Prospérité Financial

Financial Planning for Healthcare and Business Professionals

Prospérité – French

The condition of being successful or thriving; good fortune, success in terms of wealth, health and happiness

We are financial advisers who provide personal, proactive guidance so you can make the most of your money in every stage of life.

Begin Building Your Prospérité Today!

Prescription for Prospérité

Financial success is built on 5 pillars. We help you evaluate where you are in each area and build a plan that helps you achieve your goals.


Create & Identify Goals
  • What do you want to achieve?
  • What is your time frame?
  • What are your priorities?

Collaborate
  • Who are the important people that can help you achieve your financial goals & can you depend on them?
  • How often do you meet with them?
  • What ideas are generated from your collaborations?

Plan
  • Do you have a specific plan to achieve your financial goals?
  • Do you understand each part of the plan?
  • Is the plan flexible so that it can adapt to your changing life situations?

Implement
  • Who is helping you to implement the plan?
  • Do you understand when each part of the plan should be implemented?
  • What supports do you have in place to help you implement the plan & keep it on track?

Evaluate, monitor, revise
  • How often would you like to receive feedback about your plan?
  • Do you have easy access to your financial planner or advisor?
  • Who is helping you to evaluate, monitor & revise your plan?

Planning Leads To Prospérité

At Prospérité Financial, our goal is to help you become prosperous. We stand beside you at every stage of life, both in your personal life and your professional career, to create a wealthy, healthy and happy life. Our focus is on you, your family and your future – helping to make your hopes, your goals, and your dreams come true.

Being physiologically healthy, just like being financially healthy and successful requires more than wishing. It requires planning. That’s where we come in! Whether you are just starting out in life and in your career and want a partner to help you get on the right path, or if you want to maximize your opportunities and all you have worked hard to earn, we are here to help you.

Utilizing our Prescription for Prospérité method, we help you to create a plan and make sound financial decisions for your specific situation, while steadfastly keeping a keen eye ahead for your future. Through our collaboration, professional support, guidance and resources, your Prescription for Prospérité will allow you to live the prosperous life you desire and deserve!

Meet Our Team

Lorna Allen, MBA, RICP
Lorna Allen specializes in working with healthcare professionals and business owners to create effective, efficient and strategic retirement plans. She has specific training, knowledge and skills in retirement income planning to help people reach their financial goals. She enjoys guiding and working with people to grow & protect their hard-earned dollars by implementing a personalized and integrated approach.
Lorna earned her B.A. in Psychology from The University of Texas at Austin and an M.S. in Clinical Neuropsychology from The University of Texas at Tyler. After working in administration in the healthcare industry, she returned to school and earned her MBA from Baylor University. Lorna carries a specialty designation as a Retirement Income Certified Professional and is a professional speaker. She provides educational seminars as well as online webinars and presentations throughout Texas related to financial matters.
Lorna enjoys volunteering on various boards and organizations and is a strong advocate for healthcare professionals, business owners and women. Lorna has spent time as a leadership member of the Austin Chapter for the e-Women Network, the National Association of Senior Advocates, the Williamson County Healthcare Resource group, and is a past Ambassador Chair Board Member with the Texas Women in Business. Lorna is also involved with several other additional healthcare organizations and women’s groups. In addition, Lorna’s love for academia has led her to be an Adjunct Faculty Professor at Austin Community College for more than 20 years.
Lorna is a self-professed workaholic! But when she needs to unwind, you can find her spending time with her family and friends. She loves being at the beach, travelling, exploring Austin and the surrounding areas, listening to podcasts, reading, singing and going to different restaurants.
Linda Vescio
Linda Vescio is the Chief Development Officer at Prosperite Financial. She is responsible for the oversight of daily operations and ensures that the expectations of our clients are met. By implementing departmental and organizational procedures, Linda helps to maximize the efficiency of our practice.
JULIA SHEPPARD
Julia Sheppard is the Senior Brokerage Services Manager for Prospérité Financial.  She provides up-to-date information and assists with case planning, development & strategy implementation for retirement planning. Julia specializes in disability planning for employers and employees.
LYMAN KISER
Lyman Kiser is the Brokerage Services Manager for Prospérité Financial and provides information and support for case planning and development. His keen and critical skills offer solid direction for the strategic plans that we build for our clients.
MARSHALL CLEMENT
Marshall Clement is the Long-Term Care Planning Solutions Administrator for Prospérité Financial. He assists with the planning & design of long-term care strategies within an overall financial plan. His experience and extensive knowledge of the long-term care landscape allows him to provide specialized guidance to help our clients with an effective & strategic approach to this aspect of retirement planning.
YVETTE WALL
Yvette Wall is the New Business Case Manager for Prospérité Financial. She coordinates and manages the follow through and implementation of business to ensure exceptional customer service. Her attention to detail is of the highest standard and she consistently strategizes to provide the best opportunities for our clients.

our approach

Data Collection
We will work with you to gather all the necessary information to understand where you currently are in your financial journey, and where you want to go.
Financial Analysis
We utilize a stack of technological software combined with our expert knowledge to evaluate where you are in your financial journey & how you can move towards Prospérité.
Determine strengths & opportunities
We help you evaluate & leverage your financial strengths and opportunities while ensuring that you have the right protections in place to shield you from excessive risk.
Create customized solutions
We will create customized solutions by putting the right pieces together for your specific situation so it aligns with your goals & time frames.
Implement strategies
Specific strategies will be devised for your situation in order to allow you to rest assured that your money is working hard for you every step of the way!
Monitor & measure success
Together, we will monitor & measure how your strategies are working. We will make changes whenever & wherever needed to continue on the road to Prospérité!

WHO WE SERVE

Individuals
  • Are you just starting out in life?
  • Just got your first job?
  • Do you need help with your work benefits?
  • How can you ensure a prosperous future?

We help you with these things and so much more!

Families
  • Did you recently get married?
  • Are you planning a family?
  • Are you considering purchasing a new home?
  • What can you do to help your kids get off on the right financial path?

We help you with these things and so much more!

Medical Professionals
  • Are you worried about where to put your money so it can grow?
  • Are you overwhelmed with various investment options?
  • Do you want to ensure that your income won’t stop if you are unable to work?
  • Do you want to ensure that your personal family is taken care of no matter what happens?

We help you with these things and so much more!

Business Owners
  • Are you a small company of one or a large company of over 500 employees?
  • Would you like to create or offer benefits for yourself or to your employees?
  • Have you thought about succession planning or exit planning?
  • Do you want to ensure that your personal family is taken care of no matter what happens?

We help you with these things and so much more!

WHAT WE OFFER

Managing your finances and planning for your best financial future can be overwhelming. At Prospérité Financial, we are here to guide you and work with you one-on-one. Our advisors always have your best interests in mind and we hold ourselves to the highest fiduciary standards. We will always be cognizant of your current financial status as we guide you to your most prosperous future!

Lifestyle Management Planning

  • career changes (job changes, benefit selections, promotions, stock options, etc.)
  • life milestones (marriage, separation, children, home buying, etc.)
  • healthcare & medical expenses
  • timing of major purchases
  • savings strategies

Financial Planning

  • net worth & cash flow optimization
  • clarification of financial goals & objectives
  • long term financial strategies
  • strategies for timing of income & purchases
  • asset protection

Wealth Management & Tax Planning

  • accumulation strategies
  • portfolio funding
  • risk management & reduction during market uncertainties
  • tax smart investing
  • harvest tax gains & losses

Investment Planning & Management

  • investment optimization strategies
  • portfolio strategies
  • asset allocation
  • diversification
  • strategic investing

Retirement & Retirement Income Planning

  • distribution strategies
  • social security strategies
  • healthcare & long-term care planning
  • estate & trust planning
  • generational transfers

Estate Planning

  • investing for estate planning
  • exemptions
  • risk management
  • leveraging assets
  • charity & gifting strategies

College Planning

  • funding college costs
  • funding options
  • FAFSA considerations
  • alternative strategies

Business Owners

  • employee & group benefits
  • stock options
  • SEP, SIMPLE, 401k & more
  • financial protection
  • business succession planning
  • exit planning strategies

Healthcare Professionals

  • net worth & cash flow optimization
  • clarification of financial goals & objectives
  • long term financial strategies
  • strategies for timing of income & purchases
  • asset protection

Virtual and face-to-face meetings allow us to best serve you

No matter where you are

The virtual landscape has changed. Physical borders no longer exist. We can meet you wherever you are to discuss your specific situation and help you make comprehensive informed decisions.

Schedule your complimentary consultation today!

Begin Building Your Prospérité Today!

Enjoy a Future Filled with

Confidence & Prospérité