About Stephani Lucas

Stephani Lucas is the Founder of The Annuity Consultants, partnering with RIAs, IARs, independent advisors, and insurance professionals to thoughtfully integrate insurance into modern financial planning.

Throughout her career, she saw advisors working hard to serve their clients while navigating fragmented insurance solutions, product-driven conversations, and systems that often operated outside the broader planning process. She believed advisors deserved a more collaborative way to serve their clients.

That belief led her to found The Annuity Consultants in 2010, a boutique insurance integration partner built around education, strategic collaboration, and long-term relationships rather than transactions alone.

Today, Stephani works alongside advisors to integrate annuity, life, disability, and long-term care strategies into cohesive financial plans that strengthen both client outcomes and advisor relationships.

Her approach combines deep carrier expertise with thoughtful case design, helping advisors simplify complexity, preserve trust, and deliver planning that feels intentional from beginning to end.

She believes the strongest businesses are built the same way the strongest client relationships are built, with clarity, integrity, healthy boundaries, and a long-term perspective.

Stephani partners with a select group of advisors who value collaboration, discretion, meaningful relationships, and building practices that reflect who they are, not just what they produce.