Eyes Wide Open + Mitigating Risk

Eyes Wide Open + Mitigating Risk

 

LUTZ BUSINESS INSIGHTS

 

eyes wide open + mitigating risk

lisa strutzel, family office services director

 

Do you ever feel like you want to “bury your head in the sand” to protect yourself from predators, both physical and virtual ones?  I don’t blame you. The world is fraught with personal and physical risks that threaten your safety.  The key is to be aware of the potential perils and take steps to mitigate your exposure.

IDENTITY PROTECTION

It’s not easy to protect your information in a technology driven world.  The chances are, at some point, you will engage in activities that make you a target—whether that’s using an ATM machine, online shopping, or just chatting with friends on social media. 

Since virtually all our private data is stored electronically somewhere, it’s no surprise identity fraud is on the rise and the thieves are becoming more and more sophisticated.  While it’s not practical or possible to avoid online activities, you can take steps to become less of a target.

Best Practices Include:

  1. Be protective of your ATM and credit cards. The latest ATM and Point of Sale (POS) system frauds involve installing devices on or embedding malware in the machines to gain access to accounts.  When possible, use bank ATMs as they are more likely to be monitored by a security camera and not contain hacking devices. Don’t ever share your cards or PIN numbers with anyone else.  Be sure to review your bank and credit card activity on a regular basis, if not daily.  If you notice any transactions that look suspicious, contact your bank or credit card company immediately.  
  2. Use discretion when online shopping. Not all websites are created equal. Check to make sure the website address shows the locked padlock image on the status bar or contains “https://, versus http://” before disclosing any personal or financial information.
  3. Don’t access the internet through public Wi-Fi networks, even those that are password protected like hotel websites, as they are not secure and easily compromised. Instead connect online through a virtual private network, typically provided by employers for business use, or invest in an unlimited data plan and create a personal internet “hotspot” with your mobile device.  Make sure your home Wi-Fi networks are secured with a unique password, never use the default assigned by the manufacturer.
  4. Keep in mind what you share on social media can be used by thieves for malicious purposes. Even if you use security settings, the data can still be hacked, so avoid posting personal information that could put you at risk for identity theft. 
  5. Consider using an Identity Theft Protection Service, like Identity Guard or LifeLock, to monitor your credit and financial account activity.
  6. Utilize two-factor authentication whenever possible as an extra layer of security for your online activity. Two-factor authentication commonly involves logging into your account with a password and then receiving a code via text on your phone that you enter.  To access your account, a hacker would have to steal both your password and your phone, making your data much more secure.

PERSONAL AND PHYSICAL SECURITY

Today’s propensity for information sharing on social media sites is making people visible to both their friends and fraudsters. “Personal security relates to the safety of human beings and physical security relates to the safeguarding of access to physical assets such as home and business facilities.”[i]  Implementing enough controls to protect yourself without restricting too much of your freedom is a balancing act.  It’s important to understand what your risks are and then take the necessary precautions.

Best Practices Include:

  1. Don’t broadcast your location on social media. Heading somewhere exotic for vacation?  Keep it to yourself until after you get back, unless you want to jeopardize your personal safety and put your assets at risk.
  2. Practice travel security best practices when traveling abroad. The State Department’s website has a “Traveler’s Checklist” that provides a wealth of information to help you travel safely, including travel alerts and warnings.  It can be accessed at: https://travel.state.gov/content/travel/en/international-travel/before-you-go/travelers-checklist.html
  3. Background check or, at the very least, thoroughly vet every employee, contractor or vendor that has admittance to your home. The clearance provided to these individuals gives them access to your private information and whereabouts, creating personal safety and financial risks.
  4. Make sure your insurance coverage is comprehensive and covers your home, autos, valuables and family. If you retain household staff, you need to obtain worker’s compensation and employment practices liability insurance.
  5. Install a centrally monitored home security system and make sure it’s properly maintained and tested. Today’s home alarms are high tech, allowing you to monitor your premises remotely via a computer or smartphone.  Not only will they alert you about a possible intruder, they can also be equipped to warn you about the presence of smoke and carbon monoxide.  The peace of mind these devices offer is well worth the equipment cost and nominal monthly monitoring fee.

Today’s world is a security minefield and it’s impossible to eliminate all potential threats. By keeping your eyes wide open and navigating around the perils, you can be confident in knowing you’ve taken the necessary precautions to safeguard your lifestyle.

 

[i] Family Office Exchange. (2019). FOX FORESIGHT, WHAT’S ON THE MINDS OF MEMBERS.

ABOUT THE AUTHOR

402.763.2974

lstrutzel@lutz.us

LINKEDIN

LISA STRUTZEL, CPA, CAP® + FAMILY OFFICE SERVICES DIRECTOR

Lisa Strutzel is the Family Office Services Director at Lutz with over 14 years of past experience as a family office executive. She is responsible for assisting high-net-worth clients manage their family enterprise. 

AREAS OF FOCUS
  • Family Office Services
  • Financial Reporting
  • Philanthropy and Legacy Planning
  • High-Net-Worth Families
AFFILIATIONS AND CREDENTIALS
  • Certified Public Accountant
  • Chartered Advisor in Philanthropy, CAP®
  • Purposeful Planning Institute, Member
  • Nebraska Society of CPAs, Member
EDUCATIONAL BACKGROUND
  • BBA, Iowa State University, Ames, IA
COMMUNITY SERVICE
  • The Hope Center for Kids, Board President, Past Treasurer
  • CAP Advisory Board Member

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OMAHA

13616 California Street, Suite 300

Omaha, NE 68154

P: 402.496.8800

HASTINGS

747 N Burlington Avenue, Suite 401

Hastings, NE 68901

P: 402.462.4154

LINCOLN 

115 Canopy Street, Suite 200

Lincoln, NE 68508

P: 531.500.2000

GRAND ISLAND

3320 James Road, Suite 100

Grand Island, NE 68803

P: 308.382.7850

Financial Fitness for the New Year

Financial Fitness for the New Year

 

LUTZ BUSINESS INSIGHTS

 

financial fitness for the new year

lisa strutzel, family office services DIRECTOR

 

It’s no surprise the most popular New Year’s resolution is to exercise more. After all, the holidays are a time when maintaining a fitness routine is about as easy as navigating the mall parking lot. Your body is not the only thing that may be slightly out of shape as you begin the new year. Have you assessed your financial fitness lately?  Do you need to make some adjustments to make sure you’re on course and running in the right direction?

 

STRENGTHEN YOUR FINANCIAL GOALS

Achieving financial fitness for life is attainable but requires discipline.  The key is to be “S.M.A.R.T” about the goals you set – make them Specific, Measurable, Attainable, Relevant and Timely.  Think about what you want to accomplish and then work backwards, setting small benchmarks that will help you get there.  Do you want to retire on your own terms? First calculate the amount you want to have in your nest egg and then set annual savings goals that will ensure you make it to the finish line.

 

IMPROVE YOUR GRIP ON SPENDING

Poor spending habits can be a major setback, so it’s imperative to adhere to a budget. Building a playbook for your budget begins with identifying your income and expenses. Estimating monthly income is easy enough; but understanding where all the money goes can be challenging. If you need help tracking your expenses, mobile applications that monitor spending like Mint and YNAB are designed to help you get a grip. 

Once you understand the cost of your lifestyle, you can make the adjustments necessary to ensure you’re not spending more than you make.  If your budget doesn’t balance on the first try, separate your needs from wants and eject the non-essentials.  Don’t forget to pay yourself first by factoring your savings goals into the expense equation.  Just like working on your physical fitness, your budget won’t be in shape right away; it will take a month or two to establish the healthy habits, but the end results will be lasting.

 

DEBT REDUCTION IS YOUR OFFENSE

In the words of David Ramsey, “Debt isn’t just borrowing money you don’t have from the bank.  It’s also borrowing from your future!”  Defending your income from ongoing payments by implementing debt reduction strategies can help you achieve a financial win. 

It’s important to “substitute what you owe for what you can grow”.  By making a list of what you owe, you can prioritize debt reduction by first paying off debt with high interest rates, such as credit cards, or even through seeking small victories by paying off your smallest balances owed.

 

ACHEIVE YOUR GOALS + REPEAT

Do you want to win this year with respect to your finances? Start with updating your financial goals with the end game in mind, being sure to put a hold on counterproductive spending and credit practices. Attaining better financial health takes practice and discipline, but practice makes perfect—and practicing a more strategic game plan this new year will have you perfecting your financial fitness in no time!

ABOUT THE AUTHOR

402.763.2974

lstrutzel@lutz.us

LINKEDIN

LISA STRUTZEL, CPA, CAP® + FAMILY OFFICE SERVICES DIRECTOR

Lisa Strutzel is the Family Office Services Director at Lutz with over 14 years of past experience as a family office executive. She is responsible for assisting high-net-worth clients manage their family enterprise. 

AREAS OF FOCUS
  • Family Office Services
  • Financial Reporting
  • Philanthropy and Legacy Planning
  • High-Net-Worth Families
AFFILIATIONS AND CREDENTIALS
  • Certified Public Accountant
  • Chartered Advisor in Philanthropy, CAP®
  • Purposeful Planning Institute, Member
  • Nebraska Society of CPAs, Member
EDUCATIONAL BACKGROUND
  • BBA, Iowa State University, Ames, IA
COMMUNITY SERVICE
  • The Hope Center for Kids, Board President, Past Treasurer
  • CAP Advisory Board Member

SIGN UP FOR OUR NEWSLETTERS!

We tap into the vast knowledge and experience within our organization to provide you with monthly content on topics and ideas that drive and challenge your company every day.

Toll-Free: 866.577.0780  |  Privacy Policy

All content © Lutz & Company, PC

 

OMAHA

13616 California Street, Suite 300

Omaha, NE 68154

P: 402.496.8800

HASTINGS

747 N Burlington Avenue, Suite 401

Hastings, NE 68901

P: 402.462.4154

LINCOLN 

115 Canopy Street, Suite 200

Lincoln, NE 68508

P: 531.500.2000

GRAND ISLAND

3320 James Road, Suite 100

Grand Island, NE 68803

P: 308.382.7850

Family Philanthropy + Creating a Shared Legacy

Family Philanthropy + Creating a Shared Legacy

 

LUTZ BUSINESS INSIGHTS

 

family philanthropy + creating a shared legacy

lisa strutzel, family office services director

 

There’s no denying it: you feel good when you do good. The brain stimulation that occurs from being charitable is credited for a variety of benefits, including reducing stress, feeling happier, and improving life satisfaction. Health reasons aside, creating a shared legacy through family philanthropy positively affects your family. A family that works towards a common philanthropic vision perpetuates family values, provides educational opportunities for family members, and fosters family bonds.

PERPETUATES FAMILY VALUES

How does a family collectively determine what it truly values and the resulting legacy it wants to pass on? Defining a shared legacy requires individual and group reflection. A common vision needs to be identified, as it guides the family’s giving strategy. As so aptly put by Yogi Berra, “If you don’t know where you are going, you might wind up someplace else.” 

Creating a charitable mission statement is a good way for a family to express its values and passions. A mission statement articulates the family’s purpose for giving and the impact it wants to achieve. It provides the framework for goal setting and helps ascertain where to place the giving focus. 

A good example of a clearly stated purpose for giving is the Bill & Melinda Gates Foundation mission statement:

Guided by the belief that every life has equal value, the Bill & Melinda Gates Foundation works to help all people lead healthy, productive lives. In developing countries, it focuses on improving people’s health and giving them the chance to lift themselves out of hunger and extreme poverty.

PROVIDES EDUCATIONAL OPPORTUNITIES

Philanthropy is a way for a family to move from talk to action while learning valuable life lessons. “Giving together creates spaces for collaboration and engaged focus on one giving mission and opens the door to multi-generational learning between older and younger members of the family.”[i] Philanthropy provides an exceptional opportunity for learning, regardless of how a family chooses to practice its giving. 

Compassion and empathy are taught to younger children when family members model what it means to be charitable and have conversations concerning the challenges faced by those less fortunate.

Money management skills are learned when parents require kids to use the “giving jar” approach to allocating allowance. By sharing a portion of their savings with others, children can experience first-hand what it means to make a difference. 

Teamwork, social awareness, and problem-solving is reinforced by volunteering as a family to support a common cause. Serving a meal at a local homeless shelter or assisting with a building project in a low-income community are excellent ways to fortify family values and instill gratitude. 

Leadership, governance, and financial competencies are promoted when a family foundation is the vehicle for charitable giving. A foundation is a legal structure that requires corporate governance, exposing junior board members to the intricacies of a philanthropic board. Additionally, it’s an optimal setting for introducing financial fundamentals like investing, budgeting, and grant-making.   

FOSTERS FAMILY BONDS

As a family becomes more disparate from size, location and age perspectives, family philanthropy can act as the tie that binds. Foundation meetings and service projects offer opportunities for connection. Practicing philanthropy provides the means for a family to work through generational differences in a nurturing environment to perpetuate its shared legacy.

Jay Hughes talks about the bonds created by family philanthropy in his family wealth book stating, “Most important, it tightens family bonds—the family glue—by recognizing and acknowledging the creativity and passions of each member.”[ii]

RESULTS BEYOND CALCULATION

Does your family have a shared legacy? If not, it may be beneficial to create one with philanthropy at the forefront. Working together for a charitable purpose not only makes the community better, but it does substantial good for your family as well. In the words of Miriam Beard, “The results of philanthropy are always beyond calculation.”

 

[i] Family Philanthropy Guide. (n.d.).  Retrieved from https://givingcompass.org/family-philanthropy/

[ii] Hughes, J. (2004). Family Wealth: Keeping it in the Family – How Family Members and Their Advisors Preserve Human, Intellectual, and Financial Assets for Generations. Bloomberg Press.

ABOUT THE AUTHOR

402.763.2974

lstrutzel@lutz.us

LINKEDIN

LISA STRUTZEL, CPA, CAP® + FAMILY OFFICE SERVICES DIRECTOR

Lisa Strutzel is the Family Office Services Director at Lutz with over 14 years of past experience as a family office executive. She is responsible for assisting high-net-worth clients manage their family enterprise. 

AREAS OF FOCUS
  • Family Office Services
  • Financial Reporting
  • Philanthropy and Legacy Planning
  • High-Net-Worth Families
AFFILIATIONS AND CREDENTIALS
  • Certified Public Accountant
  • Chartered Advisor in Philanthropy, CAP®
  • Purposeful Planning Institute, Member
  • Nebraska Society of CPAs, Member
EDUCATIONAL BACKGROUND
  • BBA, Iowa State University, Ames, IA
COMMUNITY SERVICE
  • The Hope Center for Kids, Board President, Past Treasurer
  • CAP Advisory Board Member

SIGN UP FOR OUR NEWSLETTERS!

We tap into the vast knowledge and experience within our organization to provide you with monthly content on topics and ideas that drive and challenge your company every day.

Toll-Free: 866.577.0780  |  Privacy Policy

All content © Lutz & Company, PC

 

OMAHA

13616 California Street, Suite 300

Omaha, NE 68154

P: 402.496.8800

HASTINGS

747 N Burlington Avenue, Suite 401

Hastings, NE 68901

P: 402.462.4154

LINCOLN 

115 Canopy Street, Suite 200

Lincoln, NE 68508

P: 531.500.2000

GRAND ISLAND

3320 James Road, Suite 100

Grand Island, NE 68803

P: 308.382.7850

Family Office Millennial Educational Series: Financial Literacy Basics

Family Office Millennial Educational Series: Financial Literacy Basics

 

LUTZ BUSINESS INSIGHTS

 

Family Office Millennial Educational Series – Financial Literacy Basics: Beginner’s Guide

Nick Hall and Josh Jenkins of Lutz Financial cover savings plans, insurance basics, and credit & debt, along with a Q&A session.

 

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SIGN UP FOR OUR NEWSLETTERS!

We tap into the vast knowledge and experience within our organization to provide you with monthly content on topics and ideas that drive and challenge your company every day.

Toll-Free: 866.577.0780  |  Privacy Policy

All content © Lutz & Company, PC

 

OMAHA

13616 California Street, Suite 300

Omaha, NE 68154

P: 402.496.8800

HASTINGS

747 N Burlington Avenue, Suite 401

Hastings, NE 68901

P: 402.462.4154

LINCOLN 

115 Canopy Street, Suite 200

Lincoln, NE 68508

P: 531.500.2000

GRAND ISLAND

3320 James Road, Suite 100

Grand Island, NE 68803

P: 308.382.7850

Family Governance + Not an Act

Family Governance + Not an Act

 

LUTZ BUSINESS INSIGHTS

 

family governance + not an act

lisa strutzel, family office services director

 

For a family enterprise to sustain its wealth, acting collaboratively is required. This need for cohesion leads to the creation of structures and processes that guide the family’s behavior as it navigates the complexities that come with growth. Developing a family governance system is an evolutionary process. It typically begins with informal family gatherings where in-depth communication occurs and ends with the formation of policies and practices that govern the family’s joint decision-making.

MISSION STATEMENT

Making unified decisions requires communication between family members. Communication is key to fostering cooperation and collaboration, essential to building relationships that bond the family together. The governance process begins with families determining commonality as it relates to values and vision and using that awareness to craft their family mission statement. The mission statement defines the guiding principles of the family. “If a family has a statement of principles that can be referred to, or its family mission, then succeeding generations have a core of basic principles to which they can adhere”, according to Dennis T. Jaffe, PH.D.[i] The mission statement provides the framework for the creation of governance structures that are aligned with shared family values.

POLICIES

Once a family defines its shared vision, it uses that awareness to develop policies that oversee family interaction. These policies, sometimes referred to as a family constitution, should be reasonable, clearly written and updated as dictated by changing family circumstances. Policies adopted by families vary, covering issues like:

  • Conflict resolution
  • Succession planning
  • Role of spouses
  • Trust distribution guidelines
  • Code of conduct for meetings
  • Education expectations
  • Philanthropic goals and objectives

The process of creating the shared guidelines can be as valuable as the documents themselves as evidenced by Barbara Hauser, a family governance expert. “Many families slowly get used to the idea of having a family constitution, and by the end of the discussions and drafting, they feel a proud sense of ownership.”[ii]

STRUCTURE

How a family decides to practice governance is dependent on multiple factors, such as the family’s size, complexity, and if they have a joint operating business. Many families establish assemblies and councils to act as their leadership bodies. The assemblies are typically all inclusive being composed of adult family members and their spouses. The family council is the elected governing body of the family. Its duty is to implement the wishes of the family, including planning the family meetings, drafting changes to policies and practices, and doing whatever else is necessary for maintenance of the governance system. More complex family structures may also have various committees and boards that oversee their businesses, philanthropy, family office or other holdings. 

Good governance practices are essential to family sustainability over generations. They are rooted in the family’s values and vision and grow into enduring policies and practices if properly preserved. Implementing a collaborative system of governance is not an act; it is a deliberate process that stands the test of time.

 

i Jaffe, D. T. (2003, April). Six Dimensions of Wealth: Leaving the Fullest Value of Your Wealth to Your Heirs. Retrieved from http://dennisjaffe.com/download/six-dimensions-of-wealth-leaving-the-fullest-value-of-your-wealth-to-your-heirs/

ii Hauser, B. (2019, March 6). What are the Best Ways for a Family to Make a Decision Together? Retrieved from http://www.campdenfb.com/article/what-are-best-ways-family-make-decisions-together

ABOUT THE AUTHOR

402.763.2974

lstrutzel@lutz.us

LINKEDIN

LISA STRUTZEL, CPA, CAP® + FAMILY OFFICE SERVICES DIRECTOR

Lisa Strutzel is the Family Office Services Director at Lutz with over 14 years of past experience as a family office executive. She is responsible for assisting high-net-worth clients manage their family enterprise. 

AREAS OF FOCUS
  • Family Office Services
  • Financial Reporting
  • Philanthropy and Legacy Planning
  • High-Net-Worth Families
AFFILIATIONS AND CREDENTIALS
  • Certified Public Accountant
  • Chartered Advisor in Philanthropy, CAP®
  • Purposeful Planning Institute, Member
  • Nebraska Society of CPAs, Member
EDUCATIONAL BACKGROUND
  • BBA, Iowa State University, Ames, IA
COMMUNITY SERVICE
  • The Hope Center for Kids, Board President, Past Treasurer
  • CAP Advisory Board Member

SIGN UP FOR OUR NEWSLETTERS!

We tap into the vast knowledge and experience within our organization to provide you with monthly content on topics and ideas that drive and challenge your company every day.

Toll-Free: 866.577.0780  |  Privacy Policy

All content © Lutz & Company, PC

 

OMAHA

13616 California Street, Suite 300

Omaha, NE 68154

P: 402.496.8800

HASTINGS

747 N Burlington Avenue, Suite 401

Hastings, NE 68901

P: 402.462.4154

LINCOLN 

115 Canopy Street, Suite 200

Lincoln, NE 68508

P: 531.500.2000

GRAND ISLAND

3320 James Road, Suite 100

Grand Island, NE 68803

P: 308.382.7850

Family Meetings + Strengthening the Bonds That Bind

Family Meetings + Strengthening the Bonds That Bind

 

LUTZ BUSINESS INSIGHTS

 

family meetings + strengthening the bonds that bind

lisa strutzel, family office services director

 

 We’ve all heard the saying, “The key to a good relationship is communication.” This is especially true for families who want to perpetuate their wealth and values over multiple generations. Research has shown that most successful families hold some form of family meeting. Family meetings accomplish multiple purposes, being used to foster communication, engagement, education, and facilitate decision-making.

 

COMMUNICATION

The breakdown of communication and trust within the family is the leading cause of the failure of families to successfully transfer their wealth beyond the third generation. Communication is a reciprocal arrangement, requiring a balance of listening and talking. A well run family meeting provides a non-threatening environment for the exchange of different perspectives. It is a forum for senior family members to reinforce values and share stories about the family’s heritage and legacy, and it allows the younger family members to talk about their dreams and receive encouragement and guidance. This healthy information exchange strengthens familial bonds and reinforces the value of the individual as an integral part of the family unit.

 

ENGAGEMENT

Family meetings should be engaging to provide motivation for people to attend. They should be treated like special events, held at desirable locations away from the family home or business that are comfortable and free of distractions. Family business consultants Craig Aronoff and John Ward recommend a balance of fun, family development and family business for the meeting format.[i] A successful family meeting should be well planned with a clear agenda, accomplishing the intended goals through both business and recreation.

 

DEVELOPMENT

Family development is an essential element of every family meeting. Family meetings are an excellent way to instruct the younger generation on the family legacy, financial basics, and philanthropy. Outside experts can be hired to educate the family on specific topics, and family members can offer instruction on their areas of expertise. Prior to each meeting, thought should be placed on identifying the family’s current educational needs and creating an educational plan that fosters multi-generational learning.

 

GOVERNANCE

Family meetings provide the medium for creating family governance, the structure and processes families use to guide their family enterprise. Good governance practices result in the creation of family policies that lay the ground rules for decision-making. Many wealthy families have a family business that binds them together or have common business interests. Family meetings are a good opportunity to disseminate information about joint ventures and to make shared decisions in a collaborative manner. Using the family meeting to facilitate decision-making in a safe environment can prevent unnecessary conflict and strengthen family cohesion.

 

Successful family meetings create memorable experiences, facilitating in-depth communication between generations. By providing a conducive environment for value sharing, education and decision-making, they assist with family growth and development over time.  Family meetings act as a bonding agent for families, strengthening and preserving a family’s legacy for generations to come.

 

[i] Aronoff, C. and Ward, J. (2011, January). Family Meetings: How to Build a Stronger Family and a Stronger Business.

ABOUT THE AUTHOR

402.763.2974

lstrutzel@lutz.us

LINKEDIN

LISA STRUTZEL, CPA, CAP® + FAMILY OFFICE SERVICES DIRECTOR

Lisa Strutzel is the Family Office Services Director at Lutz with over 14 years of past experience as a family office executive. She is responsible for assisting high-net-worth clients manage their family enterprise. 

AREAS OF FOCUS
  • Family Office Services
  • Financial Reporting
  • Philanthropy and Legacy Planning
  • High-Net-Worth Families
AFFILIATIONS AND CREDENTIALS
  • Certified Public Accountant
  • Chartered Advisor in Philanthropy, CAP®
  • Purposeful Planning Institute, Member
  • Nebraska Society of CPAs, Member
EDUCATIONAL BACKGROUND
  • BBA, Iowa State University, Ames, IA
COMMUNITY SERVICE
  • The Hope Center for Kids, Board President, Past Treasurer
  • CAP Advisory Board Member

SIGN UP FOR OUR NEWSLETTERS!

We tap into the vast knowledge and experience within our organization to provide you with monthly content on topics and ideas that drive and challenge your company every day.

Toll-Free: 866.577.0780  |  Privacy Policy

All content © Lutz & Company, PC

 

OMAHA

13616 California Street, Suite 300

Omaha, NE 68154

P: 402.496.8800

HASTINGS

747 N Burlington Avenue, Suite 401

Hastings, NE 68901

P: 402.462.4154

LINCOLN 

115 Canopy Street, Suite 200

Lincoln, NE 68508

P: 531.500.2000

GRAND ISLAND

3320 James Road, Suite 100

Grand Island, NE 68803

P: 308.382.7850