Retire Your Way.Dream It.Plan It. Live It.
Meet Lenz — your AI financial guardian who sees everything, reads the fine print, and is never blindsided.
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What We Do
Comprehensive Retirement Services
We're independent, so we can help you develop a custom financial strategy from a wide array of products, services, and approaches — no matter how close you are to retirement.
IRA Legacy Planning
Preserve and transfer your wealth to the next generation with tax-efficient IRA strategies.
Tax-Efficient Strategies
Minimize your tax burden in retirement through smart Roth conversions and income planning.
Wealth Management
Comprehensive investment management tailored to your risk tolerance and retirement timeline.
Retirement Income
Design a reliable income stream that lasts as long as you do — guaranteed and invested.
Asset Protection
Safeguard your savings from market volatility, inflation, and unexpected healthcare costs.
IRA/401(k) Rollovers
Seamlessly move your workplace retirement funds into a strategy that works harder for you.
About Stephen
Stephen Smith
President & Investment Adviser Representative
Stephen Smith has dedicated his career to helping families in the Schaumburg area navigate the complexities of retirement planning. He brings specialized expertise in maximizing Social Security benefits alongside comprehensive retirement income planning.
As an independent advisor, Stephen is free to recommend solutions from a wide array of products and strategies — always putting your best interests first. His approach combines deep financial knowledge with a genuine commitment to understanding each client's unique goals and dreams.
Independent
Fiduciary
Always Your Best Interest
Ask LenzYour Financial Guardian
Have a question about retirement, Social Security, taxes, or estate planning? Lenz sees everything — trained on Stephen's 20+ years of expertise to give you real answers, instantly.
- No appointment needed
- No judgment, no sales pitch
- Available 24/7
- Backed by Stephen's expertise
Lenz on theBig Screen
In your office or waiting room, open the Vibe Board kiosk and let clients interact with Lenz directly on the large touchscreen. Voice-enabled — just tap the mic and speak.
Free Tools
Financial CalculatorsBuilt for Retirees
Use our growing suite of free retirement planning tools — starting with our RMD Calculator, with more coming soon.
Explore All CalculatorsRMD Calculator
Available NowCalculate your Required Minimum Distributions with IRS life expectancy tables.
Roth Conversion Calculator
Coming SoonDetermine the optimal Roth conversion strategy for your situation.
Social Security Optimizer
Coming SoonFind the best age to claim Social Security to maximize lifetime income.
Watch on YouTube
YouTube Channel
Financial EducationOn Your Schedule
Subscribe to Stephen's YouTube channel for free educational videos on retirement planning, Social Security strategies, tax planning, and more.
Stephen's Book
Learn From Stephen'sRetirement Expertise
Stephen has distilled decades of retirement planning experience into a comprehensive guide designed to help you navigate the most important financial decisions of your life.
Learn More About the BookBook Cover
Coming Soon
Get In Touch
Schedule YourComplimentary Meeting
Share a few details and you'll be on your way to your first meeting. We can't wait to get to know you, your goals, and your dreams.
Your AI financial guardian
Hi! I'm Lenz.
Ask me any financial question. I see everything, read the fine print, and I'm never blindsided.
Educational information only · Not personalized financial advice