Hello and welcome to the Foundation for Fiduciary Education. I’m excited to have you here! As an IRS approved, 501(c)(3) NonProfit Organization, our mission is to educate and empower families through comprehensive fiduciary financial education. We are pleased to provide you with financial education and resources you can trust . Taught exclusively by Certified Financial Fiduciaries®. If you have any questions at all, please do not hesitate to contact me. I look forward to helping you in any way I can.

Larry Lowder started his professional career in Washington, D.C. with the U.S. Department of Treasury’s U.S Savings Bond Division where he helped develop agency annual objectives and provided guidance in the implementation of those objectives. Later, he became the division's Mid-Atlantic Regional Director where he and his staff of twenty-five agents promoted the sale of U.S Savings Bonds in six states. This savings program was, and still is, offered to the public primarily through employer payroll savings plans and banking institutions. The Treasury uses this program to help raise a portion of the money needed to finance annual federal budget deficits (created by tax shortfalls) and the ever-growing national debt. These two U.S Treasury assignments provided Larry with two invaluable insights: * Establishing a personal savings/retirement plan to which regular and systematic contributions are made is the first step in acheiving financial security and that protecting those savings and their accumulated earnings from market losses is vitally important. * As history points out, continuous annual federal budget deficits will eventually result in higher tax rates. Once this occurs, cash flow, wealth accumulation, and life style may be diminished for a long period of time. So it is important to develop a plan to reduce the impact of potentially higher tax rates. After leaving the U.S Treasury Department, Larry became a financial advisor working with two major financial service firms. One was in the insurance industry and the other in the securities industry, Cigna and Merrill Lynch. There, combined with his Treasury experiance, he expanded his knowledge and expertise in developing and implementing personal investment, tax, retirement, and legacy plans. In 1995 Larry founded Lowder Financial Group, offering comprehensive financial planning services to business owners, professionals, executives, and retirees. As an independent advisor and as a Certified Financial Fiduciary®, Larry is committed to always putting a client's interest first, to making their goals the foundations of their financial/retirement plan, and to providing them the education and knowledge needed to make sound , informed decisions. Larry has a BBA degree from Wake Forest University and a MBA from the Wharton Executive MBA Program. He is a member of The National Association of Certified Financial Fiduciaries and the National Social Sercurity Advisors.