Most retirement plans are not plans. They are collections of accounts. A 401(k) here, an IRA there, a Social Security decision left for later, an old life insurance policy, and a trust signed years ago that may or may not be funded. Lindahl Lucas, founder of Avinci Wealth Management, built his firm around that problem.
Where the approach came from
Lucas has been continuously licensed in insurance since 1987 and in securities since 2005. He is an Investment Adviser Representative, firm CRD #327780, and holds a Series 65 licence.
Before founding Avinci, he spent six years at Financial and Tax Architects, where his conviction about coordinated planning took shape. He saw households arrive with substantial balances and fragmented strategies: portfolios that looked sound in isolation, with pieces that did not fit together.
That became the foundation of Avinci Wealth Management, with a mission simple to state and difficult to execute. Bring each part of a client's financial life under one coordinated strategy, led by an experienced adviser.
A decathlete's approach
Lucas was a collegiate All-American decathlete and a Hall of Fame record holder, and later coached two USA Track and Field teams. That background still shapes his work.
The decathlon is ten events, and what wins is not mastery of one discipline but performance across all ten. Retirement planning, Lucas argues, is built the same way. The household that retires successfully is rarely the one with the best portfolio in isolation. It is the one whose pieces fit together.
At Avinci those pieces number five: investment management, tax planning, retirement income, insurance and estate coordination. Five disciplines, one coordinated plan. The phrase is the firm's operating philosophy rather than a tagline.
The Retirement Blueprint
The Retirement Blueprint is the named methodology Avinci uses. It is not a product and not a software tool. It is a written document and a meeting cadence.
The process moves through four steps. Avinci gathers the complete financial picture. The team builds the Blueprint, mapping income and tax exposure year by year. Clients receive a clear snapshot of their position. The strategy is then refined over time.
Tax planning supports the income plan. The income plan supports the investment allocation. The allocation supports the estate plan. Nothing stands alone.
What the Blueprint covers
Clients see their accounts coordinated under one strategy rather than managed separately. They receive a multi-year Roth conversion schedule with amounts, years and the tax considerations behind each conversion.
Account titling and beneficiary information is gathered and tracked for review with the client's attorney, who makes the legal determinations. Who handles trust funding in California covers how those roles divide. A Social Security claiming analysis is modelled against life expectancy, spousal benefits and tax brackets. An insurance review considers what to keep, what to reconsider and what may be missing.
Perhaps most usefully, a market decline meets a planned response rather than an improvised one. The plan anticipated that markets fall.
Founder access and disclosure
Lucas also owns Lucas Insurance Services, an independent insurance agency he founded in 1987. That affiliate places insurance and annuities for Avinci clients when those products fit the plan. The agency may receive commissions from issuing insurance companies, which creates a conflict of interest and is disclosed in writing before anything is placed and in Avinci's Form ADV.
Clients work directly with Lucas. Founder involvement and a documented, repeatable process describe how the firm operates.
The New Rules of Wealth
Lucas is writing a book titled The New Rules of Wealth, on why the retirement and investment field is changing.
"Under the old approach the client has to coordinate everything themselves, between the investment adviser, the insurance agent, the trust attorney and the CPA, and hope they did not miss anything," Lucas says. "We work to provide a coordinated system so the pieces are considered together."
The firm does not do one thing. It works across several areas intended to give clients clarity about their assets, their retirement and their legacy. The companion article sets out that argument in full.
Serving Southern California and beyond
Avinci Wealth Management serves Los Angeles, Santa Clarita and Ventura Counties, with offices in Santa Clarita, Beverly Hills and Woodland Hills, and supports clients nationwide through secure video meetings.
Services span growth, preservation and legacy planning, including investment management, tax-efficient strategies, annuities, life insurance, long-term care and charitable planning. A complimentary ten-step retirement guide is available to those who want to understand the coordinated approach first.
Important disclosures. Investment advisory services are offered through Avinci Wealth Management, Inc., a Registered Investment Adviser, firm CRD #327780, registered in California, Arizona, Illinois, Texas and Nevada. Registration as an investment adviser does not imply a certain level of skill or training. Our Form ADV Part 2A brochure describes our services, fees and conflicts of interest, and is available on request and through our IAPD record.
Compensation. Avinci Wealth Management, Inc. is fee-based. It receives advisory fees for investment advisory services. Separately, insurance and annuity products may be offered through our affiliate, Lucas Insurance Services, which may receive commissions from issuing insurance companies on products it places. This compensation arrangement creates a conflict of interest and is disclosed in our Form ADV.
Scope. Avinci does not prepare tax returns, practice law, or draft legal instruments. Those are handled by the client's own CPA and attorney. This material is educational and is not individualized investment, tax or legal advice. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results.