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Ready-2-Retire

Why

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.

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What

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.

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How

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.

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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.

Helpful Content

As of Today, You’re Different.

As of Today, You’re Different.

Help others achieve life-long financial balance with just a desire to be something different.

The Great Debate Continues: Active vs. Passive

The Great Debate Continues: Active vs. Passive

In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”

Forecast

Forecast

The market is as unpredictable as the weather. We’d love to help you prepare.

 

The Best Apps in Travel

Technology tips to make your next trip even better.

A Bucket Plan to Go with Your Bucket List

Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.

Putting a Price Tag On Your Health

Being healthy not only makes you feel good, it may also help you financially.

Fallen Tree Damage—Who Pays?

Your liability for damages that occur when a tree on your property falls on your neighbor’s property is not clear cut.

Global vs. International: What’s The Difference?

International funds invest in non-U.S. markets, while global funds may invest in U.S. stocks alongside non-U.S. stocks.

Strategies For Managing Student Loan Debt

Five strategies for managing your student debt.

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Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

Estimate Your RMD

Help determine the required minimum distribution from an IRA or other qualified retirement plan.

My Retirement Savings

Estimate how long your retirement savings may last using various monthly cash flow rates.

Comparing Mortgage Terms

Estimate the total cost in today's dollars of various mortgage alternatives.

Contributing to an IRA?

Determine if you are eligible to contribute to a traditional or Roth IRA.

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Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

Keys to Investing for Retirement

There are some key concepts to understand when investing for retirement

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A Bucket Plan to Go with Your Bucket List

A bucket plan can help you be better prepared for a comfortable retirement.

When Do You Need a Will?

When do you need a will? The answer is easy: Right Now.

Should You Invest in Exchange Traded Funds?

There are hundreds of ETFs available. Should you invest in them?

How to Bake a Pie-R-A

Roth IRAs are tax advantaged in a different way from traditional IRAs.

Will You Pay the AMT?

Despite recent tax-law changes, many Americans are expected to pay the AMT this year.

Retiring the 4% Rule

A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.

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