Big or small, we're here to support all your business's benefits needs.

Protect their future, starting today with

life insurance.

Feel like you're doing it all? You don’t have to. We're here to help with all your insurance and retirement planning needs.

Ready for retirement? We’ve got you covered.

Large Companies

We create customized group benefits packages that align with your business goals and meet your employees' needs. Our solutions help attract and retain top talent while ensuring cost-effectiveness and financial flexibility for your business.

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Retirement Planning

We’ll help you smoothly transition into Medicare and build a dependable income stream, so you can enjoy the fruits of your labor and embrace retirement with peace of mind.

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Sole Proprietors

Don't Be Afraid to Take a Risk!We’ll help you build a benefits package that rivals the big guys—so you can compete with any market, no matter your size. Whether it’s health insurance, retirement plans, or other perks, we’ve got the tools and expertise to give your business a competitive edge. Let’s make your sole proprietorship stand out!

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Welcome to Luba Financial. We believe that insurance and retirement planning doesn't have to be confusing.

Whether you're just starting to think about retirement or looking to better understand your insurance options, you've come to the right place.Our site offers a wealth of educational materials, articles, newsletters and calculators.

If you still have questions or want to talk through your specific needs, call us anytime.

"Most people don't plan to fail, they fail to plan." - John L. Beckley

Newsletters

Life Insurance for Two

Survivorship life insurance may be a cost-effective coverage solution for older couples or business partners.

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What Is Asset-Based LTCI?

Hybrid long-term care insurance policies, also known as asset-based plans, combine the benefit of a life insurance policy or an annuity with the availability of long-term care benefits.

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Key Retirement and Tax Numbers for 2026

This article provides 2026 contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold amounts.

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Strategies for Smarter Giving

In addition to advancing philanthropic goals, strategic charitable donations may offer tax advantages.

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More Newsletters

Calculators

Car Affordability

How much can you afford to pay for a car?

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employers retirement plan after you turn age 73.

More Calculators