Our Approach

Five Star Life & Wealth is a boutique financial services agency located in Lexington, KY who promises to change your outlook on retirement. With 2/3 of companies today not offering pensions or retirement plans, it’s no wonder so many Americans are not prepared for retirement. Statistics show 1 in 3 Americans have ZERO saved for retirement and are hoping Social Security will take care of them. While 69% of Americans have less than $1000 for retirement, it is time to get help. Our mission is to serve our clients in all areas of their financial needs including asset protection, tax planning and investments.

At Five Star Life & Wealth, we are “your missing piece” to the Retirement Puzzle. We take a different approach to saving with no contribution limits, no income limits, no participation requirement, and most importantly…..NO restrictions on when you can access your MONEY.

We do all this and more — with NO Market Risk. Our custom plans provide benefits should you become sick, disabled or terminally ill.

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The Five Star Difference

  • Reduce Fees
  • Protect Assets
  • Eliminate Market Risk
  • Minimize Income Taxes
  • Guaranteed Income for Life

Retirement - It's What We Do!

Call us today at 859-317-6848

Asset Protection

We use a few different methods of Asset protection as the concept and strategy for guarding one's wealth. Asset protection is a type of financial planning intended to protect one's assets. While we believe that stock market exposure when you’re nearing retirement age can be too risky, it’s better to convert your assets into safer shelters. Some individuals and business entities use asset protection techniques to limit creditors' access to certain valuable assets while operating within the bounds of debtor-creditor law.

 Retirement Income

Would you rather have a bucket of money or a stream of income for the rest of your life? Most of us would choose the latter. However, many financial advisors focus on asset accumulation. At Five Star Life & Wealth, we focus on distribution. You have worked hard all your life to prepare….you shouldn’t spend your retirement worrying if you will run out of $$$.

Tax Efficiency

Many people have been taught that tax-differed savings plans are the answer for retirement funding. Did it ever occur to you that taxes have never gone down over the years? So you’re deferring ‘paying’ the taxes today because someone told you that taxes in your retirement will be lower…or maybe that you will be making less money in retirement, right?? Let’s assume you expect to maintain your current lifestyle….based on inflation, you will need MORE money in retirement than you need today. Let us show you how to start building for a tax FREE retirement!

Living Benefits

Did you know that most life insurance policies written today have an option for LIVING benefits? That’s right, benefits from your life insurance for YOU while you are still living. Many people have old policies that only contain a DEATH benefit. But yet current statistics show 70% of people over the age of 65 will need some form of Assistance (assisted living, home health, or nursing home care)! Those stats are staggering. If we work all our life to save for our retirement and then we use all our savings to pay for our own care…..then we leave nothing to our surviving loved ones. Ask us how this works, so we can help you before it’s too late.

Your Legacy

“If you know when you have enough, you are wealthy, If you carry your intentions to completion, you are resolute, If you live a long and creative life, you will leave an eternal legacy”  ~ Lao Tzu

This is a personal decision. If you choose to leave a Legacy behind in the form of assets, we can help you do that in the smartest way. It’s one of the most rewarding things you will do in your life. Let us help.

 Lower Fees

Finally fees and expenses of investing are getting a closer look. For years, clients truly didn’t know what their fees were and some don’t even today when more disclosure if required. It seems to always be in the fine print. At Five Star Life & Wealth, we discuss and disclose all fees upfront, so you understand that your money is working as hard for you as you worked to earn it.

We take great pride on driving down your costs. Why? Because when you realize you are paying less, you