Personal Services

Financial Planning

The LBL Group offers comprehensive personal financial planning services for the individual and business. The Essential C.A.R.E. Process for investors adheres to a continuous six-step process centered on a 360 degree view of our client’s current and future needs — the things they care most about. To help you achieve your financial goals, protect and enhance your quality of life, and fulfill the dreams you have laid out for yourself and your beneficiaries, we act as your advocates on the financial field of life.

Our job is to guide you through each significant life change with care, integrity, dedication and commitment.

Financial peace of mind comes from planning. Our system organizes your assets, investment strategies, and insurance and estate needs through consolidating and integrating every part of your financial life.

The Essential C.A.R.E. Process™ for INVESTORS PROVIDES:

  • Financial Plans
  • Asset Allocation Strategies
  • Account Aggregation (bank and brokerage accounts)
  • Comprehensive Financial Plans
  • Investment Planning and Asset Allocation Strategies
  • Retirement Planning
  • Education Planning
  • Cash Management and Budgeting
  • Estate Planning
  • Risk Management

Retirement Planning

We offer comprehensive retirement planning services for the individual, whether you are in an accumulation or distribution phase. An LBL financial planner can help you determine retirement income needs, design diversified asset allocation strategies designed to mitigate risk, and help you coordinate other benefits such as Social Security and pension income with retirement income.

We can assist with the following:

  • 401(k) Rollovers
  • Asset Allocation Strategies
  • Estate Planning
  • Risk Management
  • Retirement Income Planning

Wealth Management

In addition to our comprehensive financial planning services, The LBL Group offers a specific array of wealth management services to cater to high net-worth clients:

Wealth Accumulation – We will manage and coordinate all individual and business related investment portfolios, and develop strategies for asset accumulation and preservation. In addition, we offer a comprehensive selection of risk management services designed to protect your family and the wealth that you have accumulated.

Estate Planning – Our estate planning strategies attempt to minimize any tax burden on your heirs. Through plans of living disposition, we can provide liquidity and income options using cost effective planning techniques.

Asset Management – The LBL Group provides an independent, objective selection of investment managers to execute your asset allocation plan. Selection is based on the quality of the investment team, not the name of the firm. We use well-regarded consulting firms to identify specialist money managers.

Individual Health

The LBL Group offers medical plans for individuals and families to meet their health insurance coverage and wellness needs. It is important to note that with the passage of the Patient Protection and Affordable Care Act (PPACA), new annual and qualifying event enrollment periods apply. Call LBL today to ensure that your application is submitted in the right timeframe and without penalty. Missing your enrollment window could cause you to go without coverage for an extended period without the opportunity to sign up for health insurance. This may also cause you to be subject to the individual tax penalty for not maintaining health insurance as an individual.

With Healthcare Reform, health insurance is required. The LBL Group can assist you in finding an affordable health plan and in determining if you qualify for a subsidy through Covered California.

There are many new rules and regulations with the passage of Health Care Reform. The LBL Group can help you navigate through and simplify the process utilizing Covered California (California’s state run health insurance marketplace/exchange) and directly with insurance carriers.

Life Insurance

The Essential C.A.R.E. Process assists clients with the design and implementation of executive benefit plans. We offer the most innovative and effective policy designs available today. Whether your need is for short or long-term, low-cost life insurance, cash value permanent life insurance, estate protection, buy-sell, key-man, deferred compensation or executive bonus coverage and funding, we can provide a solution that fits.

Our Expertise Includes:

  • Life Insurance
  • Disability Insurance
  • Executive Benefits
  • Annuities
  • Complete review of current insurance policies
  • Complete analysis of all your insurance needs
  • Instant rate comparisons from the nation’s leading companies
  • Insurance programs best suited to your situation
  • Customized, competitively priced proposals
  • Periodic review and update of your insurance program
  • Assess industry standards and trends