The retirement planning team at LMT is confident we create  value for each and every client not only monetarily, but also through  with peace of mind that they clearly understand how their accounts  work.  We pride ourselves on building relationships that last a  lifetime, at LMT we meet with our client’s on an annual or semi annual  basis to update and review every policy.  Our client’s understand the  complexity of their annuity policies and life insurance policies, and  since we never charge consulting fee’s, our client’s can walk in our  door as often as they want.  The road to retirement can be extremely  long if you don’t have someone leading the way.

Fee Based Investment Advisor Services

401K Rollovers

Did you leave behind your 401K plan when you left your last job?  At  LMT, we are dedicated to making sure your money is working for you.   Americans work hard for their money and so often when someone changes  jobs, they leave their old 401K’s behind.  Unfortunately, these accounts  may become stagnant and  you may no longer have control of your money,   but more importantly your money is no longer working for you. Usually  it is simply because client’s don’t know how to move it into a more  profitable account, or they just don’t know their options and tax  liabilities.  At LMT our professional’s utilize our experience to  customize each recommendation to the client’s specific needs.  We  analyze clients' individual needs and goals in order to personalize  their portfolio to them.  


Many professionals spend the bulk of their careers focusing on the  accumulation stages of their clients retirement funds, neglecting the  equally important preservation and distribution phase.  When planning  for your retirement it is important that you ask an expert to help guide  you through the many hurdles and decisions that need to be made.  At  LMT, our team of experts focus on the preservation and distribution  phase of your retirement funds, ensuring that your dollar will go as far  as possible and make sure you do not miss any of your RMD’s (required  minimum distribution).  Staying compliant with the IRS is an important  factor in your retirement plan and we’ll make sure you know the rules.   We work closely with all of our clients and develop life-long  relationships with each family we help.  The products we recommend are  the same one’s we recommend to our own family and friends. 


Outliving your income is one of the primary concerns many Americans  are facing today.  With the increase of technology and the advancements  in medication, the average life span is continuously increasing.  If you  are nearing retirement or already retired, and want to alleviate the  stress of not knowing if you will have enough money to last you a  lifetime; an annuity may be the answer for you.  There are different  types of annuities so dependent upon your stage in life is in accordance  with which type is best for you.  Regardless of whether you are still saving for  retirement or already receiving income, a specialist at LMT Insurance  Services can always recommend a safe and secure savings program that  will outpace inflation and provide you with an income you can NEVER  outlive.