Your Wealth Refined

You've Spent Years Building Your Income. Let's Make Sure It's Protected.

Helping medical professionals navigate the blind spots of financial planning, reduce tax burdens, and ensure their families are protected.
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Laurene Breitkreutz

Financial Planner • Tax-Smart Strategist • Lifelong Advocate

"I spent over 30 years in corporate America — then I retired at 48, looked around, and decided I wasn't done helping people yet. Now I use everything I've learned about money, people, and asking the hard questions to make sure doctors and dentists like you never have to wonder if you're going to be okay financially."

Mission Before Commission
I don't work for a carrier or a quota. I work for you. My only job is to make sure your plan actually fits your life, and to hold you to it.
A Planner, Not Just a Salesperson
Anyone can sell you a product. I dig into the whole picture. Your taxes, your income, your family, your blind spots, and build a strategy that connects all of it.
In It for the Long Haul
I’m by your side every year to monitor your progress, adjust for life’s changes, and ensure your plan is performing the way it should.

Are These Fears Keeping You Awake at Night?

You've spent years mastering your craft, building your income, and taking care of everyone else. But when it comes to your own financial picture you haven't had time to sit down and figure it out. These are the three fears I hear most often.

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1

Not Having Time To Plan

You've been focused on your career, your family, your mortgage, your life. There's always been something more urgent than sitting down with a financial planner. But the longer those blind spots go unaddressed, the more expensive they become — in taxes, in missed protection, in lost time.

Paying Taxes You Don't Have To

One of my clients paid nearly $800,000 in income taxes over just three years. He was a successful doctor — not because he was doing anything wrong, but because nobody had shown him what was legally available to him.

2
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3

What Happens if You Can't Work?

What if you had a stroke tomorrow? If you couldn't walk, talk, or write... and couldn't bring in a paycheck? What would your family do? These aren't fun questions. But they're the ones we have to ask before it's too late. Put your own oxygen mask on first.

How We Help You

Every person's situation is different. We don't come in with a pre-packaged product to sell you. We come in asking focused questions, until we understand your full picture. Then we build a strategy that actually fits your life.

Retirement &
Long-Term Security

Income You Can't Outlive

The biggest fear in retirement is outliving your money. We help you build guaranteed income streams that last as long as you do, whether that's 20 years or 40 years from now.

Healthcare Planning

Medical costs are one of the biggest wildcards in any retirement plan. We'll make sure you're prepared, so a health crisis doesn't become a financial crisis.

Social Security Optimization

When and how you claim Social Security can make a six-figure difference over your lifetime. We'll analyze your options and build a claiming strategy that maximizes what you've earned.

Protection Strategies

If Something Happens to You

Does your family have enough if you're gone, or if you're suddenly unable to work? Most doctors have coverage through their employer, but it's often not enough to cover a large mortgage, protect a young family, or replace the kind of income you've built. We close those gaps.

Income Replacement

Your income is your most valuable asset. If a stroke, a critical illness, or an accident took it away, your family needs a plan that doesn't fall apart. We help you build that protection before you need it.

Legacy Planning

What do you want to leave behind for your spouse, your kids, your grandkids, causes you care about? We'll make sure there's a plan for that too, and that it doesn't all get eaten up by taxes or probate.

Tax-Smart Planning

Minimize What You Owe

Most high-income professionals are overpaying taxes. Not because they're doing anything wrong, but because they haven't been shown the legal strategies available to them. We help you structure your income, retirement contributions, and assets to keep more of what you earn every single year.

Tax-Free Retirement Income

There are legitimate strategies to build income in retirement that the IRS can't touch. We'll look at what's available to you and build them into your plan now, while you still have time to maximize them.

Understanding Your Full Picture

I'm not just looking at one account or one policy. We look at your entire financial life, what's coming in, what's going out, what's exposed, and help you see the pieces you may have missed.

The 3-Step Plan to Refine Your Wealth.

1

The Triage Call

This is just a conversation. We figure out if we're a fit, what's keeping you up at night, and whether there's a real problem worth solving together. No pressure. No pitch. Just questions.

2

The Deep Dive Call

We'll look at your income, taxes, insurance, retirement accounts, estate situation... everything. The goal is to confirm exactly what's broken and what's missing, so the plan we build is built for you.

3

Personalized Plan

We build a comprehensive financial plan tailored specifically to your situation. You'll know exactly where you stand and exactly what to do next. Then, we work together to put it into action.

Book Your Triage Call

About Laurene.

Laurene Breitkreutz

Laurene Breitkreutz

Owner / Financial Planner

"Mission before commission. I'm here to build the right plan for you, not the easiest one for me."

Read Full Bio
Laurene Breitkreutz

Laurene Breitkreutz

Owner / Financial Planner

I didn't take the traditional path into financial planning. I took the real one.

I started working at 16 to help my family make ends meet after my stepfather had an industrial accident. He went from bringing home $600 a week to $35. So I got a job, stayed in school, and figured out how to navigate a world that doesn't wait for you to be ready.

I spent 31 years with AT&T — starting as a junior in high school, working my way up, and eventually retiring at 48 when they laid me off. I had a pension. I had time. And I was not going to spend it babysitting.

So I went back to work. I've now had four careers. The one that shaped me most — before financial planning — was 13 years as a business consultant, walking into family-owned businesses and asking every uncomfortable question until people understood what they actually needed. I wasn't the one with all the answers. I was the one who asked until the right answers surfaced.

That's exactly what I do now.

For the past 13 years, I've been helping people build financial plans that actually hold up — through unexpected illnesses, market downturns, career changes, and the hard questions most advisors never ask. I started in mortgage protection, helping families make sure a mortgage wouldn't become a crisis if someone got hurt or died. Now I work primarily with doctors and high-income professionals who are earning well but haven't had time to build a real plan around what they're earning.

My philosophy is simple: Mission before commission. I don't care how much I make on a plan. I care whether the plan is right for you. It took me three years to even notice how little I was getting paid by certain carriers — that's how little I was focused on the money. What I focus on is the outcome.

I ask hard questions. I hold my clients accountable. And I show up every year at your anniversary to make sure we're still on track — because a financial plan isn't a one-time event. It's a relationship.

Philosophy: Security Over Returns

Here's what makes me different: I don't chase returns. I build security. Especially for doctors — you already have strong income. What you need isn't more risk. You need a plan that protects what you've built, reduces what you owe to the IRS, and makes sure your family is never left scrambling. That's what we build together.

Who I Work With

My primary focus is doctors and high-income professionals between ages 30 and 50 — people who are earning well, living well, and haven't sat down to build a real plan yet. Whether you're worried about taxes, what happens if you can't work, or just the creeping feeling that you're missing something — I'm probably a good fit.

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