Business Details
Your Trusted Partner for Financial Planning Solutions in Memphis
Allegiant Financial Planning was founded to make financial planning accessible without hidden agendas. As a fiduciary, we prioritize client interests through personalized strategies for retirement, wealth management, and risk mitigation. Our approach combines advanced financial tools with transparent communication, ensuring clients understand savings, investments, and estate planning. We collaborate with attorneys and CPAs to create holistic solutions, adapting plans as life evolves. Our founder, a Certified Financial Planner with creative and community-driven values, emphasizes client-centered service and financial clarity. 
Services
Financial Planning
Retirement Planning
Wealth Management
Risk Management
Estate Planning
Highlights and features
- We offer fiduciary financial planning with no hidden agendas.
- Our personalized strategies adapt to life's changing financial needs.
- We use advanced tools for retirement, estate, and investment planning.
- Transparent communication explains complex financial concepts simply.
- Founder actively supports Memphis community initiatives like Spay Memphis.
Associations and certifications
- CFP (Certified Financial Planner)
- CRPS (Chartered Retirement Plans Specialist)
Services
Financial Planning
We create customized financial plans balancing current needs with future security. Our process analyzes income, spending, and goals to build retirement projections. Clients gain confidence through clear strategies for savings, investments, and legacy planning.
Retirement Planning
Our retirement planning designs withdrawal strategies balancing security and flexibility. We evaluate Social Security timing, tax-efficient income sources, and lifestyle needs. Plans adapt to market changes while protecting against longevity risks.
Risk Management
We assess life, disability, and long-term care insurance needs across career and retirement stages. Our approach protects income during working years and preserves savings from unexpected medical costs in retirement.
Wealth Management
Custom investment portfolios align with client values and risk tolerance. We focus on diversified strategies that support financial goals while minimizing emotional decision-making during market volatility.
Estate Planning
We collaborate with legal professionals to create estate plans addressing tax efficiency and asset distribution. Our guidance ensures clients' wishes are documented while maximizing inheritance for beneficiaries.
People
Lauren A. Estes
Founder & Financial Planner
Certified Financial Planner with 15+ years experience. Founder of Allegiant Financial Planning in Memphis. Combines fiduciary expertise with creative problem-solving. Active community board member for Spay Memphis and financial education initiatives.
Questions
What retirement savings rate do you recommend?
We typically suggest 15-20% of income, but customize this based on individual goals, current savings, and retirement timeline.
How do you handle investment risk?
We create diversified portfolios aligned with your risk tolerance, using strategies that balance growth potential with capital preservation.
Do you work with clients outside Tennessee?
Yes, we serve clients in 9 states including California, Florida, and Virginia through virtual consultations and digital planning tools.
What insurance types are most important?
Disability and life insurance protect income during working years, while health and long-term care policies safeguard retirement savings.
How often do you update financial plans?
We recommend annual reviews or whenever major life changes occur to ensure plans remain aligned with evolving circumstances.
