Big or small, we're here to support all your business's benefits needs.

Protect their future, starting today with

life insurance.

Feel like you're doing it all? You don’t have to. We're here to help with all your insurance and retirement planning needs.

Ready for retirement? We’ve got you covered.

Large Companies

We create customized group benefits packages that align with your business goals and meet your employees' needs. Our solutions help attract and retain top talent while ensuring cost-effectiveness and financial flexibility for your business.

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Retirement Planning

We’ll help you smoothly transition into Medicare and build a dependable income stream, so you can enjoy the fruits of your labor and embrace retirement with peace of mind.

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Sole Proprietors

Don't Be Afraid to Take a Risk!We’ll help you build a benefits package that rivals the big guys—so you can compete with any market, no matter your size. Whether it’s health insurance, retirement plans, or other perks, we’ve got the tools and expertise to give your business a competitive edge. Let’s make your sole proprietorship stand out!

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Welcome to Luba Financial. We believe that insurance and retirement planning doesn't have to be confusing.

Whether you're just starting to think about retirement or looking to better understand your insurance options, you've come to the right place.Our site offers a wealth of educational materials, articles, newsletters and calculators.

If you still have questions or want to talk through your specific needs, call us anytime.

"Most people don't plan to fail, they fail to plan." - John L. Beckley

Newsletters

Balancing Life in the Sandwich Generation

The day-to-day demands of supporting multiple generations can take a toll, but planning and support might help achieve a workable balance.

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Strategies for Taking RMDs

This article provides an overview of rules, options, and strategies for taking required minimum distributions (RMDs).

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Separately Managed Accounts: Tax-Efficiency and Tailored for You

With SMAs, investors have the flexibility to fine-tune their asset allocations for their own unique circumstances and better manage their tax liability.

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HOT TOPIC: AI Expectations Underpin the Economic Outlook for 2026

This article discusses economic forecasts for 2026 and the trends that are influencing them, including surging AI investment.

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Calculators

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Lease Payment

How much would your monthly lease payment be?

Disability Income Insurance

How much Disability Income Insurance do you need?

More Calculators