Services & Products

FINANCIAL PLANNING 

• Take control of your financial future: Financial Planning pulls all your finances together, organizing them and making management easier and more effective. The more you understand and better manage your wealth, the more likely you are to achieve your goals and dreams.

CLIENT PORTFOLIO MANAGEMENT / INVESTMENT PLANNING 

• Develop and manage an investment portfolio: provide clients with flexible investment options and a high degree of customization in their portfolios. Open architecture platforms allow maximum added value.

PORTFOLIO REVIEW 

• Complete review of current holdings shows an immediate asset allocated representation to help make any necessary changes or adjustments relative to your specific investment objectives.

PENSION AND RETIREMENT PLANNING 

• Design plans and a retirement strategy to help you pursue all your retirement goals: Social Security benefits, employer-sponsored plans and personal retirement savings, including investments, IRAs and annuities, typically combine to comprise the retirement income for most Americans. Retirement choices that will serve you best can be daunting goals. Guidance will be provided to support and enhance your overall investment and tax strategies.

ESTATE PLANNING STRATEGIES 

• Preservation of wealth from generation to generation: Your legacy is in your hands. Only through diligent monitoring can you be assured that your assets will be transferred effectively and according to your wishes to the people and charities you care about most. Establishing trusts, regularly reviewing your legal documents and beneficiary designations, and examining tax implications for survivors are vital to establishing a plan that provides you and your loved ones with greater confidence and security.

COLLEGE PLANNING / EDUCATION FUNDING 

• Long term planning to ensure you’re ready when your children are: The costs of education for children and grandchildren can be staggering and re seemingly always on the rise. Education is often one of the largest expenses you will incur. Educate yourself with current information about the variety of proactive education savings vehicles that can help you reach your funding goals while avoiding big surprises or long-term debt.

RISK MANAGEMENT / INSURANCE PLANNING 

• Planning for financial protection: Risk can take many forms. Illness, accident, liability and natural disasters are a few. Failing to manage risk properly can jeopardize your financial future. Financial planning evaluates the various levels and types of insurance you carry to make sure they are aligned with your overall goals and needs.

TAX PLANNING 

• Effective tax management is critical to achieving maximum portfolio efficiency: In conjunction with your accountant employing strategies that will take advantage of opportunities will benefit you.

TAX ADVANTAGE INVESTING 

• Your tax burden may very well be your largest lifetime expenditure: Reducing your tax liability will let more of your money work for you.

CASH FLOW ANALYSIS 

• Everyday budgeting: Addressing your monthly budget is an important first step in successfully managing your overall finances. You need a clear picture of your regular recurring bills and expenses so that you can achieve your financial objectives.

SMALL BUSINESS PLANNING 

• Making the correct choices in a closely held business will allow you to achieve your dreams: At some point the issue of transferring ownership of the business for estate planning purposes, retirement planning, and/or providing for the continuation of business operations in the event of unexpected health issues will need to be made. Making the right choice can make all the difference.

TRUST SERVICES* 

• Gain peace of mind: A trust can provide a measure of comfort knowing that you have a plan in place to help provide for the safe and accountable management of family assets and to direct their use in accordance with your wishes, goals and objectives.

^{*LPL Financial Representatives offer access to Trust Services through The Private Company N.A., an affiliate of LPL Financial Services}

CDs, MONEY MARKETS, CHECK-WRITING ACCOUNTS 

• For convenience and liquidity: Fundamental to building an independent manageable future is saving for the unexpected as well as the expected. Saving is easier if you “Pay Yourself First” and build in automatic savings into your budget.

MUTUAL FUNDS 

RETIREMENT PLANS 

• IRAs, Roth IRAs, Rollover Services, SEP, SIMPLE, individual and group 401K, 403b MPP, PSP, etc. may provide tax deferred or tax free growth, tax deductibility and tax-free withdrawals depending upon the plan.

ANNUITIES 

• For tax deferred growth and other living and death benefits.

EDUCATIONAL IRAs AND 529 PLANS 

• These plans could provide for future education needs.

TRUSTS* 

• Trusts can help you maintain control over your assets and protect the value of your financial legacy.

^{*LPL Financial Representatives offer access to Trust Services through The Private Company N.A., an affiliate of LPL Financial}

DIRECT INVESTMENTS 

• These investments could potentially provide additional tax advantages.

ALTERNATIVE INVESTMENTS 

• Non-traditional assets could potentially add diversification and non-correlation.

LIFE INSURANCE 

• May provide for financial protection for your loved ones.

DISABILITY INSURANCE 

• May provide for protection against a sudden loss of income.

LONG TERM CARE 

• May provide for protection of future health needs.

MANAGED ASSET PLANS 

• For professional fee-based portfolio management: Open architecture platforms provides clients flexible investment options and a high degree of customization. High net worth investors can take advantage of separate account platforms that take advantage of institutional portfolio managers.

INDIVIDUAL BONDS 

• Treasury, mortgage back, municipal, or corporate securities may provide a foundation for your portfolio.

INDIVIDUAL STOCKS 

• May provide long term growth and income potential.