Helping you conquer your retirement.

Our sole purpose is to help our clients arrange their financial affairs in an efficient and effective way; to preserve their capital and obtain risk-adjusted returns consistent with their financial objectives; and, most importantly, provide them with financial freedom.
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Lance Gilman

President / CEO

Lance Gilman is an Investment Adviser Representative with Northern Alliance Financial. Lance’s role is to develop financial strategies designed to address the unique circumstances of his clients. Drawing on an Economics & Business degree from the Virginia Military Institute, a Master of Science (MS) degree, and 20-year career as an officer in the US Army (highly decorated combat Veteran), Lance is committed to educating his clients and providing clear advice and direction regarding: Investment advisory services, 401(k) plan representation – including guidance and roll-overs, Guaranteed lifetime income options, Medicare health planning options, and Social Security filing strategies.
Lance is a national speaker and shares powerful messages during his educational workshops. Topics covered include: Social Security, Asset Preservation & the Federal Retirement System. Additionally, he is a Certified Financial Educator – CFEd® and has completed Certified Financial Planning CFP® coursework through the American College.
Lance is a financial adviser that practices solely in the best interest of his clients. He works with a strong network of elder law and estate planning attorneys and Certified Public Accountants to offer a comprehensive approach to wealth management & financial planning. His ultimate aim is to assist his clients in a fiduciary capacity that results in their financial well-being, proper risk management, and the attainment of their financial goals.
Married for over thirty-two years to his wife April, Lance enjoys sailing, tinkering with antique clocks, playing guitar, and spending time with his two daughters. He is an active member of the Lakeview OPC Community Church and on the Board of Directors of “Slam Diabetes” – a non-profit organization whose mission is to improve the lives of people living with Type 1 Diabetes.

Resources

Tax Tool Calculator

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We recognize the crucial role that strategic tax planning plays in securing your financial future.. By answering a few simple questions, our Tax Tool Calculator can provide a detailed and personalized estimation of your future tax liabilities, helping you plan more effectively for your retirement. 

Risk Assessment Quiz

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Risk tolerance is not a fixed attribute. This quiz is designed to help you better understand your current risk profile and provide actionable insights tailored to your needs.

Estate & Legal Planning Quiz

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Most people believe estate planning is just about creating a will—but it’s much more than that. This quick quiz is designed to help you understand how prepared you really are to preserve your legacy, protect your loved ones, and ensure your wishes are carried out.

Retirement Reality Quiz

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This brief retirement readiness quiz is designed to provide insight into your current preparedness and help you identify opportunities to build greater confidence for the future.

Roth Readiness Quiz

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Retirement isn’t just about how much you’ve saved. It’s about how much you get to keep. This quick quiz will help you understand your Roth readiness, evaluate potential tax considerations, and uncover opportunities to make your retirement savings work more efficiently for your future.

Our Process

Implement Your Personalized Plan

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The primary objective of this phase is to help successfully implement your investment strategy. By means of constant communication and a highly skilled staff, we strive to make this process quick and easy for you.

Analyze Data & Create a Plan

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The primary objective of this stage is to help develop an effective, long-term investment strategy that is custom tailored to the unique needs of each client. We then develop a comprehensive plan that outlines the strategy we recommend to help achieve your goals.

Identify Your Goals & Priorities

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We begin this stage during our initial meeting where we get to know one another. We focus on what your specific needs are and what goals and priorities you have. We complete a comprehensive risk questionnaire, which is essential to understanding your investment mind-set.

Gather Your Data

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We gather any necessary documents, policies and statements. Together with us, you will define your personal and financial goals, including timeframes.

Reviews & Monitor Your Plan

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We monitor our client’s accounts on a regular basis to help ensure they are still performing in a way that meets your intentions. Communication with you is a top priority. We explain and answer questions about our reporting methods, and stay in touch with you to keep you informed. When we discover that your circumstances have changed, or that shifting global markets require a different investing approach, we communicate to you our recommendations for the appropriate adjustments.
Schedule An Appointment

You’ve come so far, but you’ve got some decisions to make.

Contact us today for a complimentary written financial plan.