Protection and Planning

Protection and Planning For Your Future

We understand that no two clients’ needs are alike. By identifying the key issues in your financial outlook and discussing your goals, we tailor solutions that are unique to you and your family.

Retirement Planning

We’ve all heard people refer to life in retirement as “the golden years.” But today, retirees are finding it difficult to develop a comprehensive plan that provides income for a lengthening lifetime, protection for what’s to come in the future and a legacy for loved ones. At Lucente, Medling & Associates, we recognize the challenges you face – and have just the knowledge and resources to help you overcome them. We’ll work to help you maximize the value of your nest egg, preserve your wealth, create an income stream you cannot outlive and prepare for all of life’s unknowns. Most importantly, we’ll make sure your plan is aligned with your goals and objectives, and put you on the path to achieving the retirement you deserve. Contact us to learn more »

Tax Planning

A key component of any successful retirement plan is the strategic positioning of your assets. When you choose to partner with us, we’ll determine which assets are going to be taxed now, which will be taxed later and which will be taxed never*. Once we’ve identified these allocations, we can help you find ways to move forward in building and maintaining your wealth in a way that minimizes your tax burden. Our team will work together to uncover opportunities and present you with solutions based on your individual and family needs while helping you keep more of your money. Contact us to learn more »
* Based on current tax laws

Business Planning

As an entrepreneur or business owner, we appreciate that you embrace the experiences and responsibilities that come with owning your own business. More importantly, we understand that business owners face unique circumstances and challenges when it comes to planning for the future. We’ll work with you to maximize the financial and tax benefits available for you, your family and your business. We can also help you take a look at the big picture and ensure that both your personal and business financial affairs are aligned, ensuring that you’re on the road to achieving your goals. Contact us to learn more »

Legacy Planning

Like many clients, you may not only want to prepare for retirement, but also create a plan to ensure your loved ones are protected long after you pass. If you’re looking to leave a legacy to your children, grandchildren or a charity of choice, we can help make it happen. After completing a comprehensive needs analysis to determine your goals and values, we’ll present strategies that make sense for your unique situation. Then, we’ll develop a plan that takes into account current estate planning and gifting laws to maximize your legacy – while minimizing the tax burden you leave those who matter most. Contact us to learn more »

Estate Planning

In addition to getting your finances in order, arranging your estate is a critical part of the planning process. We are committed to helping you eliminate uncertainties about your estate and ensure that your assets are distributed according to your wishes after you’ve passed. From wills and trusts to beneficiary designations and powers of attorney, our team of service professionals will help make thorough preparations for covering all aspects of estate planning. Furthermore, we’ll help you streamline the process of organizing the documents and financial statements needed to keep your loved ones out of court. Contact us to learn more »

Services that we offer:

  • Rollovers: 401-k, 403-b, 457 and other qualified plans
  • Retirement strategies
  • Portfolio review and analysis
  • Life insurance policies and review
  • Estate strategies
  • Business succession programs
  • Wealth transfer strategies
  • Long term care
  • Disability income
  • College savings
  • Pension maximization

Please contact us to learn more about how we can help you achieve your goals.