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Welcome to Life's Financial Solutions

We are a financial services firm whose office is based out of Washington Boro, Pennsylvania. We truly believe in educating retirees and pre-retirees about the importance of proper retirement income planning. It's never too late to improve your financial situation or your financial goals. 

Judy and Gary Spirk provide their clients with true knowledge so they can make better decisions regarding their finances. You've worked hard for your money, now it's time to enjoy life, and let your money work for you!

We are a proud member of the
safe money places Agent Network

Where We Help

  • Income Tax Preparation & Planning
  • Retirement Income Planning
  • Fixed Annuities & Index Annuities
  • Life Insurance Products
  • Medicare Supplements & Advantage Plans
  • Individual Health Marketplace Plans
  • Long Term Care Insurance & Alternative Planning Products

Where Does Your Retirement Plan Need Improvement?

Income Tax Preparation & Planning

Gary Spirk has over 40 years experience in getting his clients the maximum refund. He makes sure you pay the lowest rate as an informed taxpayer.

Retirement ​Income

Are you ready for safe and guaranteed returns on your money? If so, we will show you which income sources are considered "safe",  because they offer guaranteed returns on your money with no risk of losing principal.

Medicare Supplements

Medicare Supplement, Medicare Advantage, Part D drug coverage — the options seem endless! Don’t worry, our Medicareful website will help you.

Financial Protection

Everyone needs to protect their beneficiaries and nest eggs from financial burdens, such as healthcare cost and high taxation. There's a wide range of insurance products that provide solutions to help shield your money from

PERSONAL PENSION PLAN

Many pre-retirees and retirees are concerned that their 401Ks, IRAs, Social Security, and savings won't provide enough income. The Personal Pension Plan "fills the income the gap".

WEALTH TRANSFER PLANNING

Wealth Transfer is a financial concept that will help you preserve your nest egg and distribute it in  the most tax efficient way possible. This helps your heirs avoid the "Tax Time Bomb."

Resources

CONSUMER'S GUIDE:
​How to Generate Lifetime Income with Fixed Annuities

ASK US A FINANCIAL QUESTION

Everyone’s financial situation is unique and there is no such thing as a one-size fits all retirement plan. Ask us questions and get real answers. ​