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Michael Lutz

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Background & Family Life

Michael Lutz values hard work, adaptability, and commitment to family. Born and raised in Dallas, Texas, Michael’s journey through life has been marked by a diverse range of experiences that have shaped his perspective on finance and retirement planning.

After graduating from W.T. White High School, Michael ventured west to Los Angeles, California, where he spent nearly a decade immersed in the dynamic world of the TV and film industry. His roles as an actor, producer, and casting coordinator exposed him to the glamour and unpredictability of Hollywood, but Michael’s thirst for knowledge and his desire to make a lasting impact on people’s lives led him on a new path.

When Michael made the pivotal decision to transition to the finance industry, he realized his calling lay in working to help others find peace of mind about their financial future. Returning to his hometown of Dallas, he pursued higher education at the prestigious Cox Business School at Southern Methodist University (SMU), where he earned a degree in finance. This educational foundation would become the bedrock upon which he would build his career as a retirement planner.

Today, Michael lives in Trophy Club, Texas, alongside his loving wife, Lori. Together, they are the proud parents of two bright and beautiful sons, Jordan and Riley, who are now aged 7 and 4. Michael’s commitment to family extends beyond his own household, as he passionately works to plan the financial futures of countless families in his community.

“At the heart of Michael Lutz's career as a retirement planner lies a steadfast commitment to doing what is right for his clients. His unwavering dedication to their best interests is the guiding principle that shapes his every decision and action. Michael works diligently to empower his clients by keeping them informed and educated about their financial plans so they can have financial peace of mind and enjoy their second childhood without parental supervision to the fullest.”

– Ken Moraif

Business Philosophy

Having spent five years as an investment consultant, Michael worked with advisors across the industry, helping them build their portfolios, implementing new business strategies, and reaching their clients with timely and relevant information. This behind the scenes look provided Michael with in-depth insight into the financial industry. He observed a troubling trend where some financial professionals practicing without a fiduciary duty to their clients were able to prioritize their own financial gain over the well-being of their clients. This stark realization was a catalyst for his transition into the role of being a registered investment advisor, driven by a deep-seated desire to practice in a role that ensures that those approaching retirement age receive the service and guidance they truly deserve.

Michael’s journey led him to Retirement Planners of America, where he feels the firm’s core values mirror his own convictions. He resonated deeply with their unwavering commitment to putting the client first, a value he holds dear. His alignment with RPOA’s mission further solidified his belief that financial planning is not just about numbers; it’s about people and their dreams.

In his role, Michael believes that transparency and education are crucial elements in building trust and helping clients achieve their retirement goals.

Education

SMU, Cox School of Business – Bachelor of Finance

Certified Financial Planner®

Prior Business Experience

Investment Consultant, Fidelity

Financial Advisor, Fisher Investments

Financial Advisor, Westlake Wealth Management

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