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Personal Planning

We have unique financial tools and processes to help people build financial foundations and create wealth. Along the way, you will learn about the market forces, restrictions and opportunities. Working together, we can determine which of these would apply to each situation. All aspects of your financial life can be coordinated to help optimize effectiveness and maintain your control and flexibility for the future. 

What LBS Clients Say — Overview


Financial Truth



For Your Life



ADDITIONAL RESOURCES:

15 Financial Balance Rules

Trying to Get Ahead

What’s in a Number?

It’s More Than You Think

Fairy Tale Called Risk = Reward

401(k) Picture

Real Cost of Losing Money

15 vs 30 Year Mortgage

Comprehensive Balance Sheet

Debt vs. Savings—Which Comes First?

Wealth Accumulation & Savings Programs


The Living Balance Sheet®


Personal Risk Management:

  • Insurance Planning for Group Health & Dental
  • Individual Disability Income Insurance* and Life Insurance
  • Long Term Care Insurance

Retirement Income Programs & Coordination


Estate Planning


Investment Services


College Funding Strategies


Special Needs

* Disability income products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, or by The Guardian Life Insurance Company of America (Guardian), New York, NY. Berkshire is a wholly owned stock subsidiary of Guardian. Products not available in all states. Product provisions and features may vary from state to state.

** You should consult your tax or legal advisor regarding your individual situation.