If you've spent decades building a career, raising a family, and diligently saving into your 401(k) and IRA — only to find yourself approaching retirement quietly wondering whether it's actually enough, whether taxes will take more than they should, and whether you can finally start spending without second-guessing every decision — you're in the right place.
Early in my career, I expected clients to arrive at retirement excited — ready for the adventure they'd spent a lifetime earning. Instead, I kept meeting the same surprising emotion: fear. Fear of running out of money — and it showed up almost regardless of the numbers, in people with barely enough and in people with many times what they'd ever need.
That fear quietly robbed them of the retirement they'd worked for. They stopped living on their own terms, spent far below their means, and too often left behind sizable windfalls they could have enjoyed — or given on purpose — while they were still here to see it.
I founded the Lunin-Pack Financial Group to change that story: to give successful families the clarity and confidence to actually live the retirement they've earned.
"The real risk was never running out of money — it was being too afraid to spend it." — Jesse Lunin-Pack, CFP®
Founder & Managing Partner
Numbers are only part of the job. For nearly 30 years, Jesse has served as a volunteer EMT — and when you've spent three decades showing up at 2 a.m. for strangers on the worst day of their lives, showing up for your clients becomes second nature. He's also a former Board President and current Safety & Security Team Lead at the Beacon Hebrew Alliance, and served a term on the Garrison School District Audit Committee. Outside the office you'll find him hiking, biking, or snowboarding, at the poker table, or enjoying a good coffee and a well-made whiskey.
JD — Director of Operations
Liz spent a decade as an attorney representing hedge funds on SEC compliance matters before bringing that expertise in-house. She understands the regulatory world investment advisers operate in from the inside — which is exactly why the firm runs as smoothly as it does.
A graduate of SUNY Binghamton and NYU School of Law, Liz makes sure every client interaction reflects the care and professionalism the firm is built on, and she gives her time as a former PTA treasurer and food pantry volunteer. Off the clock, she's usually outdoors — hiking, kayaking, or in the garden — ideally followed by a good coffee or an Aperol spritz.
The free Retirement Insight Assessment is the clearest first step — a no-pressure, three-step process to show you exactly where you stand.
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