Most people don t plan to fail, they fail to plan.    John L. Beckley

This is something I learned firsthand as a first-generation immigrant, landing in New York at the age of 11. As many families struggled to make the American dream theirs, so did my family. While working my way through college at local medical offices, I grew familiar with how financial applications came to fruition in a very real way once management teams make their decisions. Later, I gained experience with large-scale financial decisions   I worked closely with the CFO and other top executives of Beau Dietl and Associates, Inc.  one of the largest global agencies specializing in corporate investigations for major international companies. 
 
It became apparent to me that certain things consistently worked, while others consistently did not. I wanted to understand which variables drove success and why. Realizing these constants, I also wanted to apply the same principles to the realm of personal finance. 
 
In pursuit of this knowledge and understanding, I went on to earn a bachelors degree in Public Affairs from Baruch College. My calling became clear. I wanted to share my new-found grasp of personal and business financial planning with others. 
 
I began my career in 2006 with NL Financial Alliance, I hold a Life, Accident and health insurance license in four states: NY, NJ, CT and MD. I also hold my series 6 and 63 licenses. I am committed to serving my clients and to creating partnerships based on trust and results. My goal is to utilize my knowledge and experience to help my clients, friends, and family achieve their maximum financial potential.

Our services encompass: 
 
Individuals: 
 
-      Life Insurance
-      Health Insurance/ Medicare Supplement/ Advantage Plans
-      Retirement Planning
-      Disability Insurance*
-      Long Term Care *
-      Investments**
-      Annuities
-      College Funding
 
Business: 
 
-      Pension Planning (Q/NQ)
-      Business Succession
-      Key Employee Insurance
-      Buy/Sell Agreements
-      Group Health/Life/Disability Insurance
 
*Long term care and disability insurance are available through representatives who are independently connected with one or more insurers who provide these types of insurance contracts. These contracts are not underwritten nor issued by NL Financial Alliance or Luba Financial. 
 
Luba Winegardner is a Registered Representative and Investment Adviser Representative of Equity Services, Inc. Securities and investment advisory services are offered solely by Equity Services, Inc. Member FINRA/SIPC, 733 3rd Ave., 2nd Floor, NY, NY 10017 (212)-661-1600. Luba Financial is independent of Equity Services, Inc. 
 
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