RSU's, ISO's, NSO's, ESPP, etc)
  • Advising on 1031 exchanges
  • 401(k) investment management

With professional guidance, we help you navigate the complexities of investing and achieve long-term financial success while aiming to keep it simple for you.

Education Planning

Our education planning services are designed to help you save for your child’s future while navigating the rising costs of education. Whether you're planning for college, private schooling, or other educational needs, we provide strategies to help you reach your savings goals.

Our services include:

  • Customized savings plans for your education goal
  • Tax-efficient strategies to maximize your savings
  • Assistance in establishing the appropriate investment account (such as a 529 plan)
  • Ongoing plan adjustments as your child’s needs evolve

We’ll help you build a solid foundation for your child’s education, ensuring you and they have the resources needed to succeed.

Risk Managment Planning

Risk management planning services are designed to safeguard your financial future by identifying potential risks and creating strategies to minimize them. We help you protect your assets, income, and overall financial well-being through comprehensive insurance planning, asset protection strategies, and risk mitigation techniques.

Our services include:

  • Assessment of your financial risks and vulnerabilities
  • Customized insurance solutions, including life, disability, and long-term care coverage
  • Asset protection strategies to safeguard your wealth
  • Risk management for business owners
  • Estate Planning guidance 

By proactively managing risk, we help you secure your financial future and protect against unexpected life events, ensuring confidence for you and your family.

Cash Flow Planning

Cash flow planning helps you take control of your income and expenses, ensuring your money works effectively for you. We create tailored strategies to optimize your cash flow, allowing you to meet short-term needs while planning for long-term financial goals.

Our services include:

  • Analysis of income, expenses, and savings habits
  • Strategies to reduce debt and manage expenses efficiently
  • Personalized budgeting to ensure consistent cash flow
  • Plans to allocate surplus income toward investments and future goals

With our guidance, you’ll gain a clear understanding of your finances, improve financial flexibility, and the ability to work to achieve lasting financial stability.

Business Planning Services

Our business planning services are designed to help entrepreneurs and business owners manage their finances effectively and position their businesses for long-term success. 

Our services include:

  • Cash Flow Planning
  • Business Valuation and Ownership Transfer Planning
  • Incentive Planning for Key Employees
  • Risk management and insurance planning to protect your business assets

Whether you're starting a new venture or managing an established business, we provide the financial experience and guidance you need to ensure your business thrives.

Take Control of Your Financial Future

Work with Chris and the Lifetime Financial Growth team for personalized financial planning services that empower you to make informed decisions.