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About Our Firm
At Lloyd R. Wilson & Associates, we are dedicated to helping our clients conserve wealth and protect the extensive assets that have been built, in some cases, over several generations. Through his independent firm and as a member of The Nautilus Group®, Lloyd has access to some of the strongest professional resources in the nation to provide you with the most robust financial and insurance products and services available.
Our Mission
Our mission is to help our clients:
Protect their assets from excessive tax burdens and potential undesirable future creditors
Pass on their assets to their desired heirs in a manner that enables them to leave the legacy they intended
Ensure that their desires for charitable giving are crystallized and enabled to be continued for future generations
Lloyd R. Wilson, CLU®, AEP® President, Lloyd R. Wilson and Associates
For nearly 50 years, Lloyd R. Wilson has been designing and implementing strategies to help his clients conserve their wealth and transfer their assets to future generations and to the charitable organizations they support. He founded Lloyd R. Wilson and Associates in 1970, a financial firm that assists clients with the transference of wealth, the minimization of tax burdens, and the maximization of charitable contributions to public and private foundations and institutions.
In 1993, Lloyd co-founded The Nautilus Group®, a Dallas-based resource center that now employs specialists with backgrounds in law, taxation, accounting, and charitable planning to assist in the design and execution of these strategies. The Nautilus Group® is a service of New York Life Insurance Company and is an exclusive advanced planning resource for designing estate conservation, philanthropic and business continuation strategies.
Prior to entering the financial services industry, Lloyd completed his undergraduate studies at Auburn University and the University of West Alabama before attending Cumberland Law School. He then continued his education at The American College in Bryn Mawr, PA where he received his Chartered Life Underwriter (CLU®) and Accredited Estate Planner® (AEP®) designations.
In his free time, Lloyd enjoys Porsche racing with the Porsche Club of America and spending time with his wife, Sherry, and his three children, Reed, Jennifer and Kelly. He is also an amateur photographer, having studied with National Geographic in New York. Some of his work can be viewed here.
Current Boards and Involvement
Board member of the Community Foundation of Greater Birmingham
Board member of the Baptist Health Foundation
Board Member of the Parkinson’s Association of Alabama
Sponsor of residencies and fellowships at the University of Alabama Medical School Department Of Neurosurgery through his Scholars Fund
Involved in the Yale Club Study Group in New York
Past Positions & Awards
Past President of the Birmingham Estate Planning Council
Past President of the Birmingham Association of Life Underwriters
Past President of the Agents Advisory Council to New York Life
Past President of NYLARC Reinsurance Company
Past Faculty Member of the Alabama Bar Institute for Continuing Legal Education
2010 Recipient of the Outstanding Professional Advisor Award from the Community Foundation of Greater Birmingham
Past Board Member of the McWane Center Foundation
Past Member of Samford University Planned Giving Advisors Board
Past Member of University of Alabama at Birmingham Planned Giving Advisors Board
Past Member of St. Vincent's Planned Giving Advisors Board
1Ash Insurance Brokerage available to Nautilus members only. 2The Nautilus Group® is a service of New York Life Insurance Company for its member agents.
Our Planning Resource
Our Resources
The Nautilus Group®
As a Member Agent of The Nautilus Group®, a service of New York Life Insurance Company, Lloyd Wilson works hand-in-hand with Nautilus specialists experienced in taxes, estate law, life insurance, accounting, and charitable giving. This relationship helps ensure you benefit from some of the most sound thinking when it comes to your estate.
Lloyd Wilson and his fellow financial professionals are proud to be affiliated with New York Life Insurance Company. New York Life and its wholly owned subsidiaries provide life insurance, fixed annuities, and long-term care insurance. A mutual insurance company, New York Life is one of the largest mutual life insurance companies in the United States, and holds the highest financial strength ratings currently awarded to any U.S. life insurer from all four of the major credit rating agencies: A.M. Best (A++), Fitch (AAA), Moody's Investor Service (Aaa), and Standard & Poor's (AA+). (Source: Third-Party Ratings Reports as of 9/30/2021.)
NYLIFE Securities
NYLIFE Securities provides clients with world-class brokerage services and investment options suited for your unique needs. They offer the needed resources for clients to grow and maintain their hard-earned wealth. NYLIFE Securities is a registered broker-dealer and a wholly owned subsidiary of New York Life Insurance Company.
Eagle Strategies, LLC
Through Eagle Strategies, Lloyd Wilson provides fee-based financial planning, investment advisory services, and access to investment management programs. Eagle Strategies LLC is registered with the Securities and Exchange Commission as an “Investment Adviser” and is an indirect, wholly owned subsidiary of New York Life Insurance Company.
Ash Brokerage is an unaffiliated privately owned, family-operated insurance brokerage general agency. Ash provides us with a multitude of products and support for life insurance, long-term care, disability income, and annuities, not available through New York Life or its subsidiaries. Our partnership with Ash complements our mission to provide our clients with objective solutions to suit their individual needs.
CPI Companies
Our firm works with third party unaffiliated CPI Companies for life insurance brokerage to provide access to tailor- made financial strategies, services and products that our high net worth clients expect and deserve.
SM2 Advisors
SM2 Advisors provides customized and detailed interactions with other professionals in the financial field to assure the maximization of value for their clients. They sell lower middle market enterprises with revenues from 10 million to 150 million dollars.
Adams Capital Management, Inc. (ACM)
Founded in 1994, Adams Capital Management, Inc. is a Pittsburgh-based venture capital firm that provides direct access to the best deals within its area of expertise: Information Technology and Networking Infrastructure. Since the firms inception, it has raised over $815 million.
Current Community Involvement
Community Foundation of Greater Birmingham
Lloyd is a member of the board of directors of the Community Foundation of Greater Birmingham. Originally created in 1959 by a group of prominent community leaders, the foundation has connected many influential community individuals to "build a stronger, more vibrant future for [the] community." The foundation serves the communities in the regions surrounding Birmingham, AL, including Blount, Jefferson, St. Clair, Shelby and Walker counties.
Baptist Health Foundation
Lloyd is a member of the board of directors as well as a member of the finance committee of the Baptist Health Foundation, a 501(c)(3) nonprofit organization. The nonprofit is the central hub for all philanthropic gifts for the Baptist Health System and its four hospitals. Their mission is to use the funding and the community resources available to "enhance the health, dignity and wholeness of those [they] serve."
Parkinson Association of Alabama
Lloyd is a member of the board of directors of the Parkinson Association of Alabama, a 501(c)(3) nonprofit that is dedicated to being a resource and support group for new and improved treatments of Parkinson's disease. The nonprofit founders were also patients with the disease and their family members, as well as additional medical professionals.
Our Expertise
At Lloyd R. Wilson & Associates, we are dedicated to helping our clients conserve wealth and protect the extensive assets that have been built, in some cases, over several generations. With over 40 years of experience, we offer clients an impressive depth of expertise in everything from estate and retirement planning, to business succession and charitable giving. Some of our common services include:
Estate Planning
A well-engineered estate conservation plan can help minimize tax liability and ensure that loved ones are protected. We will work with you and your advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your family’s needs. We do not provide tax advice. Please consult with your own advisors for tax advise.
Asset Protection
There are numerous financial strategies and retirement income strategies that can help you accumulate assets for the future, protect your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.
Succession Planning
Succession planning allows owners to retire from their business within their own time frame, while preparing for the company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business. We can provide financial strategies for succession planning.
Charitable Planning
Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving strategy that is in alignment with your personal and philanthropic goals. Please seek tax advice from your own tax advisors.
Executive Benefits
The success of most businesses is tied in to the talent, passion, and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split dollar plans, and more
Wealth Management
Through Eagle Strategies LLC, a wholly owned subsidiary of New York Life Insurance Company, we work with our clients to design and implement a variety of wealth accumulation and management plans, offering investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to help ensure management of investment assets according to your goals, risk tolerance and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.
Life plan for your business®
Special Needs Planning
Our Approach
One thing our clients appreciate about working with us is that we don’t believe in cookie-cutter services or a one-size-fits-all approach. Instead, we follow a meticulous process designed to help get to know each client’s situation, goals, and level of risk tolerance so that we can make appropriate recommendations to meet their needs. Everyone is different and we may amend our approach to suit a specific client, but in general, we utilize the following process to help those we’re privileged to serve.
Step 1: Review
Every family's financial situation is unique. That's why it's so important to find out as much as we can about you and your financial goals. The more we know about you, the more precise recommendations we can make and the more we can help you. As a result, we may take some time to discuss your hopes, dreams, and objectives, and the things that really matter to you. This is the basis for the first meeting with anyone we sit down with.
Step 2: Analyze
As needed, we will work with you to identify and prioritize your objectives, and then help establish benchmark goals. This is important because we live in a world of unlimited choices. People often fail to achieve objectives because they try to accomplish too much at once, or they don't attach specific deadlines to their goals. By breaking down your goals to specific objectives, you can look at available resources and decide which goals are realistic, and which should be adjusted and scaled down.
Step 3: Develop
Based on our conversation and analysis, we can recommend the steps that it will take to help you achieve your financial goals.
Step 4: Coordinate
We regularly coordinate insurance and financial activities for clients with the other members of their team of financial, tax, and legal advisors. We can do the same for you.
Step 5: Implement
We'll implement your strategy, and work closely with you and your other third party professionals to ensure its success. We'll monitor progress and provide ongoing service as your needs and situation change over time.
Step 6: Monitor
This is not a one-shot deal. Strategies need to be adjusted periodically as your life and the economy changes. We will work with you over the years to help keep your strategy on track with your changing needs.
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Our Offices
Birmingham, AL Office
2311 Highland Avenue South, Suite 101
Birmingham, AL 35205
Phone: 205-933-2700
Fax: 205-933-2711
