Who We Serve

Accumulation

Your ability to save and invest will always be unique based on your facts and circumstances. By utilizing benchmarks as a useful tool you can track your progress through each stage of your life. As an example, an investor aged 40 should have saved 1.5x to 2.5x their salary. Likewise, an investor aged 60 should have saved 6x to 11x salary. There is no “one size fits all”. Life can get in the way at times with children, education, housing demands, medical situations to name but a few.

Our goal is to help you identify and prioritize your goals while also helping you understand the impacts of the current events taking place in your life. We can work together to develop and implement a financial plan. With a plan in place, you are a step ahead as you continue to accumulate assets during your life.

Retirement Red Zone

If you are nearing retirement, it is said that for some, the best offense is a good defense. This Retirement Red Zone can also be referred to as the Preservation Phase of your Retirement Planning. This is because there is less time to recover from losses. This is also the time frame where your investments require strategy that can provide growth but also factor your tolerance for risk.

Our objectives are to help you understand the purchasing power, or lack thereof, of your accumulated savings and investments. We will help you assess your tolerance for risk. This is important in order to develop a cohesive strategy that factors the amount of time you will continue to earn and addresses the shortages or surpluses of accumulated savings.

Distribution

You’ve worked long, hard, and smart over the course of your lifetime. Work for some was fun but for many others, at times, it was not real fun. Now it’s time to move on to the last stage of our life where we can retire with dignity. Spend quality time with your spouse, enjoy your grandchildren, travel while still young, devote yourself to your passions.

Our job is ensuring that based upon your accumulation of savings, your portfolio of investments will be properly structured to provide you with money now, money soon and money later. This is also known as the Bucket Strategy approach.

Who We Are

What we do is more important than what we say.

We know what’s at stake. We know clients look to us for guidance. We take this responsibility very seriously. We support you with a team of business and tax experts. We act from the heart. We are transparent about your financial strategy and communicate the details in an easy-to-understand manner.

At Lanza Financial, we care about you.

Our mission is to understand and achieve what’s important to you by providing holistic wealth management and tax guidance that will empower you to make better financial decisions.

Recent Articles

With healthcare costs often resembling an unpredictable market, and long-term care expenses looming, the post-work years require careful financial planning. This blog post advocates for partnering with a financial professional to navigate these challenges, offering tailored guidance on Medicare, long-term care funding, and retirement law changes. By preparing strategically, retirees can confidently set sail into their golden years, free from the turbulence of unforeseen financial burdens.
How many years will your retirement last? What are the chances you’ll live past 90? Most of us answer those questions wrong because we don’t have strong longevity literacy. 1 That means that about 81% of us1 aren’t working with a viable understanding of our own life expectancy. Let’s explore how understanding longevity could create a positive impact in your retirement planning. What is longevity literacy? Longevity literacy refers to your knowledge about expected lifespans...
Believe it or not social media scams have been picking more pockets than any other scam today––including phone call and text fraud. 1 There have been more than $2.7 billion in losses to social media scams between January 2021 and June 2023. 2 And whether or not you’ve seen these cons in action, they don’t look the same today as they did even a year ago. 2 They’re becoming more personalized and harder to detect...
What’s your ideal retirement? Traveling? Practicing your favorite hobbies? Caring for loved ones? Whatever you envision, creating a plan of action can feel exhausting. There are, however, a few simple, yet commonly overlooked steps you can take today to help you feel more comfortable throughout your planning process.