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Financial Solutions for Individuals & Families

Whether you are planning for a child’s college expenses or preparing for retirement, we believe individuals and families should have a financial strategy specific to their unique needs. At LifeTyme Financial LLC, we assist with asset management and comprehensive financial planning strategies to help you navigate the many milestones in life.

Your advisor will work with you to create a strategy through a comprehensive Financial Needs Analysis to determine the appropriate strategy to meet your short and long terms goals.

Asset Management

Professional asset management involves creating an investment portfolio that produces the appropriate diversification based on the individual client’s goals. Based on your risk tolerance and specific retirement needs, we will develop a customized strategy to help you preserve your assets and give you access to a wider variety of traditional and alternative investment vehicles on a global basis. We’ll work with you to identify your financial priorities and determine the appropriate opportunities for you.

Life and Long-Term Care Insurance

An important part of planning for your financial future is protecting it. Life insurance is a very effective option to help protect your family in the event of an untimely death or illness. Today’s plans cover many risks and have new optional riders to cover long-term care as well as critical and terminal illness.

We’ll help you prioritize your needs and determine the appropriate life and other insurance options, including long-term care coverage, for you and your family.

  • Universal Life Insurance
  • Indexed Universal Life
  • Whole Life Insurance
  • Term Life Insurance
  • Disability Insurance

Retirement/Supplemental Programs

Whether you wish to build a consistent income stream that will last through your retirement years, to managing your assets, we can help. We assist clients in all phases of retirement planning and can determine the appropriate opportunities for you, including 401(k) plans, IRA investments, mutual funds, annuities, and more. We also provide advice on Social Security claims, how to minimize or avoid unnecessary taxes, 401(k) and IRA rollover strategies, and other ways to protect you and your family from high healthcare costs and other risks.

As retirement planning is a vital part of any financial strategy, we offer a wide variety of options to prepare clients for the next chapter in their lives.

  • IRAs
  • Roths
  • 401(k)/Retirement Plan Rollovers
  • Fixed Indexed Annuities

College Funding Plans

Whether preparing to send your first, or your fifth, child to higher education, a LTFALLC advisor can help you start saving NOW through 529 College Savings Plans and other options.

Elder Care Protection

Care in the later years of life can be a monetary burden, but proper preparation can help clients protect themselves, and their loved ones, should extended care be needed. LTFGLLC can help with:

  • Long-term Care Insurance
  • Home Health Care Insurance
  • Assisted Living Care Insurance
Estate Planning Strategies

How to preserve assets and transfer an estate to family and heirs can be complicated and confusing. Regardless of the size of your estate, without a proactive plan your assets will be transferred to the state according to probate laws upon your passing. We can help you articulate your estate planning needs and coordinate the work of other professionals, including attorneys and CPAs, when needed. Whether you wish to use a trust or other method, we offer

guidance regarding today’s estate and tax laws to assure that your most important wishes for your family are carried out.

  • Charitable Strategies
  • Charitable Remainder Trusts
  • Wealth Replacement Trusts
  • Irrevocable Life Insurance Trusts
  • Estate Tax Calculation Programs
  • Wealth Transfer Strategies

Tax Planning Strategies

It’s common for individuals and families to neglect tax planning until the final months leading up to the filing deadline. By implementing tax strategies throughout the year individuals may be able to reduce the amount they pay or avoid unnecessary taxes altogether. We’ll work with you and your CPA, or will locate a CPA for you, to help identify possible solutions and implement successful strategies for overall tax reduction.