Ken

/Ken Sutherland

About Ken Sutherland

Ken been in the financial industry for over 25 years. He obtained his Chartered Life Underwriter (CLU) designation in 1994 and his Chartered Financial Consultant (ChFC) designation in 2004, both from The American College in Byrn Mawr, Pennsylvania. Ken has an undergraduate degree in Business from the University of Oregon and a Masters of Divinity from Luther Theological Seminary. In 2003, Ken founded LifePlan and has continued to develop his personal approach to financial planning as an investment advisor.

The Sandwich Generation

When we are working with a new client we spend a significant amount of time becoming acquainted with their goals and circumstances.    Of course we discuss their retirement dreams but also their estate preferences. This conversation usually includes some brief conversation about their children, their marriages, financial stability and ability to handle money.   Then, more [...]

By | April 18th, 2016|Uncategorized|

fi-du-ci-ar-y

LifePlan Investment Advisors, INC provides our clients with the following regulatory documents: Our Privacy Policy Code of Ethics; and ADV Part 2 (State Advisory Registration Form) These documents are first provided to a client when they initially engage our planning service. They are also provided annually to all ongoing investment advisory clients. Why do we [...]

By | March 30th, 2016|Uncategorized|

Filling in Bubbles Won’t Always Lead to a Fulfilling Retirement

Yes, there are essential questions you need to ask yourself before you retire. But taking an online quiz with stock questions and answers may not be the best way to help you make this important decision. Therefore, instead of calculating your score and placing you in a category with run-of-the-mill recommendations, we delve deep to [...]

By | February 25th, 2016|Uncategorized|

Think Down the Road Before Allowing LTC Lapse

Many of today’s retirees had the foresight to purchase a long-term care insurance policy back when premiums were affordable. Unfortunately, a number of retirees and pre-retirees let their policies lapse. Why? For the same reason they need the benefits — because of some form of cognitive impairment. In one study, researchers tracked Americans ages 65 [...]

By | January 28th, 2016|Uncategorized|

Remember: Getting To The Summit Is Only Half Way

Last month my article was titled “Preparing for the Highs and Lows!”  I didn’t have an inside scoop on how volatile the market would be since then – with large gains and losses in the same week!  However after sixty plus months of strong growth should anyone be surprised if the market has some corrections? [...]

By | October 23rd, 2014|Uncategorized|

Social Security: We Have Good News And Bad News

Ok, so what do you want to hear first, the good news, or the bad news? Perhaps you are already anticipating what that news is:  Social Security still exists - but it isn't fully funded for much longer. You may have heard the projection that after 2033 benefits would not be fully paid. Sounds like [...]

By | August 22nd, 2013|Uncategorized|

Retirement Income: The Key To Happiness!

Wouldn't winning the lottery be an awesome way to begin retirement! Hmmm, maybe not so much. We often hear about lottery winners, professional athletes, and entertainers who win or make a lot of money quickly, burning through it and becoming broke! Interestingly, I have not found that those with the largest pile of money at [...]

By | June 3rd, 2013|Uncategorized|