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.
How Income Taxes Work
A quick look at how federal income taxes work.
What Is a 1035 Exchange?
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
Can Election Results Predict the Market?
How do the markets usually react to elections? Was the 2016 election any different?
Investors who put off important investment decisions may face potential consequence to their future financial security.
Gun owners need to make sure that their homeowners policy covers the full value of their firearm(s) as personal liability.
Military families face unique challenges, making personal finance even more critical.
Estate tax exemptions rules appear to be stabilizing, prompting many to reconsider conventional estate strategies.
Living trusts are popular, but their appropriateness will depend upon your individual needs and objectives.
If you have a traditional IRA, you may have the opportunity to extend its tax-deferred status across multiple generations.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
This calculator can help you estimate how much you may need to save for retirement.
Help determine the required minimum distribution from an IRA or other qualified retirement plan.
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator can help you estimate how much you should be saving for college.
There are some key concepts to understand when investing for retirement
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
There are a number of ways to withdraw money from a qualified retirement plan.
How federal estate taxes work, plus estate management documents and tactics.
There are some smart strategies that may help you pursue your investment objectives
Pundits say a lot of things about the markets. Let's see if you can keep up.
Learning more about gold and its history may help you decide whether it has a place in your portfolio.
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Agent Jane Bond is on the case, discovering how bonds diversify a portfolio.
In good times and bad, consistently saving a percentage of your income is a sound financial practice.
Have you explored all your options when it comes to managing your taxable income?