Registered Investment Advisor · Fiduciary · Independent
Every Part of Your Retirement, Under One Roof.
Leonard Financial Solutions is a fiduciary RIA for clients with $500K–$5M in investable assets. Investments, taxes, Medicare, Social Security, RMDs, Roth conversions, and estate, all coordinated by one team in one place.
A+
BBB Rating
50+
5-star reviews
2017
Founded
All 50
States served
Fiduciary Wealth Management
A Registered Investment
Advisor You Can Trust
As a Registered Investment Advisor, Leonard Financial Solutions is legally bound to act in your interest at every advisory recommendation, every meeting, every time. That's what fiduciary actually means. Not a marketing claim. A legal standard.
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That fiduciary obligation is the foundation. The coordination is the difference. We bring investment management, tax planning, income strategy, Medicare, Social Security, and estate work together under one roof. You stop managing a patchwork of advisors and start moving toward retirement with one plan, one team, and one direction.
What We Offer
Our Services
Nine retirement decisions. Eight coordinated services. One firm handling all of it.
Investment Management
A retirement investment strategy built to protect your income, manage market risk, and keep your portfolio working through every stage of retirement.
Retirement Income Planning
A structured retirement income strategy designed to help your money last through market cycles, reduce tax inefficiencies, and create reliable income in retirement.
Medicare Planning
A coordinated Medicare strategy designed to help you avoid costly penalties, choose the right coverage, and align healthcare decisions with your retirement income and tax plan.
Tax Planning
A proactive tax planning strategy designed to reduce lifetime taxes through coordinated Roth conversions, withdrawal planning, and year-round tax management.
Estate Planning
A coordinated estate planning strategy designed to align your documents, accounts, and beneficiaries so your assets transfer according to your wishes and with greater tax efficiency.
Roth Conversions
A strategic Roth conversion plan designed to reduce future taxes, manage RMD exposure, and coordinate conversions around your retirement income, tax bracket, and Medicare premiums.
RMD Planning
A proactive RMD strategy focused on reducing future tax exposure, managing required withdrawals, and coordinating distributions with Roth conversions, Medicare premiums, and retirement income planning.
Social Security Planning
A coordinated Social Security strategy designed to optimize claiming decisions, maximize lifetime income, and align benefits with your taxes, Medicare premiums, and overall retirement plan.
THE COORDINATION ADVANTAGE
Everything in Retirement Is Connected
We call it the 7-Point Coordination System. The decisions you make in one part of your plan trigger consequences in every other part. Most plans only address them after the fact. We map all seven before you make the call.
Take the Next Step
Let's Build Your Retirement Plan
On your Chain Reaction Audit, Jonathan walks through your current financial picture, identifies where your tax and income strategy is exposed, and shows you exactly what a coordinated, fiduciary plan could look like for your situation. No pressure. No product pitch. Just clarity.
AGE 55–67 · 3–10 YEARS OUT
Pre-Retirees
You're three to ten years out. You built it. Now the question is how to draw on it without blowing it up, and how to set up the tax, Social Security, and Medicare decisions you'll face in the next decade.
AGE 65–75 · 0–5 YEARS IN
Retirees
You're zero to five years in. This is where uncoordinated plans collapse. RMDs starting. IRMAA biting. The Roth conversion window narrowing. We catch the cracks before they widen and clean up the ones already in motion.
RSUs · DEFERRED COMP · BUSINESS EXITS
Business Owners & Executives
RSUs, ISOs, deferred comp, concentrated stock, sale-of-business planning. Higher brackets, more moving parts, less margin for error. Coordination matters most where the dollars are biggest.
THE COORDINATION ADVANTAGE
Not Ready to Book? Start Here.
The Retirement Coordination Checklist · 21 questions, 3 pages, fillable PDF.
Before your next conversation with your current advisor, or before booking anything with us, fill this out. It surfaces every gap in your current plan in about ten minutes, with no personal information required. Just print, mark it up, and see where you stand.
What's Inside
- 21 plain-English questions that surface every coordination gap in your current plan
- How your account-withdrawal sequence quietly changes your lifetime tax bill
- The IRMAA bracket trap costing retirees thousands a year, and how to spot it before it hits
- Roth conversion timing checkpoints by age, account size, and current tax bracket
- Estate and beneficiary alignment, the failure point most retirement plans never address
Jonathan Leonard is the founder and CEO of Leonard Financial Solutions, a fiduciary Registered Investment Advisor serving clients across all 50 states. Since launching the firm in 2017, he has built a nationally recognized wealth management and retirement planning practice. As the leader of a fiduciary RIA, Jonathan and the team are legally and ethically required to act in every client's best interests, always.
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LFS specializes in coordinated, tax-efficient retirement planning. We bring together investment management, retirement income, Roth conversions, Social Security strategy, tax planning, Medicare, and estate work into one unified plan. Jonathan and the team specialize in making sure no part of your retirement works against another.
The firm emphasizes minimizing sequence-of-returns risk through deliberate portfolio construction and structured income strategies. Leonard Financial Solutions has been featured on ABC, NBC, CBS, Fox, AP News, and Yahoo Finance, holds an A+ rating with the BBB, and has earned more than 50 five-star Google reviews.
Meet Your Advisor
Meet Your Advisor
Jonathan Leonard
CEO & Founder
Fiduciary · RIA · Independent
About Leonard Financial Solutions
Leonard Financial Solutions is a Registered Investment Advisor built for clients with $500K–$5M in investable assets who want more than a product. They want a plan. As fiduciaries, we are legally required to put your interests first, full stop.
Integrity, transparency, and coordination are how we run this practice. The best retirement plan is one where every part works toward the same goal: income you can count on, a tax bill that doesn't blindside you, and a legacy that actually reaches the people you intend it to.
Our Mission
Our Commitment
We work with a deliberately limited number of clients so every plan gets the attention it deserves. You're not a portfolio number. You're a household with specific income, tax, and legacy decisions to make, and we treat you that way.
Two-Bucket Strategy
A growth bucket for the years you can afford volatility, and a protection bucket for the years you can't. The strategy isn't theoretical. It's what makes income reliable when markets aren't.
Strategic Planning
A plan isn't a binder you read once and put on the shelf. We revisit it through every tax law change, life event, and market cycle, and make adjustments before they become regrets.
Every Step of the Way
You work directly with Jonathan and the LFS team. Not a junior advisor. Not a call center. When something changes, a market move, a Medicare question, a family event, you reach a person who already knows your plan.
Client Testimonials
What Our Clients Say
Reviews pulled directly from Google, where clients leave them publicly.
Gerard Lamola
"Very professional and knowledgeable — I made the right choice."
01.28.2026
Lori Klein Maikis
"John T was incredible to work with. Made the process of signing up smooth and easy to understand. They did all the legwork and gave us clear choices, then followed through to make sure we were covered completely. Thank you!"
01.26.2026
Suzanne Johnson
"We received excellent help from John Termun on our Medicare health insurance challenges. He was extremely knowledgeable, patient, and personable in explaining our options and answering all of our questions. We couldn't have asked for a more professional experience."
01.10.2026
Debbie Faulkner
"I am a recent widow who needed professional help concerning my health insurance. I truly can't thank John Termun enough for his guidance and valuable knowledge in helping me not only understand, but feel confident in my decisions for this new season of my life."
10.28.2025
Read The Latest
Our Financial Blog
Plain-English breakdowns of the retirement decisions worth understanding before you have to make them.
By Jonathan Leonard · August 7, 2024
Importance of Diversification in Retirement Portfolios: Protecting Your Future
Learn why diversification is crucial in retirement portfolios. Protect your future with strategies to spread risk and secure your savings.
By Jonathan Leonard · August 7, 2024
Tax Optimization Strategies for Retirees
in New Jersey
Explore tax optimization strategies for retirees in New Jersey. Maximize your savings and ensure a financially secure retirement.
By Jonathan Leonard · August 7, 2024
Healthcare Cost Management in Retirement
Discover strategies for managing healthcare costs in retirement. Ensure financial stability and access to necessary medical care.
Take the Next Step
Let's Build Your Retirement Plan
On your Chain Reaction Audit, Jonathan walks through your current financial picture, identifies where your tax and income strategy is exposed, and shows you exactly what a coordinated, fiduciary plan could look like for your situation. No pressure. No product pitch. Just clarity.
