I built the practice I always wanted to run.

Most people spend decades building something worth protecting. Two questions almost always go unasked until it's too late: how long does this money need to last, and what happens to it when you're gone? I started L3 to answer both, long before they become a crisis.

I didn't arrive at this focus through a textbook. For twelve years, my wife and I cared for her grandmother through a long journey with dementia. I assumed she had a couple of years left; she lived another twelve, on roughly $1,500 a month. That gave me something no credential can replicate: a real understanding of what it costs, financially and emotionally, when someone lives far longer than anyone planned for.

My planning goes beyond investment management. I use honest, deep-discovery conversations to find the goals beneath the goals. Sometimes that means telling a client she doesn't need a bigger portfolio, she needs permission to stop and go enjoy her grandchildren. That's what planning is supposed to do.

I believe in being fully transparent. I encourage every prospective client to review my background on FINRA's BrokerCheck . That kind of openness is the foundation of a relationship worth having.

The welcoming presence behind every impression.

Michele brings warmth, care, and a lifelong dedication to people to her role at L3. For more than 25 years she built a career as a dental assistant, a profession that, much like financial advising, is as much about human connection as technical skill.

Now she brings those same qualities to L3. As Client Experience Coordinator, she makes sure clients feel known, appreciated, and well cared for at every touchpoint, handling client communications, coordinating events and appreciation initiatives, and working alongside Curtis so no detail falls through the cracks.

Michele's grandmother's journey with dementia sits at the heart of L3's mission, and shapes the empathy the whole practice brings to longevity planning.