Services & How We Work
Comprehensive Financial Planning
Lone Star Investments offers a comprehensive range of planning, investment, and protection services designed to fit your situation—not one-size-fits-all products. Every relationship begins with a written financial plan and a clear understanding of how we will work together.
Cash Flow & Budgeting
Emergency Savings & Risk Management
Education & 529 Planning
Major Purchases & Life Milestones
Debt Review & Payoff Strategies
Long-Term Goals
Planning is a paid service, which helps keep our recommendations focused on what is best for you.
Retirement Planning & Income Solutions
Retirement is a substantial transition into a new season of life. We help you:
Estimate retirement income needs and desired lifestyle
Coordinate employer plans, IRAs, and other accounts
Develop tax-aware withdrawal strategies
Evaluate Social Security timing options
Plan for longevity, inflation, and unexpected healthcare costs
Investment Management
Your investment strategy should match your goals, timelines, and comfort with risk—not the headline of the day. Our investment management includes:
Risk profiling and goal-based portfolio construction
Use of fee-based and commission-based solutions, where appropriate
Diversification across asset classes as suited to your plan
Ongoing monitoring and adjustments over time
Regular check-ins and clear performance conversations
Insurance & Protection
Protecting what you have built is just as important as growing it. We help you evaluate and implement:
Life insurance to protect income and provide liquidity
Insurance solutions that support legacy and estate goals
Coverage that aligns with your broader financial plan
Legacy & Farm Transition Planning
Many families in and around Albany hold significant wealth in farmland and related assets. When land values rise and sales or inheritances happen, the decisions can be complex. Our legacy and farm transition planning services include:
Legacy planning with proceeds from land sales
Financial and legacy planning following land transitions
Notary Services
As part of our commitment to convenience and service, we offer professional notary services for clients who need important financial or legal documents notarized as part of their planning.
Account Minimums & Getting Started
To protect the time and attention each client receives:
Standard Account Minimum
$50,000 in investable assets.
Starter path for newer investors
Begin with $500 and a structured monthly contribution plan aimed at reaching the standard minimum over time.
Our Planning Process
Intro Conversation
A no-pressure call or meeting to learn about your goals, your current situation, and what prompted you to reach out.
Discovery & Design
We gather statements, policies, and key details. Tonya then builds a written financial plan tailored to your needs.
Plan Review & Implementation
We walk through your plan together, answer questions, and decide which recommendations to implement and in what order.
Ongoing Review & Adjustments
Life changes, markets move, and goals evolve. We schedule regular reviews and stay available between meetings as questions arise.
Have you sold or inherited a farm?
See how we can help.
Are you just getting started with investing?
Let us help you.
Contact Us
Ready to Start Your Roadmap?
Whether you are already working with substantial assets or just beginning your investing journey, the first step is creating a plan that fits your life, your goals, and your values.
Reach out today.
Tonya McCampbell
Call
Text
(660) 202-8112