Individuals and Families
Build a foundation for the people and goals that matter most, including family protection, college planning, accumulation and legacy considerations.
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Education First. Strategy Second.
Financial strategies built around real life.
Helping individuals, families and business owners understand their options, protect what matters and build personalized strategies for the future.
No pressure. Clear explanations. A strategy shaped around your priorities.
Retirement
Protection
College Planning
Business Strategies
Legacy
- Education Before Recommendations
- Personalized Strategy
- Clear Costs and Tradeoffs
- Continued Client Support
Our Philosophy
We simplify the complex and put your priorities first.
Too many financial conversations begin with a recommendation. We begin with questions about your goals, concerns, timeline and current strategy.
Our role is to help you understand your options, the potential benefits, the limitations and the tradeoffs. You should know not only what you are considering, but why it may or may not fit your life.
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Education First
We explain concepts in plain language so you can make an informed decision with confidence.
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Transparent
We walk you through how strategies work, what the tradeoffs are, and what to expect before you move forward.
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Personalized
Your strategy should reflect your goals, budget, time horizon, family and business needs.
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Relationship Driven
Our work does not end after implementation. We remain available as life and priorities change.
Who We Help
Different stages of life require different conversations.
Verity Group LV supports clients across a wide range of ages, goals and financial situations. Start with the path that best reflects what you are working toward.
Pre-Retirees and Retirees
Review retirement assets, income goals, market exposure, fees, future taxes and legacy priorities through a clear and educational process.
Explore the ERFT ApproachBusiness Owners and Executives
Explore strategies for executive benefits, key person protection, succession, retention and business continuity.
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What We Offer
Strategies for protection, accumulation and the future.
Recommendations are based on client needs and suitability. No single strategy is appropriate for everyone.
Family Protection and Income Planning
Protection strategies designed to help replace income, support loved ones, address final expenses and strengthen a broader financial plan.
Retirement and Income Strategies
Personalized approaches designed to support accumulation, retirement income needs, protection from certain risks and long-term financial confidence.
College Planning
Strategies that help families prepare for education expenses while balancing protection, retirement and other long-term priorities.
Business and Executive Strategies
Solutions for business continuity, executive benefits, employee retention and succession planning, structured around the company and the people it depends on.
Tax-Advantaged Strategy Education
Explore financial strategies that may provide tax advantages when properly structured, while coordinating with your qualified tax and legal professionals.
Legacy and Wealth Transfer
Strategies designed to help protect loved ones, create liquidity and support the financial legacy you want to leave.
Featured Specialty
The ERFT approach for clients preparing for retirement.
ERFT is shorthand for Eliminating Risk, Fees and Taxes. In practice, it is an educational framework used to examine what may reduce the value or efficiency of retirement savings over time, including market risk, ongoing fees and future taxes.
This educational review is especially valuable for clients in their mid-40s and beyond who want to get ahead of retirement before the decisions get harder to reverse. If you have a 401(k), 403(b), TSP, IRA, pension or other retirement assets and want to better understand how those pieces work together, this is a good place to start.
ERFT refers to an educational process focused on identifying and helping reduce exposure where appropriate. It is not a guarantee that all risk, fees or taxes can be eliminated.
Risk
Understand how much of your retirement may be exposed to market loss and whether that exposure fits your timeline and comfort level.
Fees
Review the costs associated with your current financial strategy and how those costs may affect long-term outcomes.
Taxes
Explore how future tax exposure and required distributions may influence retirement income and legacy goals.
How It Works
A clear process, from first conversation to ongoing support.
Discover
We learn what prompted you to reach out, what matters most and what questions need answers.
Review
We review the relevant financial information, goals, time horizon and areas of concern.
Educate
We explain potential strategies, product features, limitations, costs and tradeoffs in plain language.
Support
If you choose to move forward, we assist with implementation and remain available as needs change.
Meet Wendy
Financial conversations should leave you informed, not pressured.
Wendy helps individuals and families make sense of financial concepts that can often feel complicated or overwhelming. Her approach centers on listening first, educating clearly and helping clients evaluate solutions in the context of their real goals.
As the founder of Verity Group LV, Wendy also supports a team of agents who serve clients across different life stages, from foundational family protection and college planning to advanced retirement and business strategies.
Wendy's Specialty
Wendy specializes in working with clients in their mid-40s and beyond who want to get ahead of retirement before the decisions get harder to reverse. Her focus is helping them better understand their potential exposure to retirement risk, fees and future taxes through the ERFT approach.
Free Educational Resource
Download the Checklist
Not ready to schedule? Start with the retirement risk, fee and tax checklist.
Use this downloadable guide to organize your questions and identify areas you may want to review before your next retirement conversation.
Frequently Asked Questions
What clients often want to know before getting started.
No. The first conversation is designed to understand why you reached out, what concerns you have and whether our educational process may be helpful. Recommendations come only after we understand the relevant facts and goals.
No. ERFT is a featured specialty for many clients approaching retirement, but Verity Group LV agents also help younger individuals, families and business owners with protection, college planning, accumulation, executive benefits and legacy strategies.
No decision is assumed before the review. The goal is to help you understand your current position, available options and important tradeoffs. Any recommendation should be based on your needs, objectives, time horizon and suitability.
No. Our agents work with clients at different income levels, budgets and stages of life. That can include foundational protection for a young family, education planning, retirement preparation or more advanced business and legacy strategies.
Verity Group LV does not provide legal or tax advice. Clients should consult qualified legal and tax professionals regarding their individual circumstances. Your agent will explain the capacity in which they are acting and provide any licensing, product and entity disclosures that apply.
Depending on the conversation, helpful documents may include retirement account statements, pension information, Social Security estimates, current insurance documents, business benefit information and a list of your questions or concerns.
Start the Conversation
You do not need to have everything figured out before you reach out.
Begin with a no-pressure conversation about your goals, questions and priorities. We will help you determine the most useful next step.