Take your financial confidence to the next level




Virtually Out of Fort Collins, Fiduciary, Fee Only Financial Planning for Young Professionals & Growing Families

Financial
Planning

Level Up’s Financial Plans are personal Financal Strategy Guides for early and mid career professionals.  If you’re anything like me, you’re thinking about what is best for your family.  Whether it be a new career, change of location, or a growing family, I want to ensure you’re confident in the financial choices you make. 

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Investment
Management

Investment management is a popular topic with financial advisors, but oftentimes that’s all the advisor provides.  Level Up Financial Planning feels that investment management is only, as good as, the plan behind it.  Investment management is offered as an additional service, but is not required to work with us.

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Quick Start
Projects

Depending on your current situation, life may not be too complicated.  In this instance I can assist with short-term planning needs on an hourly basis.  Examples of quick start projects would include: Debt Repayment Planning, Student Loan Analysis, Life Insurance Needs Analysis, or Education on Financial Topics.

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Level Up Financial Planning’s Why

Level Up Financial Planning, LLC was created to bring financial planning to those who need it most, young professionals & growing families.  After all, you are facing a lot of crucial financial decisions that will impact your life in more ways than just financially.  It is our belief that by tiny improvements through education and informed decision making that your life can be taken to the next level. 

Lucas Casarez

Certified Financial Planner ™


Professional Bio

Lucas’ foundation of financial interest was rooted in his first few years of employment at a local community bank in Illinois.  After discovering the impact financial planning has on peoples’ lives he moved to Fort Collins, Colorado to attend Colorado State University, which he graduated from in 2014 with a focus on Financial Planning.  Following graduation, Lucas worked for a top independent financial advisor in Northern Colorado where he served pre-retirees and retirees in building financial plans that aligned with their goals.  Wanting to make a greater impact on his clients’ financial lives, Lucas started Level Up Financial Planning, LLC to bring financial planning to young professionals and growing families.

Personal Bio

Lucas and his wife, Brittany, are originally from Round Lake, Illinois.  They moved to Fort Collins, CO in 2011 and it quickly became home.  Their son, Avery, was born in 2017 and it changed their lives in many amazing ways.  They also have two loving dogs, Oakley & Jackson.

In addition to hanging out as a family, they love to play sports, try new restaurants, hike, visit the local outdoor movie theatre, run, play video games (not so much lately), and travel.

Professional Affiliations

My affiliations are important to my clients.

All three of my affiliations require that I act as a fiduciary for my clients, which means I have to act with your best interest in mind.  It’s really unfortunate that not all advisors have this requirement.


Being a part of NAPFA means that we’re Fee-Only and all costs are transparent with no sales… ever! 


As a CFP® professional, it confirms for my clients that I’m able to assist them with their planning needs across many planning disciplines: Financial , Tax, Estate, Retirement, Investment, Insurance, & Employer Benefit, etc. .

XY Planning Network has been leading the charge for advisors to provide financial planning for the next generation and is a significant resource that allows me to tap the knowledge of like minded advisors across the country to always be on the cutting edge of creating value for my clients.

Level Up Financial Strategy Guide

You Receive

We will work collaboratively with you to develop your personal strategy guide over 3-4 meetings.  

All plans include the following:
Cash Flow, Debt Management, Insurance, Retirement, Tax, Estate (Additional scenarios are added based on need ex. Home Purchase, Education Planning) 

6-Step Process

1. Complimentary Call

We make sure we want to work together.

2. Discuss Values & Goals

Money is only as important as the life it allows you to create.

3. Get Organized

Coordinate all of your financial information into your personal secure portal.

4. SWPT Analysis

We will analyze your Strengths, Weaknesses, Possibilities, and Threats. 

5. Implement

Create action items and prioritize their implementation.

6. Monitor & Update

Track your progress and make changes when life occurs.

Quarterly Check Ins

Life is constantly changing, it’s good to keep in touch quarterly to make updates to your plan for new possibilities.

24/7 Account Access 

One place to view your complete financial picture that you can access 24/7.  You can event store important documents securely.

Proactive Tax Planning

Did you know that you can control how much you may pay in taxes?  We plan ahead to be strategic with your tax planning.

Employer Benefit Review

Employer benefit enrollment comes at least once a year and with the start of any new position.  We will help you navigate your options.

Employer 401(k) Reviews

Your employer 401(k) is not free.  You have built in expenses that we will review to keep at a minimum and make sure your allocation fits your goals and risk tolerance.

Unlimited Access To CFP® Professional

You should never have to wing an important financial decision again.  I’m here to be your resource on any financial topic.
 

Additional Value Adds

.Accountability, Objectivity, Proactivity, & Education

Level Up Financial Strategy Guide Pricing

*Monthly cost will vary based on pricing table below, as well as, situational complexities.*  

Investment Management on accounts greater than $350,000 waives the fees listed below.

Recent Grad

$400 Up Front
+
$50-100 Monthly*

Monthly Cost Is Reduced By Projected Monthly Investment Management Cost

Common Priorities
  • Intro To Personal Finance
  • Credit Score Building
  • Student Loan Analysis
  • Employer Benefit Review
  • Employer 401(k) Assistance
  • Career Growth Income Projections
  • Budgeting Assistance
Schedule Complimentary Call

Single Professional

$700 Up Front
+
$125-175 Monthly
*

Monthly Cost Is Reduced By Projected Monthly Investment  Management Cost

Common Priorities
  • Simplify Finances
  • Employer 401(k) Assistance
  • Employer Benefit Optimization
  • Employer Stock Option Strategy
  • Home Purchase Planning
  • Debt Management
  • Retirement Planning
  • Tax Plannng
  • Budgeting Assistance
  • Career Growth Income Projections
Schedule Complimentary Call

Professional w/Family

$1,000 Up Front
+
$150-250 Monthly*
 

Monthly Cost Is Reduced By Projected Monthly Investment  Management Cost

Common Priorities
  • Simplify Finances
  • Employer Benefit Optimization
  • Employer 401(k) Assistance
  • Employer Stock Option Strategy
  • Debt Management
  • Home Purchase Planning
  • Tax Planning
  • College Planning
  • Retirement Planning
  • Insurance Planning
  • Estate Planning
  • Budgeting Assistance
Schedule Complimentary Call

Level Up Investment Management Pricing

The biggest risk that leads to poor investment performance is investor behavior.   My goal for you is to avoid making behavioral mistakes.

Investment Management on accounts greater than $350,000 waives personal strategy guides upfront cost & monthly cost. 

*Investment Strategies Carry Additional Cost

Annual Investment Management Cost

0.9% Annual Cost

  • Investments That Align With Your Risk Tolerance, Goals, Timeline, & Tax Status
  • Exchange Traded Fund(ETFs) Based Portfolios
  • Costs Are Prorated And Paid Quarterly
  • Investment Management Cost May Offset Monthly Planning Cost
  • Access To Performance Portal
Schedule Your Complimentary Call

Level Up Quick Start Pricing

Quick Start planning is designed to target problem areas.

Share with me what areas you need guidance on and we’ll focus on improving your confidence in that area.

Student Loan
Analysis

$600

  • Priority & Goal Discussion
  • Review Student Loan Scenarios
  • Step By Step Strategy Guide
  • Personal Finance Portal Access For 12 Months
Schedule Complimentary Call

Budget
Program (4 Months)

Add On

$1,500

  • Paid Over 4 Months
  • Priority & Goal Discussion
  • Spending Analysis
  • Savings Strategy Guide
  • Check In’s Every Two Weeks
  • Personal Finance Portal Access For 12 Months
Schedule Complimentary Call

Hourly Projects
(Examples Below)

Most popular

$200/ hr.

  • Debt Management Plan
  • Insurance Analysis
  • Education Planning
  • Combining Finances Discussion
  • Inheritance Organization
  • Any Other Financial Topic
Schedule Complimentary Call

One Time
Financial Strategy Guide

Depending On Complexity

$2,000 – $4,500

  • 3-4 Meetings
  • Goal Discovery
  • Simplify Your Financial Information
  • Includes: Cash Flow, Debt Management, Insurance, Retirement, Tax, Estate (Additional scenarios are added based on need ex. Home Purchase, Education Planning)
  • Clear Action Items to Level Up
  • Personal Finance Portal Access For 12 Months
Schedule Complimentary Call

FAQ’s

Here is a list of common questions we receive.  I hope it is helpful for you and remember you can always reach out if you still have questions.

Who Is Your Typical Client?

My typical client is an individual or family that has a lot going on and needs help simplifying their financial lives so they can focus on the things they enjoy doing most.

What If I’m Really Busy?

Life is super busy, I understand and have meeting times available outside of normal business hours.  I regularly can meet in the evening hours and offer a few Saturdays each month.  Schedule your complimentary call to see if my calendar has a convenient time that fits your schedule.

Where Do We Meet?

If you happen to live in Northern Colorado, then we can meet anywhere that is convenient for you.  I have access to professional meeting space or we can meet at a local library or coffee house.  If you’re not local or just really busy, we can meet virtually using screen sharing technology and webcams.

Why Should I Hire You Instead Of Doing This Myself?

Some people do choose to be DIYers, but what they are missing out on is an objective third party who has helped over a hundred families navigate their complex financial lives.  I will help you navigate obstacles that get in the way of your progress.

Who Holds My Investments?

Level Up Financial Planning will never take possession of your investments, instead we use Betterment Institutional to act as a custodian for all of the investment accounts we manage for clients.  Betterment Institutional carries SIPC insurance, which is similiar to FDIC insurance that most banks carry.

How Can I Find Out More?

The best way is to have a complimentary one-on-one(or two) meeting so I can learn about your specific needs and we can discuss whether that is something we both want to work together on accomplishing.

Schedule Complimentary Call

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Latest News

Education is an important value that we hope to provide.  Reading our blog is one of the ways we provide that education.  Contact us if you’d like to suggest a topic for our next blog or webinar.

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Get in Touch

We’d love to hear from you.

Prefer to talk by e-mail rather than a formal meeting.  Use the contact sheet or my direct e-mail below.

Contact info

Virtually Out Of 
Fort Collins, CO

970-222-6783

lucas@levelupfinancialplanning.com