How We Work
At LTCI Consulting, we support clients in two meaningful ways:
​
-
Directly with families and business owners, guiding them through clear, integrated financial planning.
​
-
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
-
Learn: We begin by understanding what truly matters — your family, goals, and values — not just the numbers.
​
-
Tailor: We outline your options clearly, empowering you to make confident choices with insight and understanding.
​
-
Create: We develop a personalized plan addressing immediate needs, short-term priorities, and long-term goals, with tax-efficient strategies built in.
​
-
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:
​
-
Complete transparency and alignment with the referring advisor’s objectives.
-
Continuity for the client — a seamless, unified experience.
-
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.