Financial Planning for Folks over 50
Reduce Taxes · Invest Wisely · Retire Secure
Under Age Fifty?
Your Guide in a Changing World
The La Crosse Financial Planning Difference
LaxFP is not owned by or affiliated with any insurance company, bank, or broker-dealer. We create plans and give advice in your best interest, with no sales quotas or commissions. The way it should be.
The Certified Financial Planner™ designation is the Gold Standard for comprehensive financial planning. We also have an Enrolled Agent with the IRS, making him the only local CFP® who can also give tax advice.
Focused on 50+
We work specifically with people over age 50. All our time is spent serving this unique set of needs. Comprehensive retirement planning is what we do. With 30+ years ahead as planners, we are the last advisors you’ll ever need.
We never earn commissions or sell products. We are NAPFA Registered Advisors, the highest standard for fee-only fiduciary work, and a member of the Fee-Only Network. Our transparent fees make it easy to know what you’re paying.
Financial Planning Can Change Your Life
Without Planning You May…
Get Hammered in Taxes
Tax preparation only looks backward at how to reduce taxes from last year. Without tax planning, you could pay hundreds of thousands of dollars in taxes over your retirement.
With Planning You Could…
Save in Lifetime Taxes
Keep more of your money by planning how to reduce taxes not just this year, but over your lifetime. We’ll pay every dime in taxes we owe, but let’s not leave a tip.
Lose Money in the Market
Everything changes when you start taking money OUT of retirement accounts instead of putting it IN. Without a plan, a temporary decline may become a permanent loss.
You only lose money when you sell low. By having a plan in place for when not if downturns occur, you can avoid permanent losses and preserve your money.
Run Out of Income
Will your retirement income survive 2-3 DECADES of rising costs? Without planning, your income may not keep up when the cost of everything you want and need to buy doubles or triples.
Create Lasting Income
With a Plan for 3D Retirement Income, your income will last longer than you, rise faster that the cost of living, and flex with your variable expenses.
How Do We Start?
We’ll meet to discuss your situation, your goals, and what you hope to accomplish. You can ask us questions and decide whether you could see working with us. Bring as much or as little information as you want to this first meeting.
Before you hire us, you’ll want to know if we can improve your situation. If the Discovery Meeting was comfortable for you, we’ll gather your data (statements, tax returns, etc.). We’ll sift through it so we know exactly what we’ll be able to do for you.
We’ll meet again, still with no cost or obligation, and we will share some strategies that will improve your specific situation, even if you don’t work with us. We’ll also quote you a fee, and you’ll leave knowing what you will get and what it will cost by working with us.
Sleep On It
Rushed decisions are bad decisions. If you are trusting us with your retirement, we want you to be confident in it. We insist that you sleep on it before deciding to hire us. Then you can let us know if you’d like to move forward and get the rest of your plan.
What do We Get?
Over 2-3 meetings, we’ll teach you, in plain English, about what you have and strategies to make it better. Even clients with limited prior financial knowledge will finally understand and be confident in their retirement.
Using eMoney, we’ll show you where you might be before and after we make changes to the strategy. Seeing the long-term impacts of today’s actions will help us to make better decisions and successfully retire.
We’ll deliver a 1-page action plan summarizing everything we need to do. No 120-page binder of boring charts and graphs. Just simple statements to help you reduce taxes, invest wisely, and retire secure.
Help Getting it Done
With a plan in hand, you may also choose to engage us to help you get it all done. From managing investments to preparing taxes, to even completing estate documents, we’ll help you go from “should” to “did.”
Not Sure if You Need Planning?
New Book Available Now!
3D RETIREMENT INCOME
Creating a Retirement Income that Outpaces Inflation, Outlives You, and Outperforms Others
3D Retirement Income will teach you how to turn your Nest Egg into an income to Retire Successfully and Stay Successfully Retired.
Need More Info?
Financial Planning for the
XY Financial Planning, a division of La Crosse Financial Planning, is a Fee-Only Fiduciary Financial Planning Firm enabling Dual Income Families to Win with Money and Enjoy Life. Under age 50 and a dual income family?