Constructing a broadly diversified portfolio across a variety of investments such as stocks, bonds and alternative investments is the foundation of our asset allocation process. We understand that every investor has different investment objectives, therefore, we employ a customized approach when designing portfolios to work towards the specific goals of each client.
Assessing Your Needs and Finances
We ask you to complete a confidential personal profile that helps us gain a deep understanding of your current financial situation and goals.
Preparing Your Plan
We provide a detailed analysis of your finances, develop a variety of customized strategies and then offer suitable recommendations to address your goals.
Implementing and Monitoring Your Strategy
Once you select the most suitable approach, we put your personalized plan into action. We then maintain consistent communication with you, carefully monitoring your portfolio and making adjustments when necessary.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
Identifying your retirement needs is the first step to help you design a financial strategy that will make the assets you’ve worked hard to build keep working for you. For example, when do you hope to retire? How much should you save to work towards your retirement goals? What are the right investments? Whatever your plans for retirement, we can evaluate your needs and develop a customized strategy to help you work towards your goals.
Have you recently had changes in your family, marital status or career? Or have your personal and financial objectives changed? Your insurance should be reviewed regularly to make sure it still fits your needs.
Trust & Estate Planning
A trust provides protection for family members who might be unaccustomed to dealing with financial matters. It can offer protection of assets in case of divorce or other litigation. A trust can assure that funding is available for specific needs, such as education, health care or charitable interests. A trust provides a framework in which money is managed in a predictable fashion by people you choose and according to standards that you set. A trust creates guidelines for current and future distributions that reflect your wishes. A trust can also have substantial tax benefits and provide an expedient method to transfer assets.
LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.
Will your current portfolio meet your future needs of financing one or more college educations? And what are the tax implications of your present investments? If you’re not sure about the answers, it might be time to consider an objective evaluation. The most important thing you can do to secure a child’s educational future is to start planning today. Your financial consultant knows the questions to ask and has the answers you need.
Coverdell Education Savings Accounts