Insurance & Financial Services
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For The Individual

LBW Financial Services

Your Comprehensive Family Financial Plan

The first step on your path to financial independence is the preparation of a comprehensive Family Financial Plan. This plan will become a model of your financial future, allowing us to measure the impact of any change we could consider making in your finances.

Your plan will allow us to:

  • Turn your dreams into quantified financial goals. We’ll determine how much your goals will cost, and when we’ll need to be prepared to pay for them.
  • Address your concerns and expectations for retirement.
  • Identify risks which could put your plans in jeopardy, and manage those risks.
  • Determine those elections which will maximize the benefits you receive from Social Security and pensions.
  • Plan for the rising cost of retirement health care.
  • If you have children or grandchildren, plan for contributing to their higher education.
  • Identify strategies to reduce the drag of taxes on your financial plan.
  • Develop a plan to distribute your assets to the next generation.

Your plan will also guide our asset allocation advice:

  • Determine what returns your investments will require to reach your goals.
  • Stress test the plan against adverse market conditions.

Once your plan is presented to you, you’ll be provided a bound hardcopy to take home. This becomes a living document, and we’ll update it to reflect life changes as we work together.

Benefits of working with an independent Registered Investment Advisor

As your fiduciary, we only advise that which we would do for ourselves in your situation.
Fiduciary is a legal standard we voluntarily adhere to. We put the needs of the client ahead of our own. FINRA and the U.S.government don’t mandate us to take on this standard. We do it because we believe it represents the ethics by which every advisor SHOULD operate.

No offers of proprietary products.
At LBW, clients benefit from an unbiased analysis of the entire investment landscape. In contrast, for example, if you go to an investment bank, they’ll likely recommend that firm’s proprietary products. In that scenario, the bank puts their interests ahead of yours. In contrast, LBW screens securities across all issuers for superior risk-adjusted returns while minimizing your investment expenses. After all, our loyalty has always been to our clients.

We partner with Charles Schwab for world‐class trade execution and financial strength.
To safeguard your assets, Schwab acts as custodian of your investments. You’ll benefit from world‐class equity and fixed income trade execution. Mutual funds are institutionally purchased as a no‐load (zero commission) trade.


Access to the thought leadership of many firms.
LBW turns to a robust suite of analytical resources to research marketplace offerings. We have contracts to access Wall Street analyst reports from the following:

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CA Insurance Lic. #0785905 Securities offered through Securities America, Inc., Member FINRA/SIPC. Financial Advice & Investment Advisory Services offered through PFG Advisors. LBW, PFG Advisors, and Securities America are separate entities.

INSURANCE CLIENT TESTIMONIALS

  • LBW has provided world class service and advice and I would recommend them to anyone desiring top quality insurance solutions.

    “"I want to take this opportunity to thank you for the outstanding personal attention and service we have received. The staff at LBW are not only very knowledgeable and courteous but they are also accessible both in person and by phone as needed. In addition to all of the personal assistance we have received your staff has well represented LBW as my advocate for quality insurance plans. From design, to enrollment, to administration; LBW has supported me through all of my employee benefits and business insurance choices. LBW has provided world class service and advice and I would recommend them to anyone desiring top quality insurance solutions."”

    Inna Tuler, President Maintco Corporation

  • Your team works together seamlessly.

    “The service we receive from LBW has been outstanding! Your team works together seamlessly. LBW can be proud to have such helpful, attentive, competent and caring personnel willing to go the extra mile to help the clients they serve.”

    Barbara Frederick, Dir of HR at Filter Pump Industries

  • The guys at LBW really helped us identify our key risks and gave us valuable insights on how to mitigate them

    “The guys at LBW really helped us identify our key risks and gave us valuable insights on how to mitigate them. Howard and Todd are both exceptionally informative and really easy to work with. As the CEO of an emerging-growth startup I highly recommend the team at LBW.”

    Marty Chaskin, Co-Founder and CEO of LockAware, Inc.

  • Thank you for the excellent job you do for my business, my employees, and my family.

    “"I want to thank you for the excellent job you and your team did on my recent fire claim. As you know, the fire we experienced at our property was devastating and the loss much larger than first anticipated. The LBW team stayed on top of the carrier and really pushed to get our claim handled as quickly and effectively as possible. As always, you and your team treated me like a VIP. This is just one more instance that confirms my decision to put both my business and personal insurance with you. More important than the follow-through provided when we experienced our loss, is your team’s continual review of our policies. It was those reviews that made sure we were adequately covered. Thank you also for making me look good in the eyes of the many folks I have referred to you. I know you will always take good care of those I send your way.”

    Rodney L. Gleicher, President G&G Properties

  • I consolidated all of my policies with LBW and received excellent service and better coverage for less annual premiums!

    “I consolidated all of my various insurance policies (homeowner, auto, boat) with LBW and received excellent service from Millie and must say, better coverage on all for less annual premiums! I did not realize that I could get such great rates with AARP policies by using LBW as my agent!!! Highly encourage all my friends to check it out!!!”

    Jennifer Domingos