Helping You Create the Retirement Income You Deserve, So You Can Enjoy What Matters Most!
About Us
Camino Advisory Group is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement.
Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
Take Control, Optimize Income, Clarity Now & Tomorrow
- Take control of your finances after divorce or the death of a loved one
- We take the confusion out of turning assets to income
- Clarity for today and tomorrow
Planning Process
Retire with Confidence.
Start Smart
Get a Clear Understanding of Your Financial Life
Six Fundamental Financial Planning Considerations
Longevity
Outliving financial assets as the result of a longer life
Liquidity
Limited access to assets to meet life’s unexpected financial needs
Inflation
Reduction in real purchasing power as the result of increasing cost of living
Market
Unexpected reduction in the value of financial assets at the time of withdrawal
Mortality
Unexpected reduction in the value of financial assets at the time of withdrawal
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes
A Retirement Strategy Designed for You
College Funding
Make the investment in your child or grandchild’s future with the gift of college education through life insurance.
Income planning
Design an income plan that delivers dependable income and financial security throughout your retirement.
Legacy and estate planning
Design an income plan that delivers dependable income and financial security throughout your retirement.
Tax Planning
Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.
Social Security Optimization
Understand the benefits you are entitled to and how to maximize Social Security income in retirement.
401(k) Savings Optimization
Increase your or your loved one’s future retirement income with a tax-efficient, capital-leveraging strategy.
401(k) Manuever,
401(k) Weekly blog
A Retirement Strategy Designed for You
College Funding
Make the investment in your child or grandchild’s future with the gift of college education through life insurance.
Long-Term Care Planning
Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.
Medicare planning
Design an income plan that delivers dependable income and financial security throughout your retirement.
Life Insurance
Protect your estate and loved ones from unnecessary taxation and probate with proactive estate plannings strategies.
Annuities
Establish tax planning strategies today for greater tax efficiency and financial flexibility later in retirement.
Health Insurance
Understand the benefits you are entitled to and how to maximize Social Security income in retirement.
401(k) Savings Optimization
Increase your or your loved one’s future retirement income with a tax-efficient, capital-leveraging strategy.
401(k) Manuever,
401(k) Weekly blog
Communicate Progress
Our Commitment to You
- Annual Review
- Monthly Newsletter
- Client Portal
- Educational Events
- Client Events
Team
John Lawrence, Founder and President
I started Camino Advisory Group after spending over 30 years in the financial services industry. During my career, I noticed some issues with how financial advisors provide advice, especially in big firms. Here’s what I observed:
- Lack of Fiduciary Standard: Big firms claim to follow a fiduciary standard, legally bound to act in the client’s best interest. However, in reality, advisors are often limited by the company’s preferences, offering products and services based on a pay-to-play system.
- Preferred Vendor Lists: Advisors are directed to use preferred vendors, who pay the firm higher compensation. Bonuses based on production are not disclosed to the advisor or the client, leading to potential conflicts of interest.
- Pay-to-Play System: Advisors frequently switch firms not for better service but due to contractual relationships. New firms pay advisors a significant sum to bring their client base, benefiting both the advisor and the new firm, but raising questions about who bears the cost.
- Client Disputes: When an advisor leaves a firm, client lists are divided or legal disputes arise, leaving clients and advisors in difficult situations due to the institutional systems.
My pilgrimage on the Camino de Santiago de Compostela in Spain allowed me to break free from work-related thoughts. It inspired me to create a client-oriented system, free from bias and conflicts of interest. I am a truly independent advisor, committed to a fiduciary standard, focusing on helping clients achieve a sustainable retirement income.
- 33 years in the financial services industry
- Chartered Financial Consultant (ChFC)
- Institute of Financial Wellness (IFW) Certified Financial Professional
- Number one independent 401K blog on Google
- 5 Star Rated on Google Reviews
Mikki Lawrence, Co-Founder and Medicare Specialist
Mikki Lawrence worked for 15 years in the marketing and advertising community, including being a co-owner of a small ad agency. She then dedicated 13 years to being a stay-at-home mom and caregiver to her mother, which led to a transition into the healthcare industry. In 2022, Mikki joined John to handle the Medicare side of Camino Advisory Group.
Blogs
Featured Financial Articles.
Mortgage rates in 2024: Insights and Predictions for Homebuyers
As we look into 2024, predicting the trajectory of mortgage rates has never been more critical for prospective homebuyers.
Unlocking the Benefits of Annuities in Retirement Planning
Financial independence is an integral part of a comfortable retirement. Therefore, investing in strategies that guarantee a consistent income…
Smart Money Moves: Financial Tips for Building Your Vacation Fund
An escapade to an exotic getaway or a relaxing vacation provides an opportunity for rejuvenation.
Critical IRS Update: Understanding 2025 Revenue Proposals
The IRS regularly introduces modifications to tax laws, and understanding them and their potential aftermath is crucial.
