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Products and Services

Financial Subscription Model

  • Identify goals and concerns
  • Develop an optimal annual savings plan
  • Accountability and tracking of goals and concerns quarterly
  • Life event consultation
  • Access to personal Living Balance Sheet® and Cash Flow Mapping client portals
  • Financial organization, education, coordination, and integration amongst all four financial domains:
    1. Cash flow
    2. Assets
    3. Liabilities
    4. Protection

* Annual fee is determined by earned income and client's desire for meeting frequency
* Retainer model (renews annually)

Financial Consulting Model

  • Comprehensive data gathering
  • Financial organization and prioritization
  • Advanced investment analysis and recommendations
  • Complex life event consultation These can include, but not limited to: (Retirement income planning, Business exit planning)
  • Typically 3-5 meetings
  • Financial organization, education, coordination, and integration amongst all four financial domains:
    1. Cash flow
    2. Assets
    3. Liabilities
    4. Protection

* Scope of work is proposed on a case by case basis and is determined by earned income and net-worth
* Project model (1 year period)

Professional Wealth Management

  • Help manage investor behavior through education
  • Understanding your risk tolerance based on your beliefs, behaviors, attitude and time horizon
  • Alignment between you and the appropriate wealth manager
  • Ongoing research and due diligence on wealth management offerings
  • Review of tax efficiency
  • Portfolio rebalancing
  • Regular market update
    performance conference calls with portfolio management team member
  • Annual review

* Fee is determined by account size
* Advice is limited to assets under our management

Transactional

  • Life Insurance
  • Disability Insurance
  • Long-term care
  • Fixed annuities


  • Mutual funds
  • ETFs
  • CDs
  • Variable annuities
  • Individual securities
  • Traditional IRAs
  • ROTH IRAs
  • Non-qualified
  • SEPs
  • Simple IRAs
  • 401(k)s
  • Group benefits


At Lutz & Associates, we take pride in never giving advice about product until we have a full understanding of the unique facts and circumstances of each client. There are many variations of each product/strategy. We are appointed with several insurance companies and offer a wide variety of mutual fund families, annuities and wealth management platforms.