Life Cycle Financial Planners
We are a family owned business specializing in the financial services industry, located in Boca Raton, Florida. Our clients live and work all over the world. We help high net worth individuals, families and businesses with succession planning strategies and cutting edge insurance solutions.
Who we are?
We have 25+ years of experience in the insurance industry
Our areas of expertise revolve around life insurance and annuities, since both are are integral planning tools for retirement planning, succession planning and wealth transference. We have developed many special relationships with our clients and it is gratifying to know we have brought important solutions and security to their families.
The work we do and the way we do it has certainly changed over the years. Gone are the days of “cold calling” and knocking on stranger’s doors. Instead, we work with our clients any way that works best for them, from in person meetings to digital communications. As the world has tried to commoditize our products and services, our value has become even more apparent and appreciated. We work best with people who appreciate value and the difference experienced professionals bring to complex planning issues.
Like any profession, hard work, consistency and dedication are what drive success. For our business, success is defined not only by the work we do, but also by the relationships we create and maintain with our clients and their other advisors. Without these relationships, we don’t have a business. We are proud of the testimonials on this site and we are happy to connect you with existing clients.
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Our Team
We help individuals to become their best version
Ted Bernstein
Deborah Bernstein
Great words about us
What some of our existing
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Up To The Minute…
Although financial services, life insurance and retirement planning are issues that often sit on the backburner, there are times when these issues quickly become priority. Some common triggers are having children, marriage, inheriting wealth, change in employment, illness and selling a business. Here, you will find information about a wide variety of issues and relevant topics such as:
Life Insurance
Life insurance is intersectional in a family’s planning as it is part of the income protection plan, the succession plan and the financial plan. Done correctly, you can buy one policy for life.
Retirement Income
The purpose of an IRA is to create future, guaranteed income in retirement. Investing your IRA assets into an income annuity creates the most guaranteed lifetime income, WITHOUT PRINCIPAL RISK.
Succession Planning
Managing money successfully is a long game and it requires long term discipline and strategy. You don’t have to hit home runs all the time to end up ahead
Annuities and Asset Protection
The ultimate plan to secure, protect and safeguard your family and business.