Lifetime Financial Planning is a financial planning practice based in Branchburg, New Jersey, led by Ronald J. Garutti Jr., CFP®. The firm works with people at different stages of their financial lives, including working professionals, small business owners, women, retirees, and those approaching retirement. Its approach begins with listening to clients, understanding their goals and risk tolerance, and then developing recommendations tailored to their circumstances.

Services include financial planning for peak-career wealth building and retirement, wealth management, portfolio construction and risk management, estate strategy, and guidance on insurance, taxes, investments, and other financial matters. The firm follows a three-step process: assess a client’s finances and objectives, develop a strategy based on goals, time horizon, and risk tolerance, and implement and adapt the plan as circumstances change. Lifetime Financial Planning emphasizes ongoing communication, financial education, and practical guidance, aiming to help clients make informed decisions and care for themselves and their families. Prospective clients can request an appointment or schedule an introductory consultation.