In 2000, after advising mostly affluent clients for twenty-two years, Dean founded Lifetime Financial Planning, a firm dedicated to offering its services to "everyone" on an as needed basis for an hourly fee. His goal was to make a real difference in peoples' lives by helping them solve their financial problems and reach their life goals.

To facilitate his ability to reach and help people from all walks of life and income levels, Dean joined The Garrett Planning Network (GPN), a nationwide network of like-minded, "hourly fee-only" financial planners and financial advisors. Sheryl Garrett a nationally recognized CERTIFIED FINANCIAL PLANNER™ practitioner founded the network with a commitment to provide independent, objective fee-only financial advice to all consumers, not just the wealthy.

Tax Planning
Dean uses his twenty-two years of experience as a CPA and his knowledge of the tax code to formulate financial planning strategies that reduce and defer tax liabilities to maximize net earned income and after tax investment returns.

Investment Advice
Based on a thorough understanding of the client's financial objectives, risk tolerance and investment time horizon; Dean helps them build a diversified portfolio centered around the use of low cost and tax efficient stock index mutual funds. Dean's investment philosophy is based on extensive academic research, which has shown that trying to beat the stock market is a "loser's game". Numerous studies have shown that attempting to select successful (consistent market beating) active investment managers and mutual funds is virtually impossible and prohibitively expensive. It is Dean’s belief that a well-diversified portfolio containing index funds offers the investor the highest probability of reaching their financial goals.

College Funding
There are many different strategies to consider when planning for college costs. Many involve understanding and maximizing the benefits of the college financial aid system. Others involve tax efficient long-term saving or ways to generate more after-tax dollars, such as 529 College Savings Plans and Education Savings Accounts (ESA). Dean's knowledge of the tax code, the college financial aid system and investment planning enables his clients to make the most efficient use of these funding options.

Retirement Planning
Prior experience as a qualified retirement plan administrator and his knowledge of retirement plan tax law (including IRA and 401k plans) enables Dean to develop a plan to help his clients maximize their benefits during retirement.

Employee Stock Options
Optimization of this valuable benefit requires a thorough understanding of the complicated employee stock option tax rules and the ability to effectively incorporate these employee stock options into the client's overall investment plan. As a CPA and investment adviser with experience in employee stock option taxation, including the alternative minimum tax (AMT), Dean is able to provide this specialized service.

Employee Benefits
Twelve years of experience as a corporate benefits manager has provided Dean with the expertise to help clients take full advantage of their employee benefits.

Cash Management
Dean helps clients obtain financial peace of mind by developing a plan to increase savings and reduce debt.

Hourly Fee Only | Financial Planning | Investment Advice | College Savings Plans | College Financial Aid |
Tax Planning & Prep | Planner Profile | Media - LFP in the News | Financial Advice Column |
Links to Financial Info | Meeting Questionnaire | Driving Directions | Contact Us | Home |

©2001-2003 Lifetime Financial Planning, LLC, ©2004 Lifetime Financial Planning, Inc. All Rights Reserved