About Us


Founded in 1969, Luttner Financial Group, Ltd, a Lifetime Financial Growth Company, (LFG) has dedicated its efforts to helping our clients create, maximize, protect and enjoy their wealth. In June 2002, Capital Planners merged with the Luttner. From there, the firm’s growth became exponential. As Luttner re-invested substantially in to the training and development of utilizing this model, other companies and financial service professionals in the tri-state region, including Wilson Advisory Group and Executive Benefits, Cincinnati, OH saw the significant value they could bring to their clients by using the LFG business model, unique processes and technologies. Partnerships and strategic alliances grew into the new organization which collectively has been named Lifetime Financial Growth, LLC. LFG is one of the region’s largest financial services firms with offices in Pennsylvania, Ohio, Kentucky, West Virginia and Indiana.

Clients of LFG have access to the intellectual capital of more than 200 financial representatives with diverse expertise in the protection and accumulation of wealth, investments, executive benefits, employee benefits, business planning and estate planning. Many of our professionals carry advanced degrees and designations including, Juris Doctorate (JD), Master of Business Administration (MBA), Certified Public Accountant (CPA), Chartered Life Underwriter (CLU®), Certified Financial Planner (CFP®), and Certification for Long Term Care (CLTC). With LFG’s team-based approach, our clients benefit from the collective, unique abilities and expertise of our professional advisory force while enjoying the one-on-one service of a much smaller enterprise.

Earl Luttner

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.