A diversified team of professionals to counsel you on the

most important decisions of your life.

Who are we?

     If the last century is any indication, we are headed for exciting times in the decades ahead.  There will be new technologies to make our every day lives easier.  We can expect breakthroughs in medical research that will astonish us and give millions more hope for healthy, longer lives.

     As these years pass there are many life-changing decisions that you will face:  financial planning, home matters, health care, and legal issues to name a few.  To face this journey, a helping hand from a trusted and specialized associate can provide you with professional guidance, customized services and - most importantly - peace of mind.

     The Lifetime Planning Group is that helping hand. We are a team of counselors;  a team that can guide, advise and help you as you make these decisions.

The Lifetime Planning Group can provide you with assistance in the following areas:

Real Estate Sales Associate

Anita Crago, Sales Associate with Coldwell Banker Real Estate and leader of the Lifetime Planning Group provides her clients with an emphasis on delivering truly remarkable service.  Her experience knowledge and effort are unmatched in the real estate industry - and the results speak for themselves.  Even more important, Anita has earned the designation of Senior Real Estate Specialists (SRES) by having gone to specialized training courses to uniquely understand the needs of today's mature homeowner.

Real Estate Concierge

Buying or selling a home can be an overwhelming experience.  Often, our clients come to us for advice on locating services to help them before, during and after their move.  That's why the Coldwell Banker Concierge Service was created.  Directed in Pittsburgh by Penny Kennedy - a member of the National Concierge Association - the Coldwell Banker Concierge Service can help you with many of the extra concerns that come with making a major life decision, estate sales and home repairs.

Click here for Concierge Services

Mortgage and Home Financing

Coldwell Banker Mortgage has pioneered the concept of convenient home financing.  Through its unique "Phone In, Move In" service, Coldwell Banker Mortgage offers clients same day loan approval.  It's all done from the convenience of your phone using a toll-free number and takes about 20 minutes.  Click on the "Mortgage Info" link above for more information on Coldwell Banker Mortgage.

Legal Advice

Thomas Michalek is an attorney with nearly 30 years experience in estate planning, drafting of powers of attorney, wills and trusts, consultation regarding medicade eligibility, and other matters of concern to seniors and their families.  He is a long-term member of the AARP Legal Services Network.  A valuable member of the Lifetime Planning Group, Thomas offers clients a trusted resource for legal advice.

Financial Planning

With over 30 years experience in the public and private sector, Jim Verlato is an understanding and knowledgeable Certified Public Account.  Jim has extensive experience in tax and retirement planning for seniors. He has helped seniors integrate their tax and investment strategies to meet their short and long term goals.  His approach to retirement planning is both unique and effective so that each client has a complete understanding of their financial situation and the choices they can make.

Long-Term Care Insurance

Since 1987 the S.L. English Agency has offered solutions in senior health care.  To Sheila English, long-term care is not about insurance, its about solving problems.  She is an accredited CLTC (certified in long-term care), and brokers coverage with many top companies.  She has personally advised through TV, radio and educational seminars.  Sheila's dedication and expertise offers peace of mind that comes only with professional planning.  

We have prepared a program available to groups, such as seniors, in townships, church groups, and various clubs.  To learn more about the services that The Lifetime Planning Group can offer you or your family members, please contact Anita Crago.

412-344-0500 Ext. 253