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Lang Financial Group | Individual & Family Financial Planning

Guidance for the Individual Investor

Our independent financial advisors draw from years of experience and knowledge in wealth management to offer you a large array of financial planning services, and products. Our mission is to fully understand your situation and tailor financial advice to address your specific needs. Please take some time to look at what we offer.

Advisory Accounts

A brokerage account for the investor who wants professional help managing their portfolio and investments. Our financial advisors can offer that help and tailored advice with competitive advisory fees. Brokerage accounts are not tax advantaged accounts, but may offer more freedom than IRA options with the experience of our financial planning professionals.

Brokerage Accounts

A brokerage account for the investor who wants to do it themselves, and make investment decisions based on their own knowledge. Our financial professionals will be there to help answer any questions that the investor may have, but will not manage or make decisions in the client's portfolio without consultation and consent from the client.

Traditional IRAs

A qualified retirement account for individuals. Contributions to a Traditional IRA may be fully or partially deductible, depending on your individual circumstance. Distributions from Traditional IRA and most other employer-sponsored retirement plans are taxed as ordinary income and, if taken before age 59½, may be subject to a 10% federal income tax penalty. Generally, once you reach age 70½, you must begin taking required minimum distributions.

Roth IRAs

A qualified retirement plan in which earnings grow tax deferred and distributions are tax free. Contributions to a Roth IRA are generally not deductible for tax purposes, and there are income and contribution limits. Roth IRA contributions cannot be made by taxpayers with high incomes. To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a five-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawal also can be taken under certain other circumstances, such as after the owner’s death. The original Roth IRA owner is not required to take minimum annual withdrawals.

We offer a variety of account options and product sponsors for Traditional, Roth, and rollover IRAs:

Fixed Annuity

A contract with an insurance company that guarantees investment growth at a fixed interest rate as well as current or future payments in exchange for a premium or series of premiums. The interest earned on an annuity contract is not taxable until the funds are paid out or withdrawn. The guarantees of an annuity contract depend on the issuing company’s claims-paying ability. Annuities have fees and charges associated with the contract, and a surrender charge also may apply if the contract owner elects to give up the annuity before certain time-period conditions are satisfied.

Variable Annuity

A tax-deffered contract with an insurance company that allows someone to choose from a number of investments in a subaccount. It then pays them a certain amount of income in retirement determined in part by the performance of the investments selected in the subaccount. There is much more risk associated with variable contracts, but also potentially more upside..

We offer a variety of account options and product sponsors for Variable & Fixed Annuities:

PLEASE NOTE: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites, nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.

Ian G Koutny

Financial Consultant



Ian Koutny joined Lang Financial Group at the beginning of 2018, following nearly 2 years of working in the U.S. House of Representatives and graduating from Ohio University in 2016.

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Kyle Redmond

Qualified Retirement Plan Consultant



Kyle Redmond joined Lang Financial Group in 2016, following his graduation from Miami University with a Bachelor of Science in Finance.

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