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About Us
Troy Barrow, LUTCF - Founder & Principal Advisor
Helping You Turn Income Into Independence—One Decision at a Time. Guiding Your Path. Building Your Future.
At Life Capitalized Financial, the story starts with you. You’ve worked hard to build your income, grow your business, or serve your country. But now you're asking bigger questions: Is my money working as hard for me as I’ve worked for it? Am I prepared for the next chapter—retirement, legacy, or the unexpected? - That’s where we come in.
Founded by Troy, a fiduciary financial advisor with over 18 years of experience, Life Capitalized Financial was built with one goal: to give people like you a smarter, more confident path to financial freedom. Whether you're navigating the complexities of federal benefits, structuring a tax-smart retirement income plan, or protecting your estate for future generations, our approach is grounded in clarity, education, and actionable strategy.
Troy holds the LUTCF designation and the FINRA Series 65 license, and brings a unique dual background in insurance and investment advisory services. He partners with high-income professionals, federal employees, and business owners to design customized strategies that simplify decisions and amplify long-term results.
At Life Capitalized Financial, your values shape the plan. Your goals drive the strategy. And your confidence is the priority.
This isn’t just about money—it’s about making life’s biggest financial moves with purpose, not pressure.
Who we serve
We understand the challenges of navigating today's complex financial landscape. Whether you're a busy parent, a high-earning professional, a federal employee, a business owner, or a retiree seeking stability, we're here to guide you toward a more secure future by providing comprehensive financial strategies.
How we serve
Our team is passionate about helping you achieve your financial goals with integrity, transparency, and confidence. We'll simplify complex concepts and build financial strategies to navigate the markets alongside you.
Let Life Capitalized Financial be your partner on your path to financial independence.
Life Capitalized
We believe having access to capital is key to financial security. That’s why our Life Capitalized strategy offers personalized financial solutions using permanent cash-value life insurance from reputable companies.
Discover the wealth-building potential of our Life Capitalized strategy.
Here are some of the benefits :
- Unlock Financial Possibilities: Access funds for your business, education, or retirement plans.
- Build a Financial House: Leverage compound interest and tax-smart planning to grow wealth and reach financial goals.
- Secure Your Financial Future: Safeguard your financial well-being while enjoying the confidence of knowing your future and that of your loved ones are protected.
Portfolio Development
After providing solutions for your financial foundation, we implement personalized Investment Advisory guidance to help you build your portfolio and work toward financial independence.