Who We Serve

Accumulation

Your ability to save and invest will always be unique based on your facts and circumstances. By utilizing benchmarks as a useful tool you can track your progress through each stage of your life. As an example, an investor aged 40 should have saved 1.5x to 2.5x their salary. Likewise, an investor aged 60 should have saved 6x to 11x salary. There is no “one size fits all”. Life can get in the way at times with children, education, housing demands, medical situations to name but a few.

Our goal is to help you identify and prioritize your goals while also helping you understand the impacts of the current events taking place in your life. We can work together to develop and implement a financial plan. With a plan in place, you are a step ahead as you continue to accumulate assets during your life.

Retirement Red Zone

If you are nearing retirement, it is said that for some, the best offense is a good defense. This Retirement Red Zone can also be referred to as the Preservation Phase of your Retirement Planning. This is because there is less time to recover from losses. This is also the time frame where your investments require strategy that can provide growth but also factor your tolerance for risk.

Our objectives are to help you understand the purchasing power, or lack thereof, of your accumulated savings and investments. We will help you assess your tolerance for risk. This is important in order to develop a cohesive strategy that factors the amount of time you will continue to earn and addresses the shortages or surpluses of accumulated savings.

Distribution

You’ve worked long, hard, and smart over the course of your lifetime. Work for some was fun but for many others, at times, it was not real fun. Now it’s time to move on to the last stage of our life where we can retire with dignity. Spend quality time with your spouse, enjoy your grandchildren, travel while still young, devote yourself to your passions.

Our job is ensuring that based upon your accumulation of savings, your portfolio of investments will be properly structured to provide you with money now, money soon and money later. This is also known as the Bucket Strategy approach.

Who We Are

What we do is more important than what we say.

We know what’s at stake. We know clients look to us for guidance. We take this responsibility very seriously. We support you with a team of business and tax experts. We act from the heart. We are transparent about your financial strategy and communicate the details in an easy-to-understand manner.

At Lanza Financial, we care about you.

Our mission is to understand and achieve what’s important to you by providing holistic wealth management and tax guidance that will empower you to make better financial decisions.

Recent Articles

5 Financial Crossroads That Could Reshape Your Future

Patrick Lanza |
Categories
Finance
Retirement
Family
Tax Planning
Risk Management
You know how life tends to throw in a few plot twists? They don't ask if you're ready. They just show up—with potential financial consequences tagging along. A layoff. A diagnosis. A parent who needs help. These moments don't come with instruction manuals. But they do come with price tags, deadlines, and decisions that can echo for years. The good news? You don't have to wait until you're standing in the middle of a crossroad...

What 2025 Taught Us About Staying the Course

Patrick Lanza |
Categories
Investments
Finance
Risk Management
Retirement
Some years pass quietly. 2025 wasn't one of them. Between market swings, geopolitical shocks, and a news cycle that never seemed to pause, this year tested patience across the board. And yet, as we close out December, the real story isn't about what the markets did. It's about how we responded. 2025 Market Volatility: A Year in Review Even those who tried to tune out the noise found it crashing through anyway: The Spring Selloff...
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Common Retirement Regrets—And Proactive Moves to Consider

Patrick Lanza |
Categories
Retirement
Finance
Savings
Risk Management
Insurance
Health
Family
Estate Planning
Many people don’t regret being retired. They regret how they got there. 1 “I wish I had saved earlier.” “I didn’t think long-term care would matter.” “I should’ve waited to claim Social Security.” Hindsight hits hard when it’s tied to your potential freedom and options. The good news? There may still be opportunities to make meaningful changes that could benefit your future. Let's break down the most common retirement regrets—and what you can do right...