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Stone Tower

Financial Planning

Financial Planning:

  • Comprehensive financial planning

  • Retirement planning

  • Education planning

  • Estate planning

  • Cash flow management

Investment Management:

  • Portfolio analysis and management

  • Asset allocation

  • Investment strategy development

  • Investment advisory services

Retirement Planning:

  • 401(k) and IRA

  • Retirement income planning

  • Social Security optimization

  • Pension analysis

Tax Planning:

  • Tax-efficient investment strategies

  • Tax-loss harvesting

  • Tax-deferred investment options

  • Tax planning for major life events

Insurance Planning:

  • Life insurance analysis and recommendations

  • Long-term care insurance

  • Disability insurance

  • Health insurance planning

Estate Planning:*

  • Will and trust reviews

  • Estate tax planning

  • Wealth transfer strategies

  • Charitable giving strategies

Education Planning:

  • 529 college savings plans

  • Education cost projections

  • Financial aid planning

Risk Management:

  • Risk assessment and mitigation strategies

  • Emergency fund planning

  • Asset management strategies

*Lotus Financial Partners does not offer legal advice. Consult an estate attorney regarding your individual situation.

We believe in a 5 step process when developing and implementing a financial plan. Scroll down to learn more...

De-Construction Analysis

Analyze & Identify Gaps

We will closely evaluate your financial information subject to the scope of the engagement to identify gaps.  We will look at where you are, where you want to go and how we can help you reach your financial goals.

Advance Planning Meeting

Engage Professional Network

At this point, we have made some changes to your financial life.  We will answer any questions you may have so that you understand exactly what is happening with your money and how it relates to reaching your financial goals.


We will also begin working on advanced planning issues (estate and legacy planning, wealth transfer, family protection) and engaging our Professional Network of Advisors.

Discovery Meeting

Listen & Organize

During this meeting we inform the client about the financial planning process and the services we provide. The goal of this meeting is to develop a true understanding of who you are as a person, establish your financial goals and identify your financial challenges. 

Wealth Strategy Meeting

Formalize & Implement

The Gap Analysis: We will present our findings regarding your current situation; our wealth strategy recommendations for how we can bridge the gaps in order to reach your goals, and define how we will manage your retirement and investment accounts.  These tools will form the foundation for all of our work together.

At this point, we will be ready to make a mutual decision about whether Lotus Financial Partners can add substantial value to your situation and if we should proceed. If we both choose to work together, then we will commit to each other to work toward achieving everything that is important to you.

Summary Check Up Meeting

Assess & Monitor

After your Wealth Strategy Plan has been executed, we will meet again to summarize everything we have discussed and implemented. We will set up online account access and make any final adjustments as needed.  We will also review your overall progress toward your long-term financial goals. 

We want to make sure that we always have the most up-to-date understanding of your personal situation. Therefore, our periodic financial checkups will ensure that when your life changes, your wealth strategy evolves with it.​

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