Business Details
18 Years
experience
Your Trusted Partner for Comprehensive Financial Planning Solutions
ProActive Advisors is a fee-only fiduciary firm specializing in wealth management, financial planning, and investment advisory services. With decades of experience, we provide personalized strategies for individuals, families, and business owners, integrating tax planning, estate planning, and risk management. Our Virtual Family Office model coordinates legal and tax professionals to optimize after-tax outcomes.Founded by a Morningstar-recognized fund manager, we employ an adapted Total Return methodology to compound interest, dividends, and capital gains while prioritizing client interests. Our services include retirement planning, 401(k) management, and special needs planning, delivered through a fiduciary framework emphasizing transparency, accountability, and cost-effectiveness.
Services
Wealth Management
Financial Planning
Tax Planning
Retirement Planning
Estate Planning
Investment Management
401(k) Management
Special Needs Planning
Business Consulting
Charitable Giving Strategies
Details
- Year established: 2008
Highlights and features
- We offer decades of experience in fiduciary financial advisory services.
- Our integrated wealth management approach combines tax, legal, and investment expertise.
- We operate as principals, not agents, prioritizing client interests over product sales.
- Our Virtual Family Office model optimizes after-tax outcomes with curated specialists.
- We guarantee transparent fee structures with no hidden costs or commissions.
What people say
Informative newsletters
Attractive services during market conditions
Convincing investment performance
Personalized retirement strategies
Tax-efficient approaches
Services
Wealth Management
Our wealth management solutions combine financial planning with active investment management to grow and protect client assets. We use an adapted Total Return methodology that compounds interest, dividends, and capital gains while managing market risks. Clients benefit from personalized portfolio strategies aligned with their financial goals and risk tolerance.
Retirement Planning
We develop customized retirement plans that address income needs, tax efficiency, and longevity risks. Our services include Social Security optimization, Roth conversions, and portfolio evaluations to ensure sustainable retirement income. We focus on tax mitigation strategies and risk-adjusted investment approaches tailored to pre-retirees and retirees.
Tax Planning
Our tax planning services identify opportunities to reduce tax liabilities through strategic investment decisions and coordination with tax professionals. We analyze clients' financial situations to implement tax-efficient strategies, including tax-loss harvesting and retirement account optimization, while ensuring compliance with evolving tax regulations.
Estate Planning
We coordinate legal and financial strategies to preserve wealth for future generations. Our estate planning services include wills, trusts, and healthcare directives, implemented through a collaborative approach with top attorneys. We ensure clients' wishes are legally protected while minimizing estate taxes and administrative burdens.
Business Consulting
We help business owners optimize financial strategies through tax planning, retirement plan design, and asset protection. Our services address succession planning, employee retirement benefits, and business growth strategies. We provide fiduciary guidance to align business objectives with owners' personal financial goals.
People
Lawrence York
Founder, Chief Investment Officer
With over 30 years in finance, Lawrence developed the 360Portfolios methodology and managed a Morningstar-recognized technology fund. He holds a Series 65 license and an MBA from the University of Kentucky's Gatton College.
John York
Investment Advisor Representative
John provides investment research and client service, leveraging his CFP candidate status and Series 65 license. He graduated from the University of Kentucky with degrees in Business and Political Science.
Kristie Medley
Marketing Director
Kristie leads marketing strategy with an MBA in Marketing from Eastern Kentucky University. She manages client communications and operational support for small businesses in the Lexington area.
Questions
What makes ProActive Advisors different from other financial firms?
We operate as fee-only fiduciaries with no product commissions, using an integrated approach that combines investment management, tax planning, and legal coordination through our Virtual Family Office model.
Do you specialize in working with specific client types?
We focus on retirees, pre-retirees, and business owners who require comprehensive financial planning and tax-efficient investment strategies tailored to their unique circumstances.
How are your investment management fees structured?
Our asset-based fees range from 0.50% to 1.25% annually, depending on account complexity, with transparent pricing and no hidden costs or transaction fees.
What retirement planning services do you offer?
We provide retirement income projections, Social Security optimization, Roth conversions, portfolio evaluations, and tax mitigation strategies through our Retirement Maintenance Plan and On-Track Financial Plan engagements.
How do you handle tax planning for clients?
We identify tax-saving opportunities through investment strategies like tax-loss harvesting and coordinate with third-party specialists to implement customized tax-efficient solutions aligned with financial goals.
Can you help with business owner financial planning?
Yes, we assist with retirement plan design, tax strategies, and business succession planning, integrating these elements with owners' personal financial objectives through our fiduciary advisory framework.
