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Dean Knepper CPA, CERTIFIED FINANCIAL PLANNER™ practitioner

Dean Knepper, CPA, CFP® is
the founding principal of Lifetime Financial Planning, Inc., a
fee only financial, tax and investment planning and advisory firm serving Northern Virginia, Maryland, and DC.

Areas of Specialization
"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."

In the News

 
Qualifications

Dean Knepper is a CERTIFIED PUBLIC ACCOUNTANT (CPA) and a CERTIFIED FINANCIAL PLANNER™ practitioner. Less than two percent of CPAs in the United States hold both of these highly regarded certifications.

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.

Dean is a graduate of Bowling Green State University and the College for Financial Planning CFP® Professional Education Program. He is a member of the American Institute of Certified Public Accountants (AICPA), the Virginia Society of Certified Public Accountants (VSCPA) the Financial Planning Association (FPA) and the National Financial Aid Practitioners Alliance.

Dean has "over 30 years of experience" as a financial advisor. 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 & 401k plans, employee stock options, college financial aid, 529 college savings plans, Coverdell education savings accounts (ESA), retirement planning, employee benefits, and insurance.

 
The Garrett Planning Network

In 2000, after advising mostly affluent clients for twenty-two years, Dean founded Lifetime Financial Planning, a firm dedicated to offering its services to "everyone" on an as needed basis for an hourly fee. His goal was to make a real difference in peoples' lives by helping them solve their financial problems and reach their life goals.

To facilitate his ability to reach and help people from all walks of life and income levels, Dean joined The Garrett Planning Network (GPN), a nationwide network of like-minded, "hourly fee-only" financial planners and financial advisors. Sheryl Garrett a nationally recognized CERTIFIED FINANCIAL PLANNER™ practitioner founded the network with a commitment to provide independent, objective fee-only financial advice to all consumers, not just the wealthy.

 
In the News
Dean and his unique practice model have been featured on two occasions in The Washington Post. He has been quoted in Money, Bloomberg Personal Finance, Time, U.S. News & World Report, The Wall Street Journal, Financial Planning Magazine, The Journal of Accountancy, The Washington Post, MSNBC News, Practical Accountant Magazine, Child Magazine, The Christian Science Monitor, and TheStreet.com on investing, retirement planning, taxes, home financing, 401k plans, IRAs, college 529 savings plans and college financial aid. He is also quoted in Sheryl Garrett's book - Garrett's Guide to Financial Planning. His firm and website "www.lifetimefp.net" were sited as resources for retirement planning in an article for The Washington Post Magazine titled "Coming To Grips With The "R" Word". Please visit our Media Page for details.
 
Areas of Specialization

Tax Planning
Dean uses his thirty years of experience as a CPA and his knowledge of the tax code to formulate financial planning strategies that reduce and defer tax liabilities to maximize net earned income and after tax investment returns.

Investment Advice
Based on a thorough understanding of the client's financial objectives, risk tolerance and investment time horizon; Dean helps them build a diversified portfolio centered around the use of low cost and tax efficient stock index mutual funds. Dean's investment philosophy is based on extensive academic research, which has shown that trying to beat the stock market is a "loser's game". Numerous studies have shown that attempting to select successful (consistent market beating) active investment managers and mutual funds is virtually impossible and prohibitively expensive. It is Dean’s belief that a well-diversified portfolio containing index funds offers the investor the highest probability of reaching their financial goals.

College Funding
There are many different strategies to consider when planning for college costs. Many involve understanding and maximizing the benefits of the college financial aid system. Others involve tax efficient long-term saving or ways to generate more after-tax dollars, such as 529 College Savings Plans and Education Savings Accounts (ESA). Dean's knowledge of the tax code, the college financial aid system and investment planning enables his clients to make the most efficient use of these funding options.

Retirement Planning
Prior experience as a qualified retirement plan administrator and his knowledge of retirement plan tax law (including IRA and 401k plans) enables Dean to develop a plan to help his clients maximize their benefits during retirement.

Employee Stock Options
Optimization of this valuable benefit requires a thorough understanding of the complicated employee stock option tax rules and the ability to effectively incorporate these employee stock options into the client's overall investment plan. As a CPA and investment adviser with experience in employee stock option taxation, including the alternative minimum tax (AMT), Dean is able to provide this specialized service.

Employee Benefits
Twelve years of experience as a corporate benefits manager has provided Dean with the expertise to help clients take full advantage of their employee benefits.

Cash Management
Dean helps clients obtain financial peace of mind by developing a plan to increase savings and reduce debt.

 
 
 
 

The Garrett Planning Network (GarrettPlanningNetwork.com)
 
 

Lifetime Financial Planning, Inc.

Dean Knepper, CPA, CERTIFIED FINANCIAL PLANNER™ professional

2201 Cooperative Way, Suite 600, 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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