Business Details
Your Trusted Partner for Financial Planning Solutions
Allegiant Financial Planning was founded with a clear mission: to make financial planning accessible and transparent for individuals, families, and entrepreneurs. As a fiduciary firm, we prioritize your best interests without account minimums, hidden agendas, or proprietary product ties. Our founder, a Certified Financial Planner with over a decade of experience, brings deep expertise in retirement planning, wealth management, and risk mitigation. We specialize in creating personalized strategies that adapt to life's changing needs, balancing immediate financial goals with long-term security. Our commitment to community is reflected in our founder's board service with organizations like Spay Memphis and the Financial Planning Association of Greater Memphis.By combining technical proficiency with a client-first philosophy, we deliver actionable plans that align with your values, lifestyle, and aspirations. Our approach emphasizes clarity, explaining complex financial concepts in plain language while maintaining rigorous ethical standards. Whether you're navigating career transitions, preparing for retirement, or building generational wealth, our experience and independence position us to provide trusted guidance tailored to your unique circumstances.
Services
Financial & Retirement Planning
Wealth Management
Risk Management
Legacy Planning
Income Strategy Development
Highlights and features
- We operate as fiduciaries, legally obligated to act in your best interest
- Personalized plans tailored to your specific financial situation and goals
- Transparent fee structure with no hidden charges or sales commissions
- Founder brings dual expertise in financial planning and community engagement
- Collaborative approach working with your existing legal and tax professionals
Associations and certifications
- Certified Financial Planner Board of Standards
Services
Financial & Retirement Planning
We create customized retirement plans balancing current needs with future security. Our process analyzes income, spending, savings, and net worth to develop actionable projections. We help clients determine optimal savings rates, retirement timing, and sustainable withdrawal strategies while addressing tax implications and legacy goals.
Wealth Management
Our wealth management approach builds portfolios aligned with individual risk tolerance and values. We focus on strategic asset allocation, tax-efficient investing, and regular portfolio reviews. The service includes evaluating investment performance against financial goals while maintaining flexibility for life changes and market conditions.
Risk Management
We assess insurance needs across different life stages, covering disability, life, health, and long-term care protection. Our approach evaluates existing coverage adequacy, identifies gaps, and recommends solutions that safeguard financial plans from unexpected events while avoiding unnecessary policies.
Legacy Planning
This service focuses on creating intentional wealth transfer plans that reflect client values. We coordinate with legal professionals to establish wills, trusts, and beneficiary designations. Our approach considers tax implications, family dynamics, and charitable giving objectives to preserve wealth across generations.
Income Strategy Development
We design personalized income plans for retirees that balance security and flexibility. The strategy incorporates Social Security optimization, required minimum distributions, and withdrawal sequencing from different account types. Our approach adapts to changing market conditions and evolving lifestyle needs during retirement.
People
Lauren Estes
Founder & Certified Financial Planner
Lauren Estes established Allegiant Financial Planning to make financial planning accessible without hidden agendas. As a Certified Financial Planner, she specializes in retirement strategy and wealth management while maintaining fiduciary independence. Her background includes board service with Memphis community organizations.
Questions
What makes Allegiant different from other financial advisors?
We operate as independent fiduciaries with no product sales quotas or proprietary investments. Our fee-only structure ensures recommendations remain focused solely on your best interests.
How do you help clients determine retirement savings needs?
We analyze your current financial situation, lifestyle goals, and retirement timeline to create personalized savings targets. Our projections consider income sources, expense patterns, and market assumptions.
What insurance coverage do I really need?
We evaluate your life stage, family situation, and financial obligations to recommend appropriate coverage. This includes assessing life, disability, long-term care, and health insurance needs.
How do you handle investment management?
We create diversified portfolios based on your risk tolerance and goals. Our approach emphasizes tax efficiency, cost-effectiveness, and regular reviews to maintain alignment with your financial plan.
Can you help with Social Security optimization?
Yes, we analyze claiming strategies to maximize benefits while coordinating with your overall retirement income plan and tax considerations.
What happens to my plan if market conditions change?
We regularly review and adjust your plan to reflect market changes, personal circumstances, and evolving goals while maintaining long-term strategic focus.
