# Lunin-Pack Financial Group

> Independent, fiduciary financial planning firm helping families within roughly ten years of retirement — or already retired — with tax, spending, and investment planning. Founded by Jesse Lunin-Pack, CFP®. Based in Cold Spring, NY (Hudson Valley); serves clients nationwide.

Advisory services are provided through Lunin-Pack Planning & Advice, LLC, an SEC Registered Investment Adviser. Jesse Lunin-Pack is a CERTIFIED FINANCIAL PLANNER™ professional, a contributing author of the book "Money Talks," was named to the Forbes Best-in-State Financial Security Professionals list (2022), and hosts "The Healthy, Wealthy, and Connected Retirement" podcast. Founder Jesse Lunin-Pack has personally helped families turn decades of saving into decades of living since 2006.

## What we do
- Retirement income and spending strategy using a Risk-Based Guardrails approach (how much can I safely spend?)
- Tax planning — Roth conversions and withdrawal sequencing to reduce lifetime taxes on IRA and 401(k) assets
- Investment management built around the client's spending plan, not just a risk-tolerance questionnaire

## Who we serve
- Investors age 50+, retired or within about ten years of retirement
- Diligent savers with $1 million or more in investable assets
- People who value working with an independent, fiduciary advisor

## Key pages
- [Home](https://www.lunin-pack.com/): firm overview and the three core retirement questions (spending, taxes, investments)
- [Retirement Insight Assessment](https://www.lunin-pack.com/retirement-insight.html): free three-step assessment — tax planning analysis, investment analysis, and a retirement paycheck estimate
- [About](https://www.lunin-pack.com/about.html): team bios — Jesse Lunin-Pack, CFP® (Founder); Elisabeth "Liz" Neuberg, JD (Director of Operations)
- [Blog](https://www.lunin-pack.com/blog.html): plain-English articles on retirement spending, tax planning, and investing
- [Contact](https://www.lunin-pack.com/contact.html): phone, email, office location, and scheduling
- [Form CRS](https://www.lunin-pack.com/form-crs.html): Customer Relationship Summary (required SEC disclosure)
- [Privacy Policy](https://www.lunin-pack.com/privacy-policy.html)

## Blog posts
- [How the Risk-Based Guardrails Approach Works](https://www.lunin-pack.com/blog-risk-based-guardrails.html)
- [What Is Wealth, And What Are We Really Trying to Achieve When We Strive For It?](https://www.lunin-pack.com/blog-what-is-wealth.html)
- [What Is Health? And Why Does It Matter For My Retirement Plans?](https://www.lunin-pack.com/blog-what-is-health.html)
- [Navigating Your Life While Never Losing Sight Of What's Most Important](https://www.lunin-pack.com/blog-navigating-your-life.html)

## Contact
- Phone / text: (845) 265-4300
- Email: jesse@lunin-pack.com
- Office: 292 Main Street, Suite 1, Cold Spring, NY 10516
- Schedule a free Retirement Insight Assessment: https://go.oncehub.com/RetirementInsightAssessment
- Podcast: https://healthywealthyandconnected.blubrry.net/