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Personal Finance

The perfect match: Your financial needs and our custom solutions.

Sound financial health. It takes in-depth analysis. It takes careful planning. It takes solutions, tailored to help meet your unique requirements. We employ a disciplined, structured approach to financial planning which, by design, ensures that we incorporate all of your needs, goals and objectives, in developing a financial plan that's appropriate for you.

Lincoln Financial Advisors is a nationwide organization of financial planning professionals who specialize in identifying and resolving complex estate, business transfer, retirement and investment problems. We have a long and proud history of helping to meet the needs of business owners, executives, professionals and retirees.

Our process proceeds through two primary steps: first to fully understand and analyze the specifics of your financial situation, and then to provide you with the information, advice and alternatives you need to make the appropriate decisions about your financial future. Each of our financial plans is designed to help meet your unique needs, circumstances and objectives.

The key elements of a sound financial plan

All of our plans include a comprehensive evaluation and analysis, and recommendations in one or more of the following areas:

  • Estate Planning. Taxes can significantly shrink the size of your estate. Proper planning is critical to help minimize estate settlement costs and provide a comfortable living for your family. We provide advice on issues including property ownership, distribution strategies, estate tax reduction and tax payment techniques.
  • Business Succession Planning. If you are a business owner, we help you to decide whether to keep or sell your business interest at death, disability or retirement. Whatever your decision, we help assist you in retaining its value for you and your family. We also will evaluate the tax consequences of your options and help you reduce their impact at the time of transfer.
  • Retirement Planning. With retirement often lasting for 20 years or more, many of our clients are concerned about outliving their savings. To avoid a savings shortfall, it is critical to spend time now to help ensure that you will have the capital to afford the retirement lifestyle you desire. We'll help you choose the best techniques to accumulate wealth for retirement income and offer sound alternatives for asset allocation and income distribution following retirement.
  • Investment Planning. In today's economic environment, obtaining investment information is easy; choosing the investments that are right for you is much more difficult. We assist you in identifying your investment objectives, evaluating your risk tolerance, analyzing your current portfolio, developing an appropriate asset allocation strategy and recommending various alternatives tailored to help meet your individual needs and goals.

Tailored - not off-the- rack - solutions

You'll find that working with us is a unique experience. Our financial planning process puts the emphasis on you and your needs, not on a prepackaged set of solutions or ideas. We are committed to providing you with the information you need to make timely, informed decisions about your financial future. The benefits of this approach are quickly apparent - you enjoy a greater understanding of the impact of various options and are better positioned to make the appropriate decisions for yourself and your family.

In addition to our educational approach, there are other benefits that we can offer - benefits such as:


We do not claim to be all things to all people. We work with high net worth business owners, professionals, executives and retirees - all responsible, respected leaders in their industries, professions and communities. By limiting our scope, we have developed a detailed understanding of the unique problems and opportunities that our clients face. That translates into our ability to help you toward achieving your goals.

The Model Approach

Effective planning is only possible with the help of good modeling. Our proprietary software allows us to create an individualized financial condition model that:

  • Addresses your needs and objectives in a way that fully takes into account the long-term impact of taxation, inflation and each of the financial strategies you have already implemented or plan to implement;
  • Projects your annual cash flow - income and expenses - and your asset growth over the full length of your life expectancy; and
  • Estimates, at all points in time, the size of your net worth, your savings and investments, and your estate.

With our sophisticated modeling, we can help you determine the adequacy of your current financial situation, show how a given financial planning strategy that you have already implemented or are considering compares to other available strategies, and demonstrate what happens to your current financial plan if you should experience significant changes in your personal or family situation, taxes, inflation or investment returns.

Bringing It All Together

Many of our clients have trusted, long-term advisors - perhaps an attorney, CPA or both - who have done much of their financial planning work (wills, trusts, business agreements, retirement plans, etc.). Our work supplements and coordinates the services these advisors provide. While each of your existing advisors is a focused specialist, we look at the various pieces of your financial picture and put them together by using a cross-disciplinary approach to help toward meeting your objectives. We also work closely with your advisors to ensure that the alternatives you choose complement any existing business, estate tax or investment strategies.

Follow Through

Your relationship with us doesn't end once we complete our work and you implement your financial plan. Because your personal situation and objectives are not static, the financial plan you develop today will rarely meet all of your needs in the future. By periodically meeting with you, we will analyze any changes in your financial situation, evaluate their impact on your current financial plan, and recommend alternatives as necessary. This often-ignored step is critical to help ensure the long-term benefit of the financial planning process for you and your family.

You Can Count On Us

Our name and reputation have been built on servicing each client as if he or she were our only client. The personal attention that we provide is one of the primary reasons that many of our clients become partners for life. If this is the kind of relationship that makes sense to you, give us the opportunity to personally discuss the benefit of our work with you. We are confident you'll be glad you did.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | 856.488.2851