Life Cycle Financial Planners Team

Ted Bernstein
Owner

Ted Bernstein is the founder and Chief Executive Officer of Life Cycle Financial Planners, LLC, a family business located in Boca Raton, Florida.  He is responsible for providing the vision and strategic direction of the company and overseeing decisions regarding the organization’s direction. Ted has been a consistent innovator in the insurance industry for nearly 30 years. Inspired by innovation and consumerism, he was responsible for introducing life insurance without commissions to the U.S. life insurance industry. His contributions to the industry are diverse, including the development of new products for carriers. Ted was first to provide fee based policy audit services for Trust Owned Life Insurance to fiduciaries such as The Northern Trust. He has been a leader in the distribution of collateral based premium financing solutions for high net worth individuals, families and businesses.

Having represented several leading U.S. life insurance companies throughout his career, Ted introduced the installment payout option to life insurance buyers, helping them create guaranteed income payments to protect their beneficiaries and drastically reducing the cost of premiums. With an intuitive sense of the issues and problems facing jumbo buyers of life insurance, he is uniquely qualified to assist those clients with their significant and complex insurance needs.

As a featured columnist, Ted has been published in The National Underwriter, Best’s Review and Broker’s World as a commentator on issues facing the industry.  He has also been featured in business publications such as The Wall Street Journal, Fortune, Forbes and Inc. Magazine.  Ted exhibits a sense of commitment to the pressing issues facing the life insurance industry by staying involved with industry organizations.

Ted has served on many boards and executive committees to support community and social organizations. As a Trustee member of the Boca Raton Chamber of Commerce, he stays connected to the issues facing fellow business leaders. Ted attended Northwestern University and the University of Wisconsin/Madison, and now resides in South Florida with his wife, Deborah Bernstein.

Deborah Bernstein
Sales and Marketing

As co-founder of Life Cycle Planners, Deborah brings 15 years of sales and marketing experience with Fortune 100 companies.  Her sales expertise helps support the company’s in nearly every way. As a former Director of Sales for Hilton and Marriott Hotels, she is able to call on and implement many of the necessary processes and procedures that help us create the best client experience possible. Working with owners of women owned businesses and single women in retirement, Deborah is passionate about helping women create a secure retirement through guaranteed income strategies.

Focusing on public relations and business development, Deborah helps Life Cycle Financial Planners contribute to the local community of South Florida.  Working with civic and charitable organizations, Deborah helps the company form strategic partnerships.  She is a respected activist in her community. A mother to four children, Deborah stays involved. In various capacities, she has been of service to the Bernstein Family Foundation, local Jewish Federations, the Cystic Fibrosis Foundation, the American Cancer Society, the Humane Society and the Jewish Guild for the Blind.

Deborah has excelled in local and national pageants for more than 20 years and she is currently competing for Mrs. USA, 2017. As both a state and national pageant winner, she is committed to helping women of all ages live their best possible lives. Now, an accomplished author, Deborah wrote and published ‘Stylish Stella’s Magic Crown’, a children’s book that won the esteemed “Mom’s Choice Award, 2013″.

Deborah asks that you visit her social sites. They can be found at www.DeborahBernstein.com – www.facebook.com/queendeborah and www.stylishstella.com

Eric Bernstein
Sales

Eric focuses on generating new opportunities for the firm. He specializes in assessing clients’ current goals and provides objective advice and direction about how to best protect and grow their assets. To his clients, Eric is a trusted advisor who offers innovative strategies and customized solutions that fit each client’s unique needs.

Eric started his career in financial services after receiving his Bachelor of Science Degree in Finance from Florida State University in 2011. Growing up around his family business, Eric has the utmost appreciation of the dedication and commitment it takes to operate a small and personal business. He is proud to bring his own modern perspective to LCFP and is excited to see his understanding and consultative approach benefit his growing clientele.

Eric is passionate about helping people understand the importance of proper financial planning, knowing the value of insurance-based solutions, and properly managing their wealth.  He is strives to learn more from those around him and through meaningful conversations with his clients about their financial situations and desires. When Eric is not working, he is a dedicated sports fan, mediocre golfer, and an enthusiast of travel and cooking.

Matthew Logan
Sales

In addition to business development and new client acquisition, Matt oversees underwriting at Life Cycle Financial Planners. He is especially interested in creating awareness about the company in the professional community. Matthew is a passionate and service oriented advisor, specializing in family businesses. Matthew entered the insurance industry after attaining two Bachelor Degrees from Florida Atlantic University. As a native South Floridian, Matthew has been involved in the Palm Beach County community for the past several decades. Working in the family business for the past several years, Matthew is well qualified to advise and assist business owners and high net worth individuals and their families.

Matthew enjoys traveling and spending time with his family, friends and his dog, Marley. His hobbies include construction, nearly anything recreational and outdoors. His mission is to provide his clients with the most competitive and innovative products the market has to offer. “My son Matt is a natural life insurance professional. He and Eric are working hard to use technology to reach more clients about the value of guaranteed income annuities and life insurance” – Ted Bernstein