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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.

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.

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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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Surprise! It’s Retirement Time

Considering some important issues now could provide more options in the event of early retirement.

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Life Insurance for Two

Survivorship life insurance may be a cost-effective coverage solution for older couples or business partners.

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Key Tax Law Changes to Higher Education Coming Soon

The One Big Beautiful Bill Act includes many provisions that affect higher education.

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Tax-Deferred Savings

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

Savings Goals

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

Estate Taxes

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

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

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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