What this complimentary review is (and what it is not)

This is:

• A calm, no-pressure conversation Focused on clarity, confidence, and long-term planning
• Designed for people approaching or already in retirement
• Best suited for disciplined savers who value thoughtful decisions

This is not:

• A sales pitch
• A product presentation
• A rushed or generic consultation

My goal is simple: help you understand where you stand today and whether small, thoughtful adjustments could make the years ahead more rewarding.

What we will cover:

In our complimentary retirement review, we typically discuss:

• Your current retirement picture (income, assets, and goals)

• How your investments are aligned to support you

• How to manage risk

• Tax considerations and distribution planning

• Whether your current approach supports the lifestyle you envision

The overarching goal is for you to leave with greater clarity — whether or not we ever work together.

Who this review is best suited for:

This review is intentionally selective.

It is best suited for individuals or couples who:

• Are approaching or already in retirement

• Have saved diligently over time

• Prefer long-term planning over short-term speculation

• Value clear, honest guidance

If that sounds like you, this conversation will likely be a good fit.

Financial Planning and Investment Advice are offered through Lunin-Pack Planning and Advice, LLC, an SEC Registered Investment Adviser. Registration as an investment adviser does not imply a certain level of skill or training.  The publication of Lunin-Pack Planning and Advice, LLC’s web site on the internet should not be construed by any consumer or prospective client as Lunin-Pack Planning and Advice, LLC’s solicitation or attempt to effect transactions in securities, or the rendering of personalized investment advice. 

A copy of Lunin-Pack Planning and Advice, LLC’s current written disclosure statement as set forth on Form ADV, discussing Lunin-Pack Planning and Advice, LLC’s business operations, services, and fees is available from Lunin-Pack Planning and Advice, LLC upon written request. Lunin-Pack Planning and Advice, LLC does not make any representations as to the accuracy, timeliness, suitability or completeness of any information prepared by any unaffiliated third party, whether linked to or incorporated herein.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

We are neither your attorneys nor your accountants and no portion of this material should be interpreted by you as legal, accounting or tax advice.  We recommend that you seek the advice of a qualified attorney and accountant.

Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.