Our Portfolio of Services


Portfolio of Services

Personal Planning Services

Education Funding Strategies
Wealth Conservation
Wealth Maximization Strategies
The Living Balance Sheet®


Investment Planning –
Through Park Avenue Securities LLC (PAS)*

Asset Management Services*
Investment Advisory Services
Full Service Brokerage Capabilities:
Stocks, Bonds, Mutual Funds, Options, Variable Annuities


Retirement Planning

Personal Retirement Planning Design & Services
Tax Sheltered Annuities
Retirement Income and Distribution Strategies
Coordination of Employer and Personal Retirement


Risk Management

Life Insurance
Disability Income Insurance**
Long Term Care Insurance**
Health Insurance
Personal Property/Casualty Protection
Retirement Contribution Protection


Estate Planning

Estate Tax Planning
Trust Planning Services
Business Succession Planning
Legacy Planning
Special Needs Planning for Your Estate


Charitable and Philanthropic Planning

Legacy Planning
Charitable Gifts - Tax Treatment

Corporate Services

Business & Estate Planning
Buy-Sell Funding
Business Continuation
Succession Planning
Exit Planning
Key Person Protection
Business Overhead Expense Protection
Business Loan Protection
Salary Continuation Alternatives
Commercial Property/Casualty Protection
Business Retirement Plan Design & Services

Employee Benefits
Group Medical Insurance
Group Life Insurance
Group Disability Income Insurance
Group Dental Insurance
Cafeteria Plans
401(k) Plans
Qualified Pension/Profit Sharing Plans

Executive Compensation
Deferred Compensation
Executive Bonus Plans
Defined Benefit Plans
Long Term Care Insurance
Split Dollar Plans

Employer – Provided Retirement Plans
401(k) Plans
Profit Sharing Plans
Defined Benefit Plans
Fully Insured 412(e)(3) Plans (formerly 412(i) Plans)

We coordinate with your attorney on legal matters, your CPA on tax strategies, your Banker or Loan Officer on banking matters and your Property/Casualty Agent on Property coverage issues; or we can recommend these professionals if you need one.
The Representatives of Lifetime Financial Growth are not licensed to sell investments in all 50 states. To find out if a Representative is licensed in your state, please contact Cheri McElroy at 412-391-6700.

Securities products and services are offered through Park Avenue Securities LLC (PAS) 244 Boulevard of the Allies, Pittsburgh PA 15222 1.412.391.6700. PAS is an indirect wholly-owned stock subsidiary of Guardian. Neither Lifetime Financial Growth, LLC. nor Luttner Financial Group Ltd. are affiliates or subsidiaries of PAS or Guardian.


PAS is a member FINRA, SIPC.


The Information on this site is intended for the residents of Pennsylvania, Ohio, West Virginia, and Maryland. The financial representatives of Lifetime Financial Growth are not licensed to sell securities in all 50 states. To find out if an agent is licensed in your state, please contact Cheri McElroy at 412-391-6700.


We are licensed to sell Insurance in the following states: Pennsylvania,Indiana, West Virginia and Ohio.


Guardian, its subsidiaries, agents or employees do not give tax or legal advice.

The Living Balance Sheet® and the Living Balance Sheet® Logo are registered service marks of The Guardian Life Insurance Company of America (Guardian), New York, NY. The graphics and text used herein are the exclusive property of Guardian and protected under U.S. and International copyright laws. © Copyright 2005-2012, The Guardian Life Insurance Company of America


Guardian does not offer Property & Casualty and Individual Health nor do we provide services for them. Disability income and long term care insurance underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Product provisions and features may vary by state.


Important Consumer Information: A broker-dealer "BD", investment advisor "IA", a BD agent, or IA Representative may only transact business in a state if first registered in the state, or is excluded or exempt from registration in that state as a broker-dealer, investment advisor, BD agent, or IA Representative, as appropriate. Follow-up individualized responses to persons in a state by such a firm or individual that involves either affecting or attempting to affect transactions in securities, or the rendering of personalized investment advice for compensation will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker-dealer, investment advisor, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.


This Internet site may contain general information about various investment products. The information or opinions contained in this Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitation of an offer to buy any particular investment product. Such information is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall only be conducted by a representative that is registered in the state where the consumer and/or prospective client reside.