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FINANCIAL GUIDANCE FOR RETIREMENT PLAN PARTICIPANTS AND INDIVIDUALS

At Lestna Retirement, we believe that "fortune favors the prepared mind." Whether you are concerned about financial future, worried about retirement, not sure how to fund your children's education, or got stuck in a debt hole our goal is to resolve all your concerns and blaze a trail towards your financial security and well-being. 

 

Lestna Retirement will work with you to create a personalized financial plan and integrate it with your overall investment strategy. Financial planning is a dynamic process that requires periodic updates and involves monitoring and reviewing. We can help you with plan implementation, guide you through the process, and monitor your progress, making sure you stay on track.

Annual Fee: $3,000

Account Minimum: None

FINANCIAL PLANNING

A comprehensive analysis of your current financial situation and future cash flows in order determine how you can meet your financial goals. A well-designed financial plan is a compass that guides you on a road towards achieving your financial goals.

RETIREMENT PLANNING

Retirement planning pursues one simple goal: to achieve financial freedom and live the life you desire. With all advantages of rising life expectancy, 61% of Americans are concerned about outliving their money. We can help you with proper asset allocation and offer solutions to minimize the chance of outliving your money.

EDUCATION PLANNING

College tuition continues to rise and saving for your kids education becomes a real challenge. When should you start saving and how much? Is a 529 plan your only option? Is there a way to get a more affordable student loan?

BUDGETING AND CASH FLOW

Tracking and limiting unnecessary expenses is not a pleasant thing to do, but it is a prerequisite of your financial success. A healthy budget helps to prioritize expenses, prevent a crisis, prepare for major life-changing events and, more importantly, lay down the foundation for funding your future liabilities.

DEBT MANAGEMENT

Debt can be a huge obstacle on your way to financial success. The good news is that debt can be either good or bad debt. We will thoroughly analyze your debt situation and provide you with advice on which debts to pay off first and help you to transform from debtor to a lender.

IRA AND 401(K) ROLLOVERS

As your career progresses, chances are you will change jobs. Have you ever thought what to do with your old 401(k) account? Whether you decide to cash it out, leave it as is, transfer or roll it over into an IRA, we can assist you with asset allocation and make sure that your money continues to grow.

ASSET ALLOCATION REVIEW WITH RECOMMENDATIONS

Whether you have a 401(k), IRA, or an individual brokerage account, proper asset allocation is the key to your long-term success. We will review your portfolio for diversification, fees, alignment with your risk tolerance and goals. Based on our review, we will suggest an asset allocation that will be tailored to your goals and risk preferences.

 

GETTING STARTED IS EASY

 

DOES YOUR PORTFOLIO FIT YOU?

Capture Your

Risk Number®

The first step is to answer a 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains. Then we’ll pinpoint your exact Risk Number to guide our decision making process.

Align Your

Portfolio

After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.

Define Your Retirement Goals

We will also review your progress toward your financial goals by building a Retirement Map. 

When we are finished, you’ll better understand what we can do to increase the probability of success.

Let's Plan Together

 

To discuss your financial future and find out solutions that will help you to take control of your financial life, please schedule a FREE discovery meeting below: