A coordinated financial strategy for a clear retirement
After years of diligent saving, many people step into retirement with a mix of accounts, products, and policies that were never designed to work as a single plan.
At Lovsted Wealth, we help you turn income, tax minimization, investments, healthcare, and legacy into a coordinated strategy so your wealth finally supports the lifestyle you’ve worked so hard for.
Carefully connecting
your financial framework
Income, tax minimization, investments, healthcare, and legacy.
There’s a lot to coordinate in retirement, causing questions like:
“I’ve done a good job saving … but are all these pieces actually working together?”
We help design a plan to bring all your accounts, policies, and decisions under one coordinated strategy.
“My risk level was great for growth, but is it right for retirement?”
We help align your portfolio with your season of life, not the market’s volatility.
“How do I turn my savings into a consistent income I can count on?”
We design a tax-efficient withdrawal strategy that helps turn your savings into reliable income.
“How do I avoid unnecessary tax bills?”
We aim to keep your income, investments, and Roth strategies working together to minimize lifetime taxation.
At Lovsted Wealth, we help bring order and structure to every element of your plan, giving you the direction and confidence you need to spend confidently and live freely.
Financial guidance that works together
Your retirement shouldn’t rely on disconnected accounts or one-off decisions. Each service we provide is designed to help strengthen your overall plan, reduce uncertainty, and give you the confidence that every part of your financial life is working in coordination, not in conflict.
Retirement Income Strategy
Customized retirement blueprints
Investment Management
Disciplined portfolio strategies
Tax-Optimization
Strategic tax minimization planning
Healthcare coordination
Integrated Medicare and long-term care planning
Legacy Planning
Intentional legacy and wealth transfer strategies
Confidence, clarity, and coordination with every step
Discovery:
Clarify what matters most.
We begin by understanding your goals, values, and what financial independence means for you, personally and financially.
Evaluation & Design:
Your entire plan, thoughtfully coordinated.
We review your income, investments, tax minimization strategy, healthcare, legacy plan, and real estate to design a tailored strategy built around your life.
Partnership:
A dedicated relationship built on alignment.
We establish accounts and begin implementation, always acting in your best interest, without product bias or conflicts.
Allocation:
A portfolio built for your season of life.
We design an investment strategy that balances liquidity, protection, and growth to help support your income needs and long-term goals.
Ongoing Guidance:
Proactive support as life—and laws—change.
Through regular reviews, tax updates, and strategic touchpoints, we keep your plan responsive, effective, and always aligned with your goals.
Meet our founder
CJ Lovsted, CFP®, RICP®
Independent. Disciplined. Personal.
CJ Lovsted brings deep retirement-income experience and a genuine commitment to helping clients simplify their finances, align their wealth with their goals, and move confidently into the next chapter of life.
“Retirement shouldn’t feel confusing. It should feel coordinated and built around the season of life you’re entering: the best one yet.”
- cj lovsted, founder of lovsted wealth
Credentials that strengthen every decision
As both a CFP® and RICP®, CJ brings deep financial planning and
retirement-income expertise to help you make confident, well-informed decisions.
CFP® – CERTIFIED FINANCIAL PLANNER™
The CFP® designation represents the highest standard in financial planning. It ensures your advisor has rigorous training in investments, tax efficiency, legacy planning, and ethics, so every recommendation is rooted in technical expertise and a best interest commitment to your financial plan.
RICP® – Retirement Income Certified Professional®
The RICP® focuses exclusively on the complexities of retirement income. From Social Security timing to withdrawal sequencing and tax-efficient distribution strategies, this designation equips CJ with advanced tools to help clients turn savings into reliable, sustainable income.
Insights for a
connected retirement
Understanding how each piece of your retirement puzzle fits together starts with knowledge. Explore our collection of in-depth resources to learn more about your retirement and how to make certain it’s working together.
