Planning For Your Future

We tailor our services to meet each client’s needs.

Retirement Planning

Whether you are already retired or thinking about retirement, I will help guide you to ensure you accomplish your retirement goals. It’s never too late to plan or too early to think about planning. At whatever stage of life you are in, we will take a holistic approach to understand your situation and build a unique plan that fits your financial strategy.

Through our conversations, we’ll determine your retirement needs, maximize your plan, and design a retirement income strategy that keeps you on track to live the retirement of your dreams.

You may be thinking about paying off your mortgage, saving for college, or enjoying the “now”, all while thinking about your retirement goals. Let’s face it, retirement planning is an emotional and personal journey that is different for everyone. It helps to have a financial advisor, a confidant, that works with you through the process of building a unique plan that helps make you feel secure, protected, and valued.

Wealth Management

Understanding your wealth management strategy has less to do with the numbers on the paper and more to do with who you are and where you are in your life. I am here to help you understand what wealth management means to you, beyond the quarterly returns, it may be about the  vacation you can take with your family, your income strategy remaining stable despite market fluctuations, or your ability to make a large charitable gift.

I like to think about wealth management as the ‘how’ to making retirement planning happen for you. I work to understand your unique needs and goals to provide customized solutions that address your unique situation relative to investment objectives, tax sensitivities, income needs, and risk tolerance.

As a fiduciary financial advisor, I am dedicated and legally obligated to act in your best interest when offering investment advice and managing portfolios. It is important for me to be in constant communication with you and to understand any life changes to make sure your wealth management strategy remains aligned with your goals. I am focused on protecting your income and preserving your assets to see you through all stages of your financial journey.

Financial Plan Development

Financial planning is important for all individuals no matter what stage you are in your life. Whether you are planning for life events like paying for your child’s education, buying a home, selling a business, trying to retire, or reeling from the loss of a loved one – it is my job to work within your reality. I take the time to understand your goals and unique needs, evaluate your current financial state, and align all areas of your financial picture to develop a plan customized to your life situation. Financial planning requires a long-term, trusted partnership that entails continued monitoring of your financial goals so that we can continue to empower you along the way.

I will walk you through the decision making process and discuss ramifications of financial decisions. Without judgement, I make sure you have a clear picture of what your financial plan will look like based on different choices you make now. We will plan for changes in your finances and the market and be in constant communication to discuss hurdles and opportunities that may arise. A well outlined plan allows you to have a clear vision for the future.

Estate Planning

Estate planning is for everyone, not just about wealthy individuals. It is important to make sure you have the right plan set up should the unexpected occur…and this applies to everyone. We will discuss end of life planning, legal documents, beneficiaries, and make sure assets are transitioned in the most tax efficient way. When a client passes away, my job is just beginning. I help families make financial decisions on their new reality while guiding them with a compassionate helping hand. It is important to plan now to empower you and your loved ones to ensure a positive outcome in the future.

I pride myself on taking care of people and being the resource for your loved ones to rely on after you are gone. I work with families who put their trust in me to be the one who is there to support them and help them take care of next steps and guide them on tough decisions. I provide a higher level of service, a personal relationship if you will, when partnering with attorneys, accountants, and insurance agents to help your family make the best decisions after you are gone.

Building Financial Confidence for Women

Financial planning and building financial confidence for women is personal to me because when I was a teenager, my father suffered back-to-back strokes that left him bedridden and unable to communicate for over seven years. I saw firsthand the financial and personal struggles when a loved one becomes chronically ill and disabled.  I am dedicated to helping my clients avoid the financial heartache that results from such unforeseen tragedies. I want to make everyone’s retirement fulfilling and our planning together can get you there.

I have worked with couples that want to make sure their spouse is taken care of, women who are recently widowed, or divorced and the message remains the same: I want women to know that they have options and can build a plan with confidence so that they can live a fulfilled life. As a financial advisor, I am here to guide and support all clients through the process so everyone feels that sense of security and confidence in their financial future. It is my passion to help individuals, families, and women in their financial planning so they know they are in good hands no matter what situation they come across.

How We Work

Discovery

We will organize an introductory meeting to get to know each other in a comfortable setting.  Together, we will define your personal and financial goals over a short and long-term period and discuss your feelings regarding investment risk, tax sensitivities, and income needs.

Analysis

We gain a better understanding of your current financial landscape by reviewing your key financial information. Depending on your goals and alternate life scenarios, we’ll analyze your assets and establish a multi-layered view to inform the best strategy for you.

Planning & Strategy

Together we review the financial strategy and recommendations based on our past conversations. We’ll explain the rationale so you can make informed decisions. We’ll make any adjustments and implement the plan upon approval.

Long-Term Guidance

We stay connected as you work toward your goals. As your advisor, I will monitor your progress and check in regularly to review and adjust your plan based on any events or changes that have occurred in your life.

We know every financial situation is unique.

We consider everything from your child’s college education savings, to buying that dream vacation home. Even early retirement! We specialize in helping business owners, women, and professionals design, pack, and deploy their own golden parachute for retirement. Every client interaction is met with the same guiding principles: a relationship built on trust, easy accessibility, a client-first mentality, and clear communication.

Our Approach

We understand the stress that comes with financial planning for your future. You need a strategy that you can depend on to ensure you have the financial stability to live your life to its fullest. We put your needs first by performing a holistic review of all your future goals and expectations. We look at your current financial situation and retirement goals to tailor a plan that is diversified and within the risk tolerances of the client.  We provide a personal touch with sophisticated knowledge of financial markets.

Personalization

We treat you as a person, not a number. We listen to your past experiences and act as your ally to improve the quality of your financial life. We establish a solid plan for all potential scenarios that could unfold in your personal life. No matter what decisions you make, we have a strategy that is right for you.

Our Dedication

We are committed to your plan for the long-term. We check in with you throughout the year to make sure you are on track and make any necessary adjustments based on life changes. We give our clients what their current advisors haven’t… an exit strategy. We start with the end in mind and lay out a strategy to get you there. We provide the light at the end of the tunnel.

Proudly planning for the future of clients living in AL, CA, FL, GA, IL, IN, MA, MD, MI, MN, NC, NE, NY, OH, OK, PA, SC, TX, and WV. If you don’t see your state listed, please contact us.

Check the background of investment professionals on FINRA’s BrokerCheck.

Danielle Lucht, RICP®

Financial Advisor
danielle@everwellfinancial.com

My Experience

With over 16 years in corporate financial planning, I founded Everwell Financial to provide a different approach to helping clients improve their financial lives. With a passion for helping people design their future and a longtime advocate of comprehensive planning, I will connect with you personally to ensure you have the right plan in place to achieve your goals. When I was a teenager, my father suffered back-to-back strokes that left him bedridden and unable to communicate for over seven years. The shock waves were felt in every corner of my family’s life. I am dedicated to helping our clients avoid the financial heartache that results from such unforeseen tragedies.

I am proud to say that I am a native of the Metro DC area. My educational background took me from Maryland, then Virginia. I earned my B.A. from The Catholic University of America. I also hold a M.A. in Journalism from New York University. In addition to my RICP (Retirement Income Certified Professional) designation from the American College, I also hold FINRA Series 6, 7, 63 & 66 securities registrations.

Top of the Table Member of MDRTI am honored to be a Top of the Table Member of Million Dollar Round Table (MDRT). Top of the Table is an internationally recognized mark of excellence reserved for the most successful in the financial services industry. I am proud to be among the top professionals in the intensely competitive global life insurance and financial services industries.

My Interests
  • I am a parishioner of St. John XXIII Catholic Church.
  • My son Jackson keeps me busy with soccer, school activities, and frequent trips to Disney World.
  • I love running! I have completed several half and full marathons. Next up, a triathlon.
Why I Founded Everwell Financial?

It is personally rewarding to make a connection with people and see them reach the goals we discuss together. The opportunity to provide a positive influence on the people I meet is unparalleled.

Only 15% of all financial advisors are women. Founding Everwell Financial provides the opportunity to recruit and build a practice of female advisors.

It’s important for me to empower women with the knowledge to make important financial decisions.

Martha Lovley

Executive Assistant
admin@everwellfinancial.com

My Experience

I am a transplant from New England to Fort Myers as May of 2019. I worked in the financial services industry in Boston, MA for a nationally charted bank for 33 years. My role there was as a Senior Trust Officer which found me doing project and relationship management for the bank’s high net worth families. I administered complex trust accounts and relationships while collaborating with colleagues and clients’ other professional advisers to address the financial, legal, tax, and philanthropic needs of multi-generational families.

My Interests
  • My catholic faith.  I am a parishioner at St. John XXIII in Fort Myers where I provide service to the community as Lector, Music ministry and Facilitating bible studies.
  • I am a certified 200-hour Hatha yoga teacher. I am in school presently to learn Yoga therapy.
  • Singing, dancing and listening to any and all music.
  • Bird watching/listening.
  • Nature – particularly sunset walks on Bowman’s beach.
  • Volunteering time and talent to non-profit organizations.
What I Like About Everwell Financial?

I believe in Danielle Lucht.  She is passionate about helping people plan and invest for retirement.  She looks at their current financial situation, retirement goals and tailors a plan that is diversified as well as within the risk tolerances of the client.  She cares about her clients, their interests and their passions.  She provides the personal touch with sophisticated knowledge of financial markets that sets her in an elite group of industry advisors.

I am excited to be a part of the launch of Everwell Financial, assisting Danielle and providing the personal touch service that people deserve.

Diane Marabella

Administrative Assistant
diane@everwellfinancial.com

My Experience

I am originally from New York and lived out on the Island in the Commack area for over 20 years.  My husband and I moved to Florida in 1990 and never looked back.

I have been in banking and the financial field for 30 years, starting from a Teller and promoted to Assistant Vice Pres. Branch Manager and also working for a brokerage firm as a Branch Office Administrator. I also worked in the mortgage field for 8 years from closing loans to warehousing for a lender.

I hold many awards and certificates for my excellent customer service, team work, and exceeding my individual goals.

My Interests
  • Volunteering my time for non-profit organizations.
  • I am a devoted Mother, Grandmother and Great Grandmother.
  • A passion for animals with dogs being number one and volunteer my services when needed.
  • Enjoy interior decorating.
What I Like About Everwell Financial?

My impressions of Danielle is that she places high priority on her customers and ensures that they are informed and helped with their financial goals.

She has the drive and passion to help clients succeed and feels utmost gratification in doing so. She also brings experience of 16 years of which will benefit her team and her clients.

I am excited to be part of the firm and to enrich myself with further growth of knowledge and expansion of the business. I feel that I am lucky to be on a team that shares my passion of customer service beliefs.

Contact Us

To arrange a consultation or ask a question.

Proudly planning for the future of clients living in AL, CA, FL, GA, IL, IN, MA, MD, MI, MN, NC, NE, NY, OH, OK, PA, SC, TX, and WV.

Phone: (239) 288-7054 | Text: (239) 356-8998
Hours: 9am – 4pm