Financial Services in Grandville & Grand Rapids, MI

Lubbers & Associates brings personal and business financial needs together under one independent roof. Whether you're planning for retirement, sorting out Medicare, protecting your family, or guiding a business through a major transition, we help you weigh the options and choose what actually fits — without a quota steering the conversation.

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The Independent Advantage

As an independent financial office, we answer to you—not a corporate parent or product quota. This freedom allows us to search the wider market for solutions that truly align with your goals.

No Product Quotas

We have no proprietary products to push. Our recommendations are based solely on your financial well-being.

Local Expertise

Proudly serving the Grandville and greater Grand Rapids community with personalized, face-to-face service.

Holistic Approach

We coordinate your personal, business, tax, and insurance needs under one cohesive strategy.

For Individuals & Families

Securing your personal financial future with tailored strategies for every stage of life.

Financial Planning

A coordinated look at where you are and where you're headed.

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Retirement Income Planning

Turning savings into dependable, lifelong income.

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Medicare & Medigap Supplements

Clear guidance as you approach or enter Medicare.

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Life & Health Insurance

Coverage matched to your stage of life and family needs.

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Long-Term Care Insurance

Planning for care costs before they arrive to protect your assets.

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Personal Tax & Savings Planning

Strategies to keep more of what you earn and grow your wealth.

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For Business Owners

Business Valuations

Understanding what your company is worth in today's market.

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Employee Benefit Plans

Group health, life, and ancillary benefits to attract and retain top talent.

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401(k) Evaluations & Consulting

A second opinion on your company's retirement plan design and fees.

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Business Tax Planning

Coordinating tax strategy with your CPA and advisors to maximize efficiency.

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Business Succession Planning

Preparing your business and family for the day you step away.

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Annuities & Income Security

Annuities offer a structured way to secure guaranteed income for retirement. Because we are independent, we provide access to a broad market of top-rated carriers and products, helping you find the right fit for your risk tolerance and income goals.

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Frequently Asked Questions

Have questions about how we work? Here are some common inquiries from our clients in Grandville and Grand Rapids.

What does it mean that you are an independent office?

Being independent means we are not tied to any single insurance company or financial institution. We can shop the entire market to find the products and strategies that best serve your specific needs, without any corporate quotas steering our recommendations.

How do I know if I need a financial plan?

If you are approaching retirement, navigating a career change, managing business growth, or simply want to ensure your family is protected, a coordinated financial plan provides the clarity and roadmap you need.

Do you charge for an initial consultation?

No, our initial conversation is completely complimentary. It's an opportunity for us to get to know each other, discuss your financial situation, and see if we are a good fit for your financial journey.

Not sure where to start?

Most people don't fit in a single box — and that's fine. Tell us what's going on, and we'll help you figure out which conversation to have first.

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