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  Hourly Fee-Only Financial Planning and Advice for "Everyone"
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"The Only Thing We Sell Is Unbiased Advice"



Who We Are
Lifetime Financial Planning, Inc. is an hourly fee-only financial, tax and investment planning and advisory firm serving all of Northern Virginia (VA), Frederick and Montgomery Counties in Maryland (MD), and Metro DC. The Firm's offices are located in Herndon Virginia (VA) (Fairfax County) and Leesburg Virginia (VA) (Loudoun County). Both offices are conveniently located just 3 minutes from the Dulles Toll Road. Saturday appointments are available. Driving Directions

"Our mission is to help our clients solve their financial problems and reach their most important life goals by providing sound, straightforward and unbiased fee-only financial planning and advice."

Lifetime Financial Planning was founded and is managed by Dean Knepper, CPA, CFP® who is a CERTIFIED PUBLIC ACCOUNTANT (CPA), CERTIFIED FINANCIAL PLANNER™ practitioner and a Registered Investment Advisor Representative with over 30 years of experience as a financial advisor.

In a readers poll conducted by Leesburg Today, Dean was recognized as one of the best financial advisors in Loudoun County Virginia. and has been quoted frequently in the national media on investing, retirement planning, taxes, home financing, 401k plans, IRAs, college 529 savings plans and college financial aid.

He is a fee-only financial planner who has advised individuals, business owners and employees on a wide range of financial issues including: taxes, investments, IRA and 401k plans, employee stock options, college financial aid, 529 college savings plans, Coverdell education savings accounts (ESA), retirement planning, employee benefits and insurance.

Dean is a member of The Garrett Planning Network, a nationwide network of like minded fee-only financial planners and financial advisors. Sheryl Garrett a nationally recognized CERTIFIED FINANCIAL PLANNER™ practitioner and Registered Investment Adviser Representative founded the network with a commitment to provide independent, objective fee-only financial planning and investment advice to all consumers, not just the wealthy.

He is also a member of The National Association of Personal Financial Planners (NAPFA), an organization dedicated to providing consumers with comprehensive and objective financial advice on a fee-only basis, keeping only the best interests of the client in mind with neither the advisor nor any related party receiving compensation contingent on the purchase or sale of a financial product.
 
What Makes Us Unique
Lifetime Financial Planning is unique in that the firm offers its services to "everyone" on an as-needed basis for an hourly fee. There are no requirements as to your income, net worth, or the amount of money you have to invest. Since we are compensated only on an hourly fee basis, we are able to provide recommendations that are solely in our clients' best interests.

Unlike most of the national financial service firms, "we do not sell" any proprietary investment or insurance products, which might cloud our objectivity. At Lifetime Financial Planning there are absolutely "no commissions, sales quotas or incentive contests" driving our recommendations.

Many financial advisers provide "fee-based" financial planning, which means they charge a fee for financial advice and also receive commissions on the investment and insurance products they recommend. Lifetime Financial Planning is a "fee-only" Registered Investment Advisory Firm. The only thing our clients pay for is the time required for a financial adviser to evaluate their financial situation and to meet with them to provide specific recommendations.
 
How We Can Help

Hourly fee consultations to solve your financial problems

Financial plans with specific recommendations and detailed implementation instructions to help you to reach your life goals

Fee-only investment advice on mutual funds, bonds, college savings plans and IRAs to help you achieve your college, retirement and other goals

Advice on 401k, 403b, 457 & TSP investments, employee stock options and retirement plan rollovers to maximize employee benefits

Plan setup and advice on one-person 401k plans for owner-only businesses

Retirement planning to enable you to retire comfortably at your desired retirement age.

Tax planning and income tax return preparation to increase your net income

Recommendations on college funding (including section 529 plans and education savings accounts) and college financial aid planning to minimize the cost of college

Fee-only advice on cash management and debt reduction for financial peace of mind

Life, disability and long-term care insurance needs analysis to make sure you and your family are adequately protected

Estate planning to insure that your estate is distributed according to your wishes in an efficient and effective manner
 
Why Do It Now

Procrastination is the greatest obstacle to success. Goals won't do you any good and financial problems won't go away unless you take action. We can help by providing you with easily understood recommendations and specific instructions for implementing a plan, which will enable you to reach your goals and solve your financial problems.

Call us today at (703) 779-0515 or inquire to find out more about how a fee only financial advisor and CPA at Lifetime Financial Planning can help you with your financial, tax and investment needs.

 
Driving Directions to Our Offices

Driving directions from cities in Northern Virginia to meet with a fee-only financial planner, investment advisor and CPA at Lifetime Financial Planning in Herndon or Leesburg Virginia (VA).

Alexandria VA Cascades VA Fairfax Station VA Herndon VA Oak Hill VA Springfield VA
Annandale VA Centreville VA Falls Church VA Leesburg VA Oakton VA Sterling VA
Arlington VA Chantilly VA Gainesville VA Manassas VA Purcellville VA Vienna VA
Ashburn VA Clifton VA Great Falls VA McLean VA Reston VA Warrenton VA
Burke VA Fairfax VA Haymarket VA Middleburg VA South Riding VA Winchester VA
 

Driving directions from cities in Maryland (MD) and Washington DC to meet with a fee-only financial planner, investment adviser and CPA at Lifetime Financial Planning in Herndon or Leesburg Virginia (VA).

Bethesda MD   Frederick MD   Potomac MD Washington DC
 
Frequently Asked Question - NAPFA Membership
 

Are you a member of NAPFA?

Yes, Dean Knepper, CPA, CFP®, and President of Lifetime Financial Planning, Inc., is a member of The National Association of Personal Financial Advisors (NAPFA). For more than 20 years, NAPFA, with more than 2,300 members across the United States, has been promoting a unique way of financial planning for individuals and families. NAPFA's mission is to provide consumers of all income levels with Fee-Only comprehensive, financial advice.

Comprehensive financial planning means that NAPFA members can counsel you about almost any issue-including ones that you had not considered. NAPFA members are trained experts on retirement, saving for college, insurance, estates, taxes, selling your business, and many more financial issues.

Fee-Only financial planning means that NAPFA members are compensated solely by their clients, and do not accept commissions or compensation of any kind based on the products that they recommend. With a NAPFA-Registered Financial Advisor, you are guaranteed complete disclosure of all fees, prior to your engagement. There's no better way to be confident that your advisor is working in your interest, and solely in your interest.

Dean is also a charter member of a national organization of "hourly fee-only" financial planners - The Garrett Planning Network. The rapidly growing group of planners (333 members as of February 2012), provide financial planning services on an as-needed basis for an hourly fee. Members of GPN adhere to NAPFA’s philosophy of providing consumers with comprehensive and objective financial advice on a fee-only basis, keeping only the best interests of the client in mind with neither the advisor nor any related party receiving compensation contingent on the purchase or sale of a financial product.

Dean is also a CERTIFIED FINANCIAL PLANNER professional. CERTIFIED FINANCIAL PLANNERcertificants are individuals who have met CFP Board's education, examination and experience requirements, have agreed to adhere to high standards of ethical conduct and who complete CFP Board's biennial certification requirements, including continuing education, to use the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™.

As of January 31, 2012 there are 64,374 CERTIFIED FINANCIAL PLANNER™ certificants of which, according to the CFP® Survey of Practitioners, 23% or over 14,000 are fee-only.

The Certified Financial Planner Board of Standards, Inc. is a professional regulatory organization based in the United States of America that fosters professional standards in personal financial planning so that the public has access to and benefits from competent and ethical financial planning.

 
Please Read the Regulatory and Consumer Information Below

COMPLIANCE DISCLOSURE:
All written content on this site is for information purposes only. Opinions expressed herein are solely those of Dean E Knepper, President, Lifetime Financial Planning, Inc. or his editorial staff. Material presented is believed to be from reliable sources and we make no representations as to its accuracy or completeness. All information and ideas should be discussed in detail with your individual financial advisor prior to implementation. Fee-only financial planning and investment advisory services are offered through Lifetime Financial Planning, Inc., a registered investment advisory firm in the state of Virginia.

The presence of this web site on the Internet shall in no direct or indirect way be construed or interpreted as a solicitation to sell or offer to sell investment advisory services to any residents of any state other than the state of Virginia or where otherwise legally permitted. We are legally empowered to provide investment advisory services to residents of Virginia and certain other states.

COPYRIGHT NOTICE:
All rights reserved. All material contained herein is copyright protected and may not be reproduced in any manner without the express written permission of the copyright owner. Certain text, articles and logos: ©2000-2012 Garrett Planning Network, Inc., Sheryl Garrett, Principal. "Fee-Only Financial Planning and Advice for Everyday Life"™ Certain photographs: ©2001-2012 Photos To Go. Other text, articles and logos: ©2001-2003 Lifetime Financial Planning, LLC, Dean E Knepper, Managing Member. ©2004-2012 Lifetime Financial Planning, Inc., Dean E Knepper, President.
 
 
 
 

Lifetime Financial Planning, Inc.

Dean Knepper, CPA, CERTIFIED FINANCIAL PLANNER™ professional

13800 Coppermine Road, 3rd Floor, Herndon, Virginia, 20171

208 South King Street, Suite 201, Leesburg, Virginia, 20175

Phone: (703) 779-0515 - Fax: (703) 779-7815 - E-mail: info@lifetimefp.net
 

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