Our Company


At L & R, we take a long term approach when planning for our clients. We take the time to understand and differentiate between those who are looking to build and accumulate wealth, those who are living off of and enjoying the wealth they’ve created and those looking to transition their wealth. That’s why we believe in building customized strategies to address each client’s objective. We understand that navigating the challenges of family dynamics is a priority to families when distributing wealth and we strongly believe that financial education should start at an early age. We believe that complete transparency builds confidence and ensures our clients understand every decision we recommend on their behalf. Working directly with their other professionals, such as CPAs and estate attorneys, L & R engages the client’s other professionals to help incorporate a comprehensive plan. Whether you are a company looking for retirement plan options and/or a full-service benefits package, an individual or family needing investment review or financial advice, we can help you design a customized solution to meet your needs.

At L & R, we focus on four key areas:

  • Individual and Family Wealth Management Services
  • Employer Sponsored Benefits, Retirement Plans & Participant Education
  • Business Owner / Executive Solutions & Business Succession Strategies
  • Estate Planning

Our Commitment

Our uncompromising devotion to the long-term success of our clients is a commitment to our own success. This parallel aligns us with our relentless pledge to serving our clients.

 

OUR PLANNING PROCESS

 

·We start by establishing and defining the relationship with the client. Understanding their long term goals and the legacy they want to leave.

·Once we’ve defined the relationship, we then gather client data.

·From there, we analyze and evaluate the client’s current situation.

·We then design a customized strategy and present the solutions to the client.

·Once the solutions ares agreed upon and questions are addressed, we then move to implement those strategies and plan a course of action designed to reach their objective.

·With the plan implemented, we provide ongoing due diligence to monitor the ongoing progress of planning and make adjustments as the client’s needs and/or financial situation changes.

 

VALUE PROPOSITION

 

Our value proposition to clients who work through our process is to help our clients:

·         Identify and set financial goals

·         Give you a reality check according to your timeline

·         Help you stay focused to live within your defined parameters

·         Identify where financial decisions could be made

·         Measure your progress toward your goals

·         Identify ways to allocate and capitalize on your money

·         Identify and manage risk 

·         Be more confident and accountable with your money

·         Give you strategies to help with financial goals designed to allow you to live more comfortably and enjoy life

 

 

 

EXPERIENCE / QUALIFICATIONS

 

We have combined experience of over 25 years in the financial services industry. Our team of financial professionals has an extensive background in Finance, Investments, Insurance, Group Benefits and Comprehensive Financial Planning. Jeff has FINRA Series 63 & 7 registrations, Life and Health, Variable Life and Variable Annuity Insurance License. Michael has FINRA Series 6, 63, 7 & 65 registrations, Life and Health, Variable Life and Variable Annuity Insurance License.

We adhere to the “Practice Standards” set forth under the CFP Board's Disciplinary and Ethics Commission and Appeals Committee to provide the quality service we believe everyone deserves.