Would you like to worry less and enjoy life?
If you worry about your financial future. We can help.
If you worry about your financial future. We can help.
Lawrence Financial Planning is a fee-only financial planning firm located in Tampa, Florida. Lawrence Financial Planning was opened to provide you with the kind of financial help you really need. As a fee-only planning firm, our goal is to help you prepare for your financial future.
Our role as planners is to help you figure out where your money goes every payday, how to save for retirement, can you pay for college, how do you pay less taxes, and what is the best plan to protect your family if something happens to you. Yes, we also help with all those other decisions such as where to invest your 401k, reducing school loans, what to do with stock options, how to invest your retirement savings, and many others.
When you talk with us, we will provide you with straightforward solutions, no sales pitch, no commissions. We charge a flat fee that is calculated based on the complexity of your work, which includes what you own, what you earn, and other factors. The fee does not go up and down based on the performance of the stock market.
If you feel you can use guidance with your finances, some great ideas to improve your financial life, and a partner who wants to help you succeed, come visit us at Lawrence Financial Planning.
So, what is the first step? Come in and visit us. There is no obligation, and it gives you a chance to talk over your issues with us before deciding if we are a good fit for your needs.
Before your visit, we’ll ask you to complete a questionnaire and share some tax information. This allows us to prepare our questions for the meeting and provide you with a fee quote.
During our first meeting, we’ll go over your financial concerns and objectives and the solutions we may provide. If we decide we would like to work together, we can discuss how to take the worry out of your financial future and how we can help you achieve the financial independence you desire.
As a fee-only, independent financial planning firm, we understand that one plan does not fit all. However, these are some of the areas we can help in:
Our most important service is making sure that you make the changes in your life that you need to be successful.
What is a flat annual fee?
We work with you one year at a time. You pay us an annual fee, which is billed quarterly, for the work that we do for you. We call this a flat fee. Paying this fee means that you have access to us throughout the year for financial assistance you may need.
How is the annual fee calculated?
The fee is calculated based on a combination of the complexity of your work, your earnings, and what you own. Our minimum annual fee for a new client is $10,000.
How we do not get paid.
We do not receive commissions. We do not sell products. We do not charge you a percentage of your investments under management.
CERTIFIED FINANCIAL PLANNER™ professional
PRESIDENT
Julie Lawrence opened Lawrence Financial Planning in 2009. She has been a financial advisor since September 2003. Julie passed the rigorous, ten-hour comprehensive CFP® Board examination in 2003. She holds a B.A. in Management from National Louis University.
Both Julie’s professional experience and life skills have prepared her to be a financial advisor. She has ushered clients through both bull and bear market cycles while providing advice on areas such as investment management, retirement planning, executive compensation, and wealth accumulation.
Julie has been quoted in Financial Planning magazine, Investment News, NAPFA Advisor magazine, the Saint Petersburg Times, MSNMoney.com, the Chicago Tribune and FinancialPlanning.com. She serves as a mentor for for new planners for the Alliance of Comprehensive Planners and is a member of NAPFA.
Julie has lived in Florida since 1977. She has three children. In her spare time she practices yoga, walks, kayaks, and travels.
(Financial Paraplanner Qualified Professional™)
ASSOCIATE ADVISOR
Christina Caffrey is an Associate Advisor and the Operations Manager for Lawrence Financial Planning, LLC. She has been with the firm since 2010.
Christina completed her courses and passed the exam to become a Financial Paraplanner Qualified Professional with the College for Financial Planning in 2011.
Christina works directly with clients to open new accounts, transfer existing accounts, process Required Minimum Distributions (RMDs) and set up account contributions and withdrawals. She communicates with clients to help implement their plans. She also serves our clients by updating account information, preparing meeting materials, creating, and assembling financial reports, and conducting client specific research.
In addition to her client work, Christina manages our team and oversees the day-to-day operations of Lawrence Financial Planning.
Prior to joining Lawrence Financial Planning, Christina worked in the real estate field for over ten years.
Christina lives with her husband and daughter. She enjoys being outdoors, reading, listening to music, and watching baseball.
(Enrolled Agent)
ASSOCIATE ADVISOR
Bria Goldberg is an Associate Advisor with Lawrence Financial Planning, LLC. She joined our firm in 2015.
She graduated from the University of South Florida with her BA in History. Bria passed the rigorous examination to become an Enrolled Agent in 2020.
An Enrolled Agent (EA) is a federally authorized tax practitioner who has technical expertise in the field of taxation and who is empowered by the U.S. Department of the Treasury to represent taxpayers before all administrative levels of the Internal Revenue Service for audits, collections, and appeals.
Bria works directly with clients to open new accounts, transfer existing accounts, process Required Minimum Distributions (RMDs) and set up account contributions and withdrawals. She communicates with clients to help implement their plans. She also serves our clients by updating account information, preparing meeting materials, creating, and assembling financial reports, and conducting client specific research.
In her free time, Bria enjoys cooking, baking, and reading.
(Financial Paraplanner Qualified Professional™)
ASSOCIATE ADVISOR
Jack Murray is an Associate Advisor with Lawrence Financial Planning, LLC. He joined our team in 2021.
Jack graduated from Brigham Young University-Idaho with a BS in Finance. He was a member of the Wealth Management Society.
He completed his courses and passed the exam to become a Financial Paraplanner Qualified Professional with the College for Financial Planning in 2020. He passed his Series 7 & 66 in 2020. He is now taking courses to become a CFP® .
Jack works directly with clients to open new accounts, transfer existing accounts, process Required Minimum Distributions (RMDs) and set up account contributions and withdrawals. He communicates with clients to help implement their plans. He also serves our clients by updating account information, preparing meeting materials, creating, and assembling financial reports, and conducting client specific research.
In his spare time Jack loves spending time with his beautiful wife and son. His passions include outdoor activities such as backpacking, hiking and fitness.
Kyle Sheldon-Chandler has been with the firm since its inception in 2009. During this time she has served as an administrative assistant, scheduler, and paraplanner.
Kyle has been in the administrative support field for more than 30 years. She graduated from AssistU in 2003 as a Virtual Assistant. In addition, Kyle has a BBA and AA in Business Administration /Management and became a Financial Paraplanner Qualified Professional in 2012.
Kyle loves to fish, camp, hike, and ride her motorcycle or dirt bike in the desert. She and her husband have 3 children and 3 grandchildren.
The National Association of Personal Financial Advisors (NAPFA) is proud to have a membership of financial planning professionals who are committed to the highest of professional standards and principles. Members strive to be the:
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Alliance of Comprehensive Planners (formerly the Alliance of Cambridge Advisors) is a community of fee-only financial planners who believe clients are more than numbers. ACP members provide retainer-based services to manage clients’ whole financial picture, from estate planning to taxes. 
A financial advisor held to a Fiduciary Standard occupies a position of special trust and confidence when working with a client. As a Fiduciary, the financial advisor is required to act with undivided loyalty to the client. This includes disclosure of how the financial advisor is to be compensated and any corresponding conflicts of interest.
