Why this work
I lived longevity risk for twelve years, caring for my wife's grandmother. That's not a textbook to me. It's why I do this the way I do. Curtis Mullins, Founder of L3 Wealth Planning
Life · Longevity · Legacy
Planning for a long life, and a good one.
Comprehensive, values-driven financial planning built on genuine relationships: helping families navigate longevity and pass on both wealth and wisdom.
The Approach
Good planning isn't about beating a benchmark. It's about understanding the person behind the money , and making sure you're prepared not just for retirement, but for living well, for as long as you live.
The L3 Framework
Three questions every plan should answer.
The name says it: Life, Longevity, and Legacy. It's the lens I bring to every decision we make together.
01 · Life
Live the life you have.
What do you actually want your money to do for you, now and in the years you're healthiest? We start there.
02 · Longevity
Plan for the years you can't predict.
Health, long-term care, and a lifespan that may stretch past 90. We build a plan that holds up either way.
03 · Legacy
Pass on more than money.
Wealth, yes, but also the values and wishes behind it, handed down without confusion or conflict.
What I focus on
Six ways the approach shows up in your plan.
Values-Driven Planning
We start with the life you want to live, then build the strategy around it. Investments are tools, not the point.
Longevity Risk
Planning honestly for 90+ lifespans and long-term care, so your money never runs out before you do.
Psychology of Money
Naming the emotions and patterns behind money decisions, so paralysis turns into clear, confident action.
Tax-Efficient Strategy
Roth moves, income sequencing, and smart allocation across tax buckets: the technical work that makes a plan last.
Multi-Generational Wealth
Legacy and estate planning across generations, so what you built isn't lost to taxes, care costs, or conflict.
Everything in One Place
Planning, tax, and estate decisions coordinated together, not scattered across providers who never talk.
Who I work best with
You might recognize yourself here.
Every plan is personal, but these are the people who tend to feel most at home working with me.
Ages 55–65
The Pre-Retiree in the Window
You've saved $500K–$1M+ and know retirement is close, but the plan doesn't feel real yet. You want a trusted advisor, not a product pitch.
Saved well, spends carefully
The Reluctant Spender
You did everything right, and now you can't bring yourself to enjoy it. You need permission, and a plan, to live the life you built.
Has been there
The Family Caregiver
You've felt what it costs to care for an aging parent or spouse. You want to be sure your own family never faces what you did.
Let's talk about the long game.
A straightforward conversation about retirement, long-term care, and legacy. No pressure, no jargon.
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