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

Mother gently holding a sleeping newborn baby.

Protect their future, starting today with
life insurance.

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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.

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Ready for retirement? We’ve got you covered.

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

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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Unpacking the Real Limitations on Unlimited PTO

The prospect of unlimited paid time off may be appealing, but there are also some potential pitfalls to consider.

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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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Closed-End Funds May Offer Higher Income

Closed-end funds are considered to carry higher risk but may provide a higher income stream than traditional mutual funds holding similar securities.

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Tips to Help Preserve Your Inheritance

It’s important for heirs to consider how a windfall might be used to strengthen their finances now and over the long term.

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Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Disability Income Insurance

How much Disability Income Insurance do you need?

Savings Goals

How much do you need to save each year to meet your long-term financial goals?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

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Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck