OUR BRAND PROMISE: MIND WHAT MATTERS
BUSINESS MATTERS, FAMILY MATTERS, THE UNEXPECTED MATTERS. TRUST LUTZ FINANCIAL TO MIND WHAT MATTERS.
Founded as an SEC Registered Investment Advisor in 2001, Lutz Financial continues to demonstrate what happens when a group of forward-thinking financial professionals focus on the needs of their clients. As an affiliate of leading Midwest accounting and consulting firm Lutz, Lutz Financial provides a smart alternative to traditional brokers and the type of Wall Street practices that are designed to be of benefit to the broker, not the client. We’re not out to sell you anything – instead, we’re out to help you grow your wealth.
We are planning-centric. We focus on preserving capital, growing assets and navigating away from the myriad pitfalls present in a typical investment landscape. We offer investment and financial planning guidance to a premier clientele including individuals, endowments, foundations, retirement plans, and business owners. Each client has unique needs, and we are poised to guide all of them to success.
Lutz Financial will always focus on you. Your story is unique and we honor your goals and dreams by offering the solid financial guidance you need to succeed.
At Lutz Financial, we acknowledge in writing that we are a Fiduciary on each client account. What does that mean?
Being a Fiduciary means that we will always act in your best interests, and this is something we take very seriously. Should any conflicts of interest arise, we disclose them to you immediately. You are never in the dark as to our intentions and we will always answer your questions thoroughly. Though this is not necessarily standard practice for most brokers and advisors, for Lutz Financial it’s business as usual.
Lutz Financial is a Registered Investment Advisor (RIA), which means we’re independent of any brokerage, bank or fund complex. This independence allows us complete transparency and further, allows us to concentrate on what’s best for each individual client instead of grasping to meet a quota or sell a product.
YOUR LONG-TERM PLAN
MINDING TODAY, TOMORROW, AND 20 YEARS DOWN THE ROAD
An in-depth analysis of your financial picture is just one of the steps we take to craft the very best financial plan for you. Not only do we want to talk about where your money is now, but we also want to talk about where you want it to be in the future.
Our advisors, many of whom carry Certified Financial Planner™ designations, are well-versed in asking the right questions to get the information necessary to create a comprehensive plan leading to your financial goals.
- Do you feel good about the amount of money you’ve saved for retirement so far?
- Are your current investments on track to provide you with the lifestyle you desire?
- Do you have a solid estate plan and contingencies in place so your family is well cared for in the event of an emergency?
- Do you feel as though you are paying too much in taxes?
- If you are a business owner, do you have adequate funding in place so your business can continue to run despite the exit of a partner, loss of a key employee, or an unexpected decrease in cash flow?
Our in-depth, face-to-face meetings are specifically designed to address these and other issues that are vital to your financial success, both now and in the future.
You’ll walk away from these meetings with a solid plan to pave the way to your financial success. We’re with you every step of the way, from the creation of your plan to adjustments down the road.
Your financial planning should be a dynamic process, ever-evolving to adjust to life as it happens. We honor your desired timeline, getting you to retirement on your own terms.
YOUR FAMILY & LEGACY
Our clients have a desire to make an impact on their communities. They think ahead to future generations. They desire the ability to lead their families into prosperity. These aren’t far-fetched goals if you have the right tools and a solid plan.
Lutz Financial reviews and advises on a wide variety of important financial matters. Whether you’re concerned about paying for your child’s college education, getting the right business insurance in place, putting together a charitable trust, creating family foundations or trusts or simply ensuring that your family members understand your financial intentions, we’re poised to help.
We take the time to really listen to your concerns and aspirations. We help you plan for a secure future where all your needs and wants are met.
Lutz Financial works with premier clients who desire a meaningful impact on their families and their communities.
Do you feel that investing is like a horse race, but you never seem to choose the winner?
Investment decisions based solely on emotion or fear seldom end well. Lutz Financial’s investment philosophy is grounded in years of unbiased academic research. We understand that the hottest investment trend of the day may not necessarily be the best investment for our clients. Instead, we rely on what works – an investment philosophy that is second to none.
- We keep expenses low.
- Diversification and rebalancing of portfolios are done systematically.
- We minimize turnover and taxes.
- We look ahead and think long-term.
- We recognize that asset allocation is a big determinant of portfolio performance.
- We apply discipline throughout the investment process.
Money is emotional, yet your financial decisions should be based in solid, academically-researched principles. We believe this is a profound aspect of our success.
In working with many business owners and key executives over the years, we have found that, increasingly, family and business are intertwined.
Whether you own your own business or you have a stake in the company for which you work, your business is certainly an important aspect to your family’s financial health.
Business owners have distinctive needs. Lutz Financial utilizes precise strategies to help manage your family’s exposure to the business, single-stock/option issues, and personal tax liabilities.
We recognize that one-size-fits-all does not apply to company retirement plans. Lutz Financial focuses on retirement plan design and implementation. The right plan will not only maximize employee participation and tax benefits for your company, but will also help support the overall success of your business.
Risk and return are always related.
Investing brings with it a certain element of risk. It’s important to ascertain the amount of risk that needs to be taken in order to achieve a desired goal.
Lutz Financial will help you decide what level of risk is acceptable versus what level of risk is necessary to reach your goals. We’ll guide you along to discover what portfolio combinations will help reduce the potential risks to your overall portfolio while also getting you the results you want.
We take risk management seriously. We will make sure you understand all the potential risks along the way while also advising you on the potential returns. You will never be left in the dark.
Risk management is not limited to your investment portfolio. We’ll explore other important aspects to risk management with you including, but not limited to:
- Liability management
- Emergency liquidity preparation
- Business risk management
- Insurance protection
Mitigating risk is a crucial aspect to a healthy financial future.
EXPENSES & TAXES
Have you invested in a mutual fund that declined only to receive a capital gains bill at the end of the year?
Have you felt dissuaded to sell an underperforming investment or annuity because of a broker’s deferred fee cost?
You won’t have these experiences with Lutz Financial. We don’t accept loads or commissions from mutual funds company. Our investment vehicles are chosen based solely on our expectation of how they will perform. We always make decisions based on the most appropriate investment options for our portfolios.
Though the equity markets have consistently yielded impressive returns for the past 100 years, many investors experience less-than stellar investment results. The reason why is simple – far too much energy was put into stock picking, market timing and return chasing when instead it should have been spent on factors that can actually be controlled.
- Tax efficiency
- Cash flow needs
We don’t make the claim to have a magic crystal ball, nor do we fall prey to whatever claims the latest investment “guru” makes about what direction the market is heading.
Instead, we offer a solid, dynamic plan that is based on credible research and years of financial planning experience.
MOST IMPORTANTLY…YOU MATTER
We ask our clients to be long-term thinkers, planners and investors.
Our clients are long-term thinkers, planners and investors. In return, they expect us to help them execute a plan that will provide them with the best returns available in order to set the stage of financial success for years to come.
We exercise care in managing our clients’ assets. Our goal is to deliver a future that our clients deserve – one where their finances are secure and their families are well cared for.
At Lutz Financial, we don’t take this responsibility lightly. Our clientele expects diligence, trust and confidentiality from us, which we have proudly provided since 2001 and will continue to provide far into the future.
We mind what matters most to us: our clients.