Justin Pandy
Advocate for Transparent Financial Planning
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Serving Clients Nationwide
Advocate for Transparent Financial Planning
Areas of Focus
- Estate Planning
- Financial Life Planning
- Investment Management
- Retirement Planning
- Student Loan Repayment Plan Advising
- Tax-Smart Distribution Planning
- Taxes
About Justin Pandy
You've been making good money for years. Maxing out your 401(k) or 403(b). You're saving consistently. "Doing everything right."But here's the question that keeps coming up: "Is this really the best I can do?"
Whether you're working with an advisor or managing things yourself, most high-income professionals face the same gap:
You're focused on investments but missing the bigger picture.
Here's what's often overlooked:
Lifetime tax optimization strategies
Comprehensive estate and insurance planning
Proactive tax planning (not just filing)
Strategic entity structuring for business owners
Clear roadmap connecting your money to your actual goals
You have wealth, but is anyone showing you how to protect it, grow it tax-efficiently, and pass it on strategically?
That's where comprehensive planning comes in.
I specialize in financial planning for high-income families earning $300K-$3M annually. Especially Physicians, Surgeons, and Business Owners who want more than just investment management.
Here's what comprehensive planning accomplishes:
Save on taxes through S-Corp structuring, Roth conversions, tax-loss harvesting, and lifetime tax diversification.*
We help build confidence with a 3-page plan in plain English:
Page 1: Snapshot of today
Page 2: Audit on Investments, Insurance, Tax Return
Page 3: Recommendations
Protect your family through estate planning, disability insurance, term life, and asset protection strategies.
Optimize everything: investments, tax strategy, insurance, entity structure, and retirement distribution.
My approach includes:
Goal-first planning (what do YOU want your money to do?)
Comprehensive expertise (tax, estate, insurance, investments)
24-hour response time
Flexible fees (flat-fee, AUM, or hybrid)
Whether you're currently working with an advisor or going it alone, the question is: Are you getting comprehensive planning or just investment management, and if so, is it the most efficient way to do things?
Ready to see what comprehensive planning looks like?
Connect with me on LinkedIn.
- Not all strategies are suitable for every situation. Individual circumstances vary.
Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Lakewood Wealth Management are not affiliated.
Content provided via links to third-party sites should not be considered an endorsement of third-party content. We make no representation as to the completeness or accuracy of information provided at these websites
Affiliations
-
National Association of Insurance and Financial Advisors
- The AGC
Primary Location
Meeting Options
- Video Conference
- In-Person
- Phone
Compensation Methods
- Commissions
- Fee Based
- Flat Fee
- Percentage of Assets Managed
- Subscription
What to expect in the first meeting
Click the 'Book Intro Call' button above and complete the brief form to schedule a free discovery meeting. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About Lakewood Wealth Management
Lakewood Wealth Management is a Michigan-based independent financial services firm. Our advisors practice comprehensive, holistic financial planning and asset management. We are fiduciaries that act in your best interest, period. Our advisors spend time listening and asking questions; tailoring your financial plan to your personal values and goals. Our team has various backgrounds in finance and accounting, and experience working with a variety of complex financial situations. We use a team approach to make sure you receive the best experience possible.Education
Bowling Green State University, Bachelor of Business Administration - BBA, Financial Planning, Insurance and Risk Management
Hobbies and Interests
- Family
- Football
- Golf
- Sports
- Working Out
FINRA Lookup
View DisclosureWho We Serve
- Healthcare Professionals
- Physicians
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