Michael Romaine

I’m Michael Romaine, CFP®, CLU®, ChFC®, RICP®, WMCP®, CLTC®, TPCP®, and founder of I-3 Planning LLC, a financial planning firm based in Louisville, Kentucky.

For more than 22 years, I’ve helped individuals, families, professionals, athletes, and business owners become more organized, educated, and intentional about their financial futures. I believe financial planning should begin with education, organization, and understanding, not simply with a financial product. My approach starts by helping clients organize their financial “junk drawer,” identify what they want their lives to look like, and address the important “what ifs” that could potentially disrupt their plans. From there, we develop a comprehensive financial roadmap designed around their goals, priorities, and values. Education is such an important part of my philosophy that I created a 10-month educational component for financial planning clients during their first year. Through a series of focused educational meetings, we explore the financial topics most relevant to each client’s situation. The goal is not simply to tell clients what to do, but to help them understand why they are making each decision and how the different pieces of their financial lives work together. My passion for this work is deeply personal. Early in my career, I experienced several significant losses that changed the way I viewed financial planning and life insurance. One experience in particular, involving the unexpected death of a close friend, showed me firsthand the impact that being financially prepared, or unprepared, can have on the people we leave behind. That experience reinforced something I still believe today: my responsibility isn't simply to sell financial products. My responsibility is to educate people so they can make informed decisions for themselves and the people they love. That philosophy is at the heart of I-3 Planning: Investment, Insurance and Ideas. Today, I help clients address a wide range of financial priorities, including retirement planning, investment strategies, life insurance, risk management, estate planning considerations, college planning, business-owner planning, and long-term wealth strategies. Over the course of my career, I’ve had the privilege of serving hundreds of clients and writing more than 2,000 insurance policies. I spent approximately 17 years with Northwestern Mutual before establishing my independent practice. My experience includes working with physicians, dentists, pharmaceutical professionals, business owners, professional athletes, collegiate athletes navigating NIL opportunities, and families looking for greater clarity and coordination in their financial lives. While my professional designations and experience are important, what matters most to me is what my clients understand when they leave the room. I want clients to understand the “why” behind their financial decisions so they can take that knowledge home, pass it on to their children, and help create a stronger financial foundation for the next generation. For me, financial planning isn't simply about how much wealth you accumulate. It's about becoming more organized, educated, prepared, and intentional with the resources you have today while building a roadmap toward the life and legacy you want tomorrow. That is the purpose behind I-3 Planning, and it is what I strive to help every client accomplish