Frequently Asked Questions

Below are answers to questions we hear most often from families and business owners across Grandville, Grand Rapids, and West Michigan. Browse a topic, or reach out and ask us directly — there's no cost to have a conversation.

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Financial Planning FAQ

What advisors do, when to start, and what to expect.

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Annuities FAQ

How annuities work and the main types.

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Medicare & Medigap FAQ

Supplements, enrollment, and turning 65.

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Insurance FAQ

Life, health, and long-term care basics.

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Business Services FAQ

Valuations, succession, and employee benefits.

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General Questions

Do I need a financial advisor?

Not everyone does — but most people benefit from a second set of experienced eyes, especially around major transitions like retirement, turning 65, changing jobs, or selling a business. A good first conversation should help you decide whether professional guidance is worth it for your situation. Ours is free and no-obligation.

What makes Lubbers & Associates different?

We're independent. We aren't captive to any single insurance carrier or product line, so our recommendations are built around your situation rather than a company's sales goals. You also work directly with the people making those recommendations — not a call center.

What areas do you serve?

We're based in Grandville and serve the greater Grand Rapids area, including Wyoming, Kentwood, Holland, and the surrounding Kent County communities across West Michigan.

Is the first consultation really free?

Yes. The first conversation is free and carries no obligation. We'd rather earn your trust over time than pressure you into a decision.

Still Have Questions?

We are here to help families and business owners navigate their financial futures. Reach out today to start a pressure-free conversation.

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