Are you prepared for the road ahead? Let's Talk Retirement

We’re here to help you feel confident in your financial future.

Brenda Tinning

★★★★★

3 months ago

I’m so thankful my husband and I were referred to Sound Planning Group by a family member two years ago, and we’ve been working with Loren Downs ever since. Loren has been extremely knowledgeable (and patient!) regarding all of our financial decisions and questions, and also very personable and enjoyable to work with. He listens well and tailors his suggestions to our risk tolerance and tries to make sure we understand the pros and cons of every decision we make. And we have been very satisfied with the results. We have found him to be very honest as well—working in our best interest even at the cost of his own. For example, though he will definitely caution us about making what he considers a mistake, he has at times also encouraged us to loosen up a bit and take money out of accounts he manages (less commission for him) to more fully enjoy our retirement rather than worrying excessively about having enough. He has made a great plan for us and we really feel we can leave the worry to him which is a huge blessing. Whenever we have questions (and we can have a LOT of questions when we’re…

Paul Blair

★★★★★

3 months ago

We’ve been using Sound Planning Group for the past nine years for their financial advice and services. They are definitely a top-of-the-line company! We’ve had personal interactions from the front office to the CEO. Everyone, and I mean everyone, has been friendly, helpful, and makes you feel welcome and that what you have to say really matters. Their listening skills are outstanding. And… our portfolio keeps on growing. My wife and I highly recommend them!

Teri Low-McGavin

★★★★★

3 months ago

I would highly recommend Sound Planning Group for your retirement planning needs. We have been so pleased with everyone that has guided us in the process of our retirement planning. From our initial inquiries, to opening our IRA's, 401K rollovers, transitioning to Medicare and now applying for social security, everyone has been wonderful. They treat you like they value you as a customer and "family member". Thanks especially to Loren, Victoria and Gretchen for their guidance and patience! Keep up the excellent work!

Pete L

★★★★★

2 months ago

We have found everyone at Sound Planning Group to be knowledgeable, friendly and great to work with. Loren Downs is our advisor, he takes the time to listen to our goals and talk through options. The SPG team does quarterly meetings that provide us with detailed insight as to what is happening in the the financial markets and what may happen or what to look for. We have found these to be very beneficial.

Denney Apfel

★★★★★

5 months ago

I had been with Fidelity my entire working life, and always assumed that was the best option. That changed after I attended a retirement seminar, where my conversation with Sound Planning Group (SPG) began. From our first meeting, it was clear they were different—they listened to me. Imagine that! I met with CJ Lovsted, and he has been absolutely amazing to work with. He put together a comprehensive financial plan that truly reflected my needs and goals. Just to compare, I called Fidelity and told them I was thinking of leaving. They said they could do the same thing, so I gave them a chance—but what they delivered didn’t even come close to what CJ and SPG had done. With CJ and the team at SPG, I didn’t just get an advisor—I got a team of experts who actively monitor my financial future and are always there when I need them. They’re responsive, proactive, and incredibly knowledgeable. The results have been outstanding. I recommend CJ Lovsted and Sound Planning Group to everyone I know. My only regret is not doing this sooner.

For full disclosures on each review, please navigate to our Google Reviews page. The reviews shown on this page are randomly selected, are not based on any criteria, and are updated every hour. The reviewer may or may not be a current client of SPG and has not been compensated for this review. No material conflicts of interest exist with this reviewer to the best of our knowledge. This testimonial may not be representative of the experience of other clients, and no guarantee of future performance or success is implied. Investing involves risk, including the potential loss of principal. Past performance does not guarantee future results. This review has been published with the reviewer’s consent for marketing purposes.

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The 7-Step Retirement Roadmap:

At Sound Planning Group, we have a 7-step process for building a financial strategy that gives you a firm foundation for pursuing your goals.

The 7 steps of the Roadmap are:

1. Income Planning
Our goal is to help maximize income sources like Social Security so that your lifestyle can be funded with reliability and predictability for the rest of your life.
2. Investment Planning
We’ll talk risk tolerance, portfolio fees (and how we may be able to reduce them), and volatility control through our proprietary CPR (Cash, Protection, Risk) planning process and focused money management approach.
3. Tax Planning
The passing of TCJA has created the single greatest opportunity in our lifetime to reduce or eliminate taxes in retirement. We’ll look at the taxable nature of your current assets and potential ways to include tax-deferred or tax-free money in your financial plan.
4. Health Care & Long-Term Planning
We’ll look at Medicare Parts A, B, C and D, and how to pay for care that insurance doesn’t cover in order to address rising health care costs and that best fit your needs.
5. Real Estate
Whether you’re looking at downsizing, what to do about a mortgage, or you have highly appreciated rental property that you are not sure whether to hold or sell, we’ll work with you on strategies that are intentionally designed to seek to maximize your investment(s).
6. Family
Together with qualified professionals, we’ll help create a plan with legal documents designed to make sure that your hard-earned assets go to your beneficiaries in the most tax-efficient manner.
7. C.A.R.E.
C.A.R.E stands for Client Asset Review Evaluation. Give yourself peace of mind knowing that you have a clearly written, sound retirement plan in place, that will give you control and help you navigate your future.