Active Financial Planning

Active Financial Planning means exactly that...ongoing attention to you, your wealth, your income, and your legacy. Family, health, economic, risk tolerance, and market circumstances can change. We will be there with regular and timely reviews to make sure the particulars of your plan are on track to achieve your long term objectives.

Strategic Wealth & Superior Income Planning

Your Lifetime Income Store Retirement Income Specialist will spend time with you listening to learn the details of where you are, where you want to be, and how we can help you get there.

We will create a comprehensive inventory of all your current assets, expenses, lifestyle, timelines, Social Security, legacy objectives, and desired income throughout retirement. Our advanced modeling capability allows us to design a financial roadmap specific to your circumstances in which we can project future inflation, taxes, and other potential eventualities that could impact your income and assets. We will analyze your circumstances with an eye on a design to maximize tax efficiency, and proper asset distribution sequence, and achieving the targeted lifetime income with the highest possible degree of certainty.

Investment Management

Your Retirement Income Specialist will build your plan with around your current investments, or the investment strategy recommended by your Lifetime Income Store Advisors representative, to achieve your objectives for wealth, income, risk tolerance, and legacy. As the saying goes, a bundle of mutual and bond funds doesn't a retirement plan make! You may need to consider different strategies that could provide improved long term capital accumulation, tax efficiencies, or secure income, at this point of the process. We have wealth management capability that includes customized equity strategies with industry leading upside capture that have outperformed down markets consistently for decades. We also provide advanced annuity strategies and tools that protect money from market risk. Those strategies may include plans that provide for market-like capital accumulation without annual fees or risk of market loss, and those that guarantee an income for life. These options provide a degree of safety that stock investing simply can't deliver, and help make sure you have control over your income and legacy. 

I love my safe accumulation plan from Lifetime Income never loses money, and I pay no annual fee. It does exactly what they told me it would do, and puts me in control of my income and legacy." Dr. R.S., Houston, Texas

Long Term Care Insurance

Your Lifetime Income Store Retirement Income Specialist will review any exisiting plans for long term care, or provide recommendations for your consideration to insure any potential health challenges are covered for you, and your spouse, to protect your income and assets. 

Trust & Estate Planning

Once the process is underway, we will introduce you to one of our Trust Attorneys to discuss the importance of a proper trust, the process and costs involved, and the timetable for implementation. The proper trust delivers valuable living benefits, regardless of how much money you have in your portfolio.

Plan Identification and Implementation

Once the above steps have been completed, your Retirement Income Specialist and LISA Portfolio Counselor will present a fully comprehensive recommendation designed to meet or exceed your objectives. You will be fully educated on all aspects of the suggested strategies and investment plans, so you can make an informed decision on what's best for you, and your family. The plan we design, and you sign off on, will become your roadmap to, and through, retirement. We will be at your side to review your plan annually, or as often as market and other circumstances dictate.

Active Financial Planning is included in your annual fee (our typical fee for asset management is 1% annually) for as long as you remain a Client. Fees for legal services and documents will vary, and will be discussed in your consult with the Estate Attorney.


Video: Retirement Analyzer - An important planning  process tool.