Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

The Lifetime Difference

Securing your life style over a potential 30-year retirement is the largest and most important financial goal you face. It is the lifetime goal of a good financial plan, and the focus of my practice.

Lifetime financial planning is a specialty that creates a life long savings, investment, and risk management plan to securely meet your lifetime goals and securely fund your retirement.

My services organize and simplify your financial life, and set goals for your savings and investments. My mission is to help you attain the confidence, peace of mind, and resources to reach your goals and live your life more fully.

 

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  • Puts you and your family’s life style, not your investment portfolio, at the center of the planning process
  • Builds your standard of living during your career and sustains it throughout your retirement years
  • Balances your career earning potential, a safe savings rate, expected Social Security and pension benefits with the lifetime expenses needed to sustain your lifestyle
  • Manages the unique life and financial risks you face that threaten your financial goals

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  • Allows you to begin your retirement income planning at an early age when simple steps to secure your retirement income are cheaper than later in life
  • Never too late to start, but the earlier you begin, the easier it is to meet your lifetime goals
  • Provides a smoother transition in your pre-retirement after age 55, from saving and investing to building secure lifetime retirement income
  • Creates a secure retirement income floor for your essential expenses through out your retirement, with an allocation for upside growth that matches your capacity for risk

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  • Many planners put investing your portfolio at the top of their plan, without considering your lifetime financial profile—with choices that may be wrong for you
  • Planners who sell investment products may prefer lump sum distributions which increase their fees from the larger portfolio they manage for you, while planners who sell insurance may prefer annuities which increase the commissions they earn year after year—while a mix of both may be right for you
  • Lifetime planning puts your best interests first, with unbiased, objective analysis of all the options, without the influence of management fees or sales commissions affecting the guidance you receive
  • Lifetime planning starts with your household lifestyle and lifetime financial profile to set your best course, and not with the products that the planner represents

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