We believe that most people are experiencing some internal turmoil over the “right” thing to do with their finances. Whether it be over cash flow decisions, estate planning, wealth management, investing, social security choices, business succession or even competing goals such as paying for college and being able to retire.Learn More
We help you discover what you are trying to accomplish and what is or what could get in your way of accomplishing it. We uncover your options and turn in-action into action.
We do this by applying macro-economic thinking to all of your financial decisions leading you to optimal financial balance which allows you to alleviate financial threats and to meet your financial obligations with more certainty than luck.Learn More
Understanding Today's Financial Environment
At Lutz & Associates, we understand that every situation is unique and we strive to take the mystery out of preparing for today and tomorrow by employing a comprehensive financial analysis. Whether your goal is preparing for retirement, college savings, or executing an estate strategy, our personalized service focuses on your needs, wants and financial goals and objectives.
Our professionals have decades of experience counseling individuals, families and business owners on their financial strategy. Our goal is to serve as a trusted alliance to you throughout every stage of your life. We look forward to working with you.
Three Key Questions to Answer Before Taking Social Security
When to start? Should I continue to work? How can I maximize my benefit?
Stop Wasting Money
One way to find money is to examine your current spending habits and eliminate money wasters.
A Home Insurance Claim: To File Or Not To File
Learn when it may not make sense to file a claim on your home insurance.
Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.
Here are several important changes to Social Security that may impact how and when you can begin taking income benefits.
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.
Some people wonder if Social Security will remain financially sound enough to pay the benefits they are owed.
An inside look at how marginal income tax brackets work.
When your child has income, there’s a good chance that he or she will need to report it and pay taxes.
Enter various payment options and determine how long it may take to pay off a credit card.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
This calculator compares the financial impact of leasing versus buying an automobile.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
How federal estate taxes work, plus estate management documents and tactics.
There are a number of ways to withdraw money from a qualified retirement plan.
There are some smart strategies that may help you pursue your investment objectives
There are some key concepts to understand when investing for retirement
Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.
We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?”
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
The seas of the market are constantly shifting. Whether the good ship IPO can set sail may depend heavily on the tides.
Recent changes in estate tax laws could affect the strategy you have in place.
What is your plan for health care during retirement?