A FULL RANGE OF SERVICES TO ADDRESS

In today’s often complex marketplace, even the most sophisticated investor is challenged to keep up and respond to changing conditions. By utilizing asset allocation strategies and carefully selected money managers across a diverse range of equity and fixed-income disciplines, our goal is to provide you with an institutional-quality portfolio designed to help address your financial objectives.

^{Asset allocation does not guarantee a profit nor protect against losses.}

Our objectives are to preserve your wealth, achieve a reasonable rate of return, and counter the erosive effects of inflation and taxes. We know that a proper asset allocation among cash, equity, fixed-income securities and alternative investments can be an effective way to pursue investment goals. We believe the formula for investment management should include the key components of skilled investment research, long-term planning and a well-managed professional relationship.

^{Asset allocation does not guarantee a profit nor protect against loss. Alternative Investments are not suitable for every investor. They involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.}

Preserving your wealth and maintaining your standard of living are among your highest priorities. Because people are living longer today, the possibility of spending 30 years in retirement requires careful planning and disciplined investing. We can help create a plan for monthly distributions from your portfolio designed to preserve your principal. We can also assist you with longevity planning, required minimum distributions, income planning, tax planning, proper account titling and beneficiaries, multigenerational wealth transfer, charitable giving, and asset preservation and reallocation.

If you’ve changed jobs or are retiring, rolling over your retirement assets to an IRA can be an excellent strategy. It is a non-taxable event when done properly – and gives you access to a wide range of investments and the convenience of having consolidated your savings in a single location.

In addition, flexible beneficiary designations may allow for the continued tax-deferred investing of inherited IRA assets. We can handle all details for you, including contacting your former plan administrator, opening your new rollover IRA and completing the paperwork.

In addition to rolling over your 401(k) to an IRA, there are other options. Here is a brief look at all your choices. For additional information and what is suitable for your particular situation, please consult us.

• Leave money in your former employer’s plan, if permitted
  Pro: May like the investments offered in the plan and may not have a fee for leaving it in the plan. Not a taxable event.
• Roll over the assets to your new employer’s plan, if one is available and it is permitted.
  Pro: Keeping it all together and larger sum of money working for you, not a taxable event
  Con: Not all employer plans accept rollovers.
• Roll over to an IRA
  Pro: Likely more investment options, not a taxable event, consolidating accounts and locations
  Con: usually fee involved, potential termination fees
• Cash out the account
  Con: A taxable event, loss of investing potential. Costly for young individuals under 59½; there is a penalty of 10% in addition to income taxes.

Asset allocation is one of the most important single determinants of overall investment performance and risk.* Choosing the appropriate mix of asset classes can also significantly reduce portfolio volatility. We make asset allocation a key component of our investment strategy, selecting a mix of asset classes that reflects your financial objectives, timeline and risk tolerance.

^{*Asset allocation does not guarantee a profit or protect against a loss.}

Family wealth is often concentrated in a single stock, either inherited or earned during a successful business career. If you’re in this situation, there are many options available beyond simply selling the stock. Although mitigating the risk of a concentrated equity position can be complicated, we can provide a variety of strategies that can help hedge, monetize, diversify or transfer the position while managing the tax implications.

Because insurance protects you from the unexpected, it plays a crucial role in your comprehensive financial plan. LPL provides a wide array of quality insurance alternatives, including life insurance, long-term care insurance and annuities. They can offer an important layer of safety for you, your family or your business.

Through LPL, we offer investment accounts with check writing, online bill payment, enhanced reporting and more. We also can assist you in evaluating short-term interest-bearing instruments such as brokered certificates of deposit, and cash sweep options.

We take a tax-sensitive approach to financial planning and work with you and your other professional advisors – accountants and tax attorneys – to work toward minimizing the impact of taxes. By developing and implementing strategies that seek to lessen or shift current and future tax liabilities, we strive to improve your prospects for pursuing your financial objectives. In addition to impacting your life today, prudent tax planning can play a large role in the amount of wealth you will be able to someday transfer to your heirs.

^{While we are familiar with the tax provisions of the issues presented herein, as financial advisors of LPL, we are not qualified to render advice on tax or legal matters. You should discuss tax or legal matters with the appropriate professional.}

Whether it’s providing income for a spouse, educating children or grandchildren or leaving money to your favorite charity, proper estate planning can help ensure that your assets accumulated over your lifetime are preserved for the use you have intended.

Giving cannot only help the organizations you choose, but can also generate personal tax benefits and advance your wealth management plan. We can help you with strategies that include private family foundations, charitable trusts, charitable gift annuities, pooled-income funds and donor-advised funds.

Funding a child’s or grandchild’s higher education can be a personally rewarding use of your wealth. We can help you provide for this opportunity with investment vehicles such as 529 college savings accounts and specialized trust vehicles.