Who We Serve

Every person, from those just entering the workforce to those planning for retirement, has different financial goals and strategies to achieve them.

The mission of Lehigh Valley Investment Group is to enhance the quality of life for our clients by creating and implementing personal financial plans, investment portfolios and insurance strategies. We help our clients protect and enhance their wealth, empower family values and achieve important life goals.

Because many issues of raising a family, building a business and one’s retirement and estate plans overlap across the disciplines of accounting, finance and law, we believe in a multi-professional approach where we bring together a client’s important advisors to provide a team approach to solving complex problems. We act to serve you in your best interest.

Preparing to Retire

For folks who are age 55 and older, the challenge of retirement planning is real. We specialize in helping clients make this journey with the insights from having helped over 300 other clients retire comfortably already.

We help clients walk through the process

What’s the critical mass of capital you need to have before you can confidently make the decision to retire? How much money do you need? We answer the question: what’s your number. We help clients walk through the process of knowing before they make the retirement decision.

Investment vehicles

What investments should you have in retirement? What new ideas do you need to know about when it comes to taking money out of your accounts? We help clients make the transition from amassing wealth during their working years to protecting their wealth in their retirement years.

Retirement income solutions

With the leading edge of the Baby Boomers beginning to retire, a whole generation of clients will need to understand and implement retirement income strategies. The principal question will be: which lives longer, you or your money?

Social Security and Medicare

what are the benefits, how do they work and what impact do they have on your well-being in retirement? When does it make sense to take your Social Security benefits?

Estate Planning

How do you want your assets to be distributed when you no longer need them or are here to enjoy them? Should you consider Long Term Care insurance? What estate documents do I need to carry out my wishes? These are the areas we address with each client – including consultations with your attorney to make sure your plan is implemented.

Starting Off in a New Career

For young workers and those entering the workforce, there are several important financial areas that should be understood. We’ll help identify those factors and get you on track so you can make the most of your new income. We do over 100 new financial plans every year with new prospective clients.

Understanding Debt

Many new workers are carrying some form of personal debt. From education loans to personal credit cards, managing your debt properly is the first step to achieving financial independence. We help you structure payment plans, refinance where appropriate and understand creative ways to use debt to your advantage.

Handling a sign-on bonus

In the current environment of a tight labor market, certain professions are commanding sign on bonuses. If you are the fortunate recipient of such a windfall, these unexpected funds can help launch you on a more productive financial path. We can help you design a plan to pay off debt, sure up your savings and start an investment strategy.

Making benefit decisions

Employers are offering a staggering array of benefit choices these days. We help you sift through your options and assist you in picking the right combination of insurance coverages and retirement benefit plans.

Making an improved budget

Now that you have more income, you also have more responsibilities: rent, a mortgage, insurances, taxes, etc. We help you re-think where your money is going and craft a budget that serves your needs. Our job is to make sure you’re being financially responsible while also making sure you have plenty of money available for rewarding yourself.

Those working in their mid-careers:

Financial planning for 35-50 year-olds can be complicated. You’re buying homes, starting and growing families, working on your career or business and you may even be helping an older family member handle health issues. There’s a lot going on! For the person on the go, we offer flexible scheduling and convenient methods to discuss your situation. We help figure out college costs, make sense of employee benefits, coordinate financial plans and give you back some of the valuable time you need to just take a breather.

    1. How much should we be saving? You have lots of things to think about in the future. How much will college cost, what should I put in my retirement plan or how much will that wedding be? We can help you calculate and save for each important financial goal in your future.

 

    1. It’s benefit time: what selections should I make? Employer plans are getting more and more complex and with that, you may have a slew of options to pick from. We can help you walk through and evaluate the important choices you have to make each year.

 

    1. What kind of insurance should I have? One of the most neglected areas of planning is a review of the various insurances you have. And, the ones you don’t have, that you should. Our analysis tools can help you save on insurance costs and put your money to work in the right places, so you protect what you’ve built.

 

  1. IRA or not? Whether you have a retirement plan at work or not, all workers are eligible to contribute to an IRA. But which kind? A Traditional? A Roth? We help evaluate all your retirement plan options including 401Ks and 403Bs to make sure you are maximizing your benefits and tax advantages.

Healthcare workers

Throughout our 30 years planning with people in the Lehigh Valley and beyond, we have helped over 200 professionals in the healthcare industry including doctors, nurses, administrators and PAs. The every day stress and strain of a career in healthcare has its challenges. Whether you are negotiating a practice sale or a sign on bonus, we are intimately familiar with the financial challenges and dilemmas that face you. We specialize in working with both the St. Luke’s and the Lehigh Valley Hospital Networks, so we can help with benefit selection, retirement plan choices and everything in between.

    1. When it’s benefit time, we can help you choose the right mix of benefits and plans. Employer plans are getting more and more complex and with that, you may have a slew of options to pick from. We can help you walk through your specific choices and pick a menu of benefits that are right for you and your family.

 

    1. Understanding Debt – Becoming a healthcare worker is hard work. And, getting properly trained can be expensive! From education loans to personal credit cards, managing your debt properly is the first step to achieving financial independence. We help you structure payment plans, refinance where appropriate and understand creative ways to use debt to your advantage.

 

    1. Protecting assets and income from taxation – The good news is that, as a health care worker, your wages tend to be higher than the average worker’s. The bad news is that you are more likely to be paying higher income taxes because of it. Properly structuring your salary and benefits package can help save on taxes each year, and a sound investment strategy can help shelter the gains you make from being taxed as well.

 

  1. What kind of insurance should I have? One of the most neglected areas of planning is a review of the various insurances you have. And, the ones you don’t have, that you should. Our analysis tools can help you save on insurance costs and put your money to work in the right places so you protect what you’ve built. From medical malpractice to disability coverage, many clients have benefited from a regular review of their insurance coverages.

Time to focus on you

Contact us to start building your individualized package based on your unique financial needs.