top of page
Professional giving a business presentation in a boardroom

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.

Man working on a laptop in a bright office space

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.

Senior couple holding hands and walking on a sandy beach

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.

Learn More

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.

Learn More

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!

Click Here
Online Shopping in the Tariff Era

Even small online purchases that are shipped from outside the United States must now pass through customs - and are likely to incur duties.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

HOT TOPIC: What Does a Weaker U.S. Dollar Mean for Your Money?

Consumers and investors might want to consider how the depreciating dollar could impact the economy and their own finances.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Strategies for Smarter Giving

In addition to advancing philanthropic goals, strategic charitable donations may offer tax advantages.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

What Is Asset-Based LTCI?

Hybrid long-term care insurance policies, also known as asset-based plans, combine the benefit of a life insurance policy or an annuity with the availability of long-term care benefits.

Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.

Impact of Inflation

Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Retirement Plan Early Distribution

Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

IRA Eligibility

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

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