Financial Planning in Johnson City | Legacy Life Planning

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

[email protected]

423-341-8601

Hours

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 pitche

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 403(b) options, and still feel like they should be further ahead financially. Lance helps healthcare and education professionals layer additional wealth-building strategies — 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

Does Tennessee have a state income tax?

No. Tennessee is one of nine states with no state income tax on wages or salary. That means Johnson City residents keep more of their income than residents of most other states — but it also means that every dollar saved through proactive tax strategy comes entirely from federal tax reduction, not state. For high earners and business owners in Johnson City, that makes federal tax planning the single most impactful financial lever available.

Is a 403(b) through Ballad Health or ETSU enough to retire on?

For most people, no — not by itself. A 403(b) provides tax-deferred savings and sometimes an employer match, but it caps annual contributions, ties all growth to market performance, and creates a taxable event when you withdraw. It doesn’t address mortgage debt, tax exposure during your working years, or wealth-building outside of retirement restrictions. Most Ballad Health and ETSU employees Lance works with have a 403(b) and still have significant financial gaps that the plan doesn’t touch.

Where is Legacy Life Planning located in Johnson City?

The Legacy Life Planning office is on South Roan Street in Johnson City, Tennessee. In-person consultations are available by appointment. Virtual meetings are also available for clients who prefer to meet remotely. The first consultation is free regardless of format.

What makes Johnson City a good market for financial planning?

Johnson City anchors the Tri-Cities region and is home to ETSU, Ballad Health’s flagship medical center, and a growing small business ecosystem through Innovation Valley. The combination of university employment, healthcare sector wages, and entrepreneurial activity means a large share of the workforce has meaningful income to plan around — and, in most cases, no one has helped them structure it. That gap is what Lance’s practice is built around.

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

https://maps.app.goo.gl/2qmtoeS3arCLv29A6

Public Parking Lot – Tipton Street

https://maps.app.goo.gl/zPz5asLhcqEW4oJi9

Main and Market Street Parking Lot

https://maps.app.goo.gl/zFsSyz9SvYwhQsw16

What 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 will all the cash your 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

Mr Evans was very helpful with my tax planning benefits. He made it easy to file and helped me every step of the way.

John Hales

Lance was super helpful in getting my fathers living will done at a fraction of the cost of local attorneys. Now my dad has online access to update his will as many times as he needs. Will use again for my personal will.

Travis Blount

Lance offers extreme customer service for his clients. He is a trusted resource for the planning that goes along with your changing life’s needs. None better.

Larry Ross

I would highly recommend Lance! He helped us with ERTC. It is great to work with someone so knowledgeable and experienced. He kept us informed every step of the way.

Tom Mann

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 you can grow your money with confidence and clarity. Let’s put your hard-earned dollars to work—for YOU.