Financial Planning for Individuals in Johnson City, TN
Lance Evans serves Johnson City business owners, healthcare professionals, and families with financial planning built around debt elimination, tax strategy, and guaranteed growth — not market guesswork. Free consultation available.
Strategic Debt Elimination, Tax Strategy & Wealth Building in the Tri-Cities
Feel free to reach out to us with any questions you may have. We want to hear from you!
Legacy Life Planning Johnson City
| Monday | 9:00 AM - 4:30 PM |
| Tuesday | 9:00 AM - 4:30 PM |
| Wednesday | 9:00 AM - 4:30 PM |
| Thursday | 9:00 AM - 4:30 PM |
| Friday | 9:00 AM - 4:30 PM |
Strategic Business Financial Planning in Johnson City, Tennessee
Johnson City is home base for Lance and Legacy Life Planning. Born and raised in the Tri-Cities, Lance has spent his career building financial strategies for the people he grew up around — business owners on State of Franklin Road, ETSU faculty and healthcare professionals at Ballad Health, entrepreneurs building companies out of Innovation Valley, and families who’ve worked hard and want something real to show for it.
This is the market Lance knows better than anyone. If you’re looking for a financial planner in Johnson City, you’re not getting a franchise rep with a script — you’re getting someone who’s invested in this community and will be here long after the plan is built.
The Johnson City Financial Landscape
Johnson City sits at the center of the Tri-Cities region and serves as a hub for healthcare, education, and small business. With East Tennessee State University, Ballad Health’s flagship Johnson City Medical Center, and a growing entrepreneurial ecosystem, the city attracts and retains a wide range of professionals — many of whom earn strong incomes but lack a structured approach to what happens to that income over time.
The financial questions Lance hears most often from Johnson City clients: How do I stop giving so much to the IRS? How do I pay off my house faster without changing my lifestyle? What happens to my business and my family if something happens to me? Is a 401(k) really the best I can do? These aren’t simple questions, and they deserve real answers — not product pitches.
Who Lance Works With in Johnson City
Small Business Owners
Johnson City has a strong small business culture, and those owners face financial decisions every day that most advisors aren’t equipped to help with — entity structure, business funding, tax strategy, owner compensation, and exit planning. Lance specializes in this space and works alongside your CPA to make sure every dollar in and out of your business is working as efficiently as possible.
Healthcare & ETSU Professionals
Johnson City Medical Center, Niswonger Children’s Hospital, and ETSU together employ thousands of professionals in the Washington County area. Many carry strong salaries, solid pension or 401(k)/403(b) options, and still feel like they should be further ahead financially. Lance helps healthcare and education professionals layer additional wealth-building vehicles — particularly tax-free growth vehicles — on top of what their employer already provides.
Families Building Toward Retirement
Whether you’re 35 or 55, the fundamentals are the same: eliminate debt faster, reduce your tax exposure, and build wealth in vehicles that protect you from market volatility. Lance has helped Johnson City families accomplish all three simultaneously, often without increasing their monthly outlay.
Services Available in Johnson City
FINANCIAL PLANNING
Pay off your mortgage and consumer debt in nine years or less, using a proven software-driven approach that maximizes every dollar already coming in.
BUSINESS FUNDING
Access to capital for Johnson City entrepreneurs who need to start, sustain, or scale.
INFINITE BANKING & IUL PLANNING
A cash-value life insurance strategy that builds tax-free wealth, provides liquidity, and protects your family — all at the same time.
TAX STRATEGY
Working alongside your CPA, Lance identifies and implements legal strategies to reduce what you pay in taxes and redirect that money toward wealth-building.
ESTATE PLANNING
Wills, trusts, and power of attorney documents that so your assets go where you want them to, on your terms.
Defined Benefit Pension Plan
A powerful tax-reduction tool for high-income business owners and professionals who want to maximize retirement contributions beyond standard plan limits.
Frequently Asked Questions
Protect Your Wealth, Eliminate Debt, Secure Your Legacy
As a business owner, you’ve worked hard to build your company. But are you taking the right steps to protect your wealth, minimize taxes, and secure your legacy?
At Legacy Life Planning, we understand the unique challenges and opportunities that come with entrepreneurship. That’s why we’re dedicated to providing comprehensive financial solutions designed specifically for business owners like you.
Lance Evans is your go-to guy for all things banking and insurance. Born and raised in Tri-Cities, Lance has built a reputation for being steady, trustworthy, and dependable. He is passionate about helping small businesses thrive by offering affordable commercial coverage, debt elimination programs, and employee benefit solutions. Lance’s attention to detail and big-picture thinking make him an invaluable partner for any business.
Outside of work, Lance loves spending time with his family, enjoying good food, and indulging in sweets (Don’t tell his wife Amy about the sweets). He is an avid traveler and loves to set sail on cruise ships to explore new destinations. Looking for a loyal friend and trusted advisor? Lance Evans is your man!
Learn more about Lance
Parking At Our Location
Cherry Street Parking
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Public Parking Lot — Tipton Street
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Main and Market Street Parking Lot
https://share.google/9ijKRsWWx7s0qsXzLWhat Our Clients Say
Lance is a quality person and professional who cares about helping others. If you need help eliminating debt he is your man. His program can save your $1000s in interest fees and trim YEARS off your mortgage. Don't call...RUN to see him. Imagine what you can do with all the cash you save! Literally life changing!
KINA DUTRO
Lance is awesome to work with. He's always available and has a proven track record of help clients achieve their goals. I would highly recommend to anyone.
TUAN NGYUYEN
Who We Are
At Legacy Life Planning, we’re here to serve you. With over 20 years of experience working with business owners, we understand the unique financial challenges you face. Our team is committed to providing tailored protection and guidance based on your specific needs and goals.
Our mission is simple: to help you achieve true financial independence—starting with smart strategies for debt elimination and long-term wealth building.
What We Do
Take control of your money and start building real, lasting wealth. We help you reduce the interest paid to lenders, access tax-advantaged benefits, legally protect your assets, and increase your cash flow.
Our approach isn’t based on risky or unpredictable investments. Instead, we focus on guaranteed growth—so your wealth can grow with confidence and clarity. Let’s put your hard-earned dollars to work—for YOU.
