Business Details
19 Years
experience
Your Trusted Partner for Comprehensive Financial Planning Solutions
At SIP Financial Services, we specialize in comprehensive financial planning and investment management tailored to individual client needs. Founded in 2007, our firm operates as a fiduciary, prioritizing clients' best interests through fee-only advisory services without product commissions. We offer personalized strategies for retirement planning, estate preservation, tax optimization, and risk management, emphasizing transparency and long-term relationships.Our approach combines sophisticated investment analysis with customized solutions, ensuring clients maintain financial independence while navigating life's evolving challenges. With a focus on education and accessibility, we empower clients to make informed decisions about their financial futures.
Services
Retirement Planning
Investment Management
Estate Planning
Insurance Planning
Tax Planning
Financial Education
Details
- Year established: 2007
Highlights and features
- We act as fiduciaries with a fee-only structure ensuring unbiased advice
- Personalized financial plans evolve with clients' changing life circumstances
- Comprehensive services cover retirement, estate, tax, and investment planning
- Founder established practice in 2007 with independent advisory model
- Free initial consultations with no obligation for all prospective clients
Services
Retirement Planning
We develop personalized retirement income strategies transitioning savings into sustainable distributions. Our approach considers taxable/tax-deferred options, 401(k) rollovers, and long-term income needs. Services include prioritizing savings vehicles, creating withdrawal timelines, and adapting plans to changing life circumstances while maintaining portfolio growth potential.
Investment Management
Our investment approach focuses on risk-adjusted returns after taxes, inflation, and fees. We provide customized asset allocation across traditional and alternative investments with regular performance reporting. Services include portfolio rebalancing, tax-efficient harvesting, and benchmarking against client-specific goals and risk tolerance levels.
Estate Planning
We help preserve and distribute assets according to client objectives through comprehensive estate strategies. Services include wills, trusts, power of attorney documents, and beneficiary designations. Our approach considers individual circumstances like family dynamics, charitable intentions, and tax implications for both small and substantial estates.
Tax Planning
We implement year-round tax strategies to maximize after-tax returns. Services include income deferral opportunities, family income shifting, deduction timing, and investment tax planning. We coordinate with CPAs to ensure compliance while optimizing tax efficiency across all financial planning components.
Insurance Planning
We evaluate life insurance needs for income replacement, estate taxes, and final expenses. Services include comparing term vs. permanent policies, assessing coverage amounts, and ensuring affordability based on client age and health. Our recommendations focus on protecting dependents and maintaining financial stability through unexpected events.
People
Lanny Rosenbaum
Founder
Lanny established SIP Financial Services in 2007 to provide independent fiduciary advice. With decades of experience in financial planning, he specializes in retirement strategies and investment management while maintaining a client-centered approach focused on long-term relationships.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, investment management, estate planning, insurance analysis, tax optimization, and financial education tailored to individual client needs.
Are you legally required to act in my best interest?
Yes, as a fiduciary firm, we have a legal obligation to prioritize client interests above all else in our recommendations and investment management activities.
How does retirement income planning work?
We develop sustainable withdrawal strategies considering your current assets, future needs, and tax implications. The process includes analyzing taxable/tax-deferred accounts and creating distribution timelines.
What makes your firm different from other advisors?
We operate as fee-only fiduciaries with no product commissions, ensuring completely unbiased advice. Our focus remains on long-term relationships rather than transactional interactions.
How are investment fees structured?
We charge transparent management fees based on assets under management with no hidden costs or product commissions, ensuring complete pricing clarity.
Can I schedule a consultation before committing?
Yes, we offer free initial consultations with no obligation to help determine if our services align with your financial planning needs.
