How We Work
At LTCI Consulting, we support clients in two meaningful ways:
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Directly with families and business owners, guiding them through clear, integrated financial planning.
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In partnership with other professionals, providing trusted support and specialized expertise for their clients.
1.
Direct Client Services
Our fee-based financial planning programs are designed to meet clients where they are; from foundational guidance to complex, multi-layered strategies. Every engagement includes ongoing structure, review, and support to ensure lasting results.
Using our LTCI Approach — Learn, Tailor, Create, Implement — we bring clarity, confidence, and alignment to every area of your financial life.
Our Process
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Learn: We begin by understanding what truly matters — your family, goals, and values — not just the numbers.
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Tailor: We outline your options clearly, empowering you to make confident choices with insight and understanding.
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Create: We develop a personalized plan addressing immediate needs, short-term priorities, and long-term goals, with tax-efficient strategies built in.
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Implement: We bring your plan to life through defined action steps, accountability, and measurable progress reviews year after year.
A dedicated financial coach helps you stay on track financially — so you can live confidently, knowing your decisions are supported by a clear and evolving plan.
2.
Professional Partnerships & Referral Services
We also collaborate with financial advisors, accountants, and legal professionals who wish to integrate planning and risk management expertise into their client service.
When a client is referred to LTCI by a professional partner, our role is to complement their existing plan, not replace it. The referring advisor remains the lead relationship and directs us to the specific area(s) requiring review; whether that’s insurance analysis, cash-flow optimization, retirement projections, or corporate planning.
We provide targeted review and recommendations only within the scope defined by the referring advisor. Our findings are then shared with the partner to integrate into their broader client plan.
This approach ensures:
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Complete transparency and alignment with the referring advisor’s objectives.
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Continuity for the client — a seamless, unified experience.
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The highest standard of professionalism, confidentiality, and respect for each client relationship.
At LTCI Consulting, collaboration is at the heart of what we do. Whether working directly with clients or supporting other professionals, our mission remains the same — to bring clarity, confidence, and care to every financial decision.