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Clarifying Your Retirement

We believe financial independence is not a privilege, but a right of every client. We utilize retirement planning process, to create a dynamic plan that is strong enough to support personal goals, but flexible enough to adjust to changing conditions. This financial modeling tool is designed to find the balance between your standard of living and outliving your resources in retirement.

Through the utilization of “what if” scenarios, we can help you clearly see the possibilities of accomplishing your life’s dreams.

While the average lifespan continues to increase, retirement modeling is a critical component of any long term plan.

It’s essential to examine income, expenses, current and future assets, future health expenses, and inflation and taxes to determine if you’ll have adequate resources for yourself, as well as whether you can provide an inheritance or gift to your family without jeopardizing your financial independence.

Our process becomes the cornerstone of our planning for our client’s retirement. Confused about your retirement? Let us help you gain clarity.

Risk Management

As an expert in multiple disciplines, We will help you understand the risks you face in multiple areas. These include life and disability insurance needs as well as the need for long term care insurance.

Our goal is to assist you in determining your real risks and the amount of insurance coverage required to sufficiently manage those risks. When necessary, we can also help you find cost- effective solutions that meet your needs. Being independent of single company affiliations allows us to go to the market on your behalf…..  not ours.

Tax Planning

Tax planning is an essential component of wealth management. Proper advice and skilled planning can transform tax return filings from mere historical accounting to roadmaps for cost savings and wealth creation.

We can work with your existing accountant or recommend one to ensure that your entire advisory team is executing an efficient tax plan on your behalf. Some of our greatest advocates are our client’s attorneys and certified public accountants (CPA), because we work so well within a team model. While it’s gratifying to gain referrals through these collaborative relationships, the true beneficiary is you, our client.

Investment Management

If there is one thing that the last few years have shown us, it is that markets are unpredictable. Guiding your portfolio through turbulent times requires experience, patience and vigilant management. We are committed to helping you meet your individual goals and structured around your risk tolerance. That is why our advice is client-centered and client – specific.

We focus on understanding you, your unique goals and where each fits into your life. We help clarify your life goals and link them to individual, customized investment strategies. Our process allows us to measure your progress, not against arbitrary benchmarks, but against the very goals we are working to achieve.
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Ted Lukeman is a Registered Representative and Financial Advisor offering securities, insurance, and advisory services through Royal Alliance Associates, Inc. Member FINRA/SIPC. Additional insurance services offered through Ted Lukeman are independent of Royal Alliance Assocaites, Inc.

In this regard, this communication is strictly intended for individuals residing in the states of Texas, Colorado, and North Carolina  in which he is securities licensed. No offers may be made or accepted from any resident outside the specific states referenced.

IMPORTANT CONSUMER INFORMATION

A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.


This communication is strictly intended for individuals residing in the state(s) of CO, NC and TX. No offers may be made or accepted from any resident outside the specific states referenced.
 


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