Carolyn Lloyd-Cohen LLC

Financial Planning

Protecting the long-term financial future of business owners like you is our first priority at Carolyn Lloyd-Cohen LLC. We can help you avoid the costly pitfalls that commonly occur when your time, attention and energy are almost entirely focused on running your business. For example, not spending enough time planning for the day when you might want to be doing something else, reinvesting all of your hard-earned profits back into the business, investing too little in different “buckets” of money that you just might need if the future doesn’t turn out exactly as planned.

We can help you tackle these types of issues, as we develop a comprehensive financial plan based on your unique circumstances, personal values, lifestyle choices, goals and aspirations. The planning process addresses not only your objectives but also the challenges that might get in the way of you achieving them. These may include a variety of “what-if” concerns such as unforeseen risk and exposure, legislative changes, potential lawsuits, economic changes, management inefficiencies or a major question like: “What will happen to my business if I am no longer here or want to retire?”

Together, we will design a roadmap that will help you balance the demands of your business and the needs of your personal life, renew your confidence in the future, and restore your peace of mind.

We can address all aspects of traditional as well as more sophisticated financial services such as:

  • •  Investment Consulting Services and Asset Management, including specialized advisory services
  • •  Insurance Analysis and Wealth Preservation Techniques
  • •  Estate Planning and Asset Protection
  • •  Retirement Strategies for both wealth accumulation and distribution

The first step is discovering your goals, values, ideas, hopes and vision for the future.


Our services begin with an in-depth Discovery Process designed to identify and prioritize both short-term and long-term objectives, uncover obstacles that could block your progress, and pinpoint issues of greatest concern. Our professionals will meet with you and your life partner to determine if you are both on the same page. And if not, we will help you find middle ground. A series of fact-finding discussions and personal meetings will bring greater clarity to your current situation, your future aspirations and your readiness to achieve them. Through this shared exploration, we will develop a realistic framework for all subsequent planning, help you make wise choices, and ensure that all decisions and strategies are consistent with your goals and values.

Investment Consulting Services and Asset Management

Our clients’ portfolios are designed to address their specific income objectives, growth versus liquidity requirements, risk tolerance and tax concerns, as well as personal values and attitudes toward wealth. Because we understand both bull and bear markets and the opportunities they present, we can implement strategies to help you navigate volatile markets, without losing sight of your overall financial objectives.

Our capabilities are strengthened by an affiliation with Kestra Investment Services, LLC (Kestra IS), a registered broker-dealer, whose professionals provide the first layer in our multilayer due diligence process. Kestra IS also offers immediate access to leading edge investment analysis tools and technologies, a broad range of "best in class" products, and a wide choice of innovative investment strategies.

Estate Planning, Gift Tax and Charitable Giving

The first step in estate planning is a realistic determination of your financial needs now and during your lifetime. We help you clarify your financial goals and wealth philosophy, as you develop your own personal definition of financial independence. With that established, we can begin planning for a range of wealth-transfer solutions, matching your assets to strategies specifically designed to minimize estate taxes.*

For those who are charitably minded, defining financial independence can help pinpoint the appropriate time and the best strategy for asset donations so that benefits may be optimized. That is all part of estate planning at Carolyn Lloyd-Cohen LLC, but we don’t stop with plan development. By working closely with your estate attorney, we will not only help ensure timely follow-through and execution, but also help safeguard the financial independence you have so carefully defined.

Insurance Analysis and Wealth Preservation Techniques

Insurance coverage—such as life, disability, or long-term care—can protect your assets from untimely liquidation and help preserve your wealth. Insurance can provide liquidity for family income or the wherewithal to pay off estate taxes or bank loans. Adding trusts, where appropriate, can preserve assets for generations to come.

Life insurance should be considered one of your asset classes. It is not a commodity, but a sophisticated financial planning tool. Choices depend on a myriad of objectives and considerations depending upon the purpose of the insurance: Are you covering a loan, meeting a short or long-term need, replacing potential income loss, building cash for retirement, or setting up an inheritance for future generations? Product design is also critical, and the magnitude of options can be staggering: Do you need temporary or permanent coverage, do you want to pay more now and less later, do you want the underlying investments in the policy tied to the stock market, an index, or in a fixed investment?

Dealing with issues like these is a core competency of Carolyn Lloyd-Cohen LLC. We understand life insurance and the importance of its coordination within your estate plan. Because we are not affiliated with any one carrier, we have the independence to conduct impartial in force policy review and benefit analysis to determine whether your current coverage is consistent with your current risk tolerance and objectives. If not, we can help offer a solution.

As a member of PartnersFinancial, a national independent financial services organization owned by more than 200 member firms, we have preferred access to the industry’s leading carriers. We are positioned to achieve the most competitive underwriting results possible, and we can provide the resources for specialized products and sophisticated strategies.

Kestra Investment Services, LLC and Kestra Advisory Services, LLC do not provide tax or legal advice. Any decisions whether to implement these ideas should be made by the client in consultation with professional financial, tax, and legal counsel.