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40% of U.S. workers have saved
less than $25,000 for retirement.*

*2019 Retirement
Confidence Survey, EBRI

Only 42% of Americans know how
much money to save for retirement.*

*2019 Retirement Confidence Survey, EBRI

43% of retirees left
the workforce earlier
than planned.*

*2019 Retirement
Confidence Survey, EBRI


We serve individuals and businesses in all areas of financial planning, including:


• Retirement planning - Help make the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing investments before and during retirement.

Planning Options


SEP Plans


Equity Indexed Annuities

Traditional IRAs

Roth IRAs

401(k) Plans


• Tax strategies* - Help make sure your portfolio is using tax-efficient strategies. Developing tax-saving investment strategies. Referring you to qualified tax specialists.

Tax-Efficient Strategies

Tax Deferred Income

Tax-Exempt Income

Tax-Advantaged Investments


• Estate planning** - Working with our estate-planning and trust specialists to review your wills and trusts, help preserve your estate for your intended heirs, help with beneficiary designations, reduce potential exposure to estate taxes and probate costs, and coordinate with your tax and legal advisors.

Estate Planning

Living Trusts

Charitable Gifts

A-B Trusts

Gifting Strategies

Charitable Lead Trusts

Charitable Remainder Trusts

Wealth Replacement Trusts

Family Limited Partnerships

Estate Tax Strategies


• Education funding - Recommending investment and accumulation strategies to help you pay for your children's education.

College Savings Plans

529 Plans

College Investment Strategies


• Risk management - Evaluating the amount of appropriate insurance coverage and reviewing existing insurance policies.

Term Life Insurance

Whole Life Insurance

Universal Life Insurance

Variable Life Insurance

Auto Insurance

Property Insurance

Disability Insurance

Health Insurance


• Investment management - Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you pursue your goals. Determining your asset-allocation needs.

Diversification Strategies

Mutual Funds


Variable Annuities

Asset Allocation

Managed Investments


• Employee and executive benefits - Helping your business attract and retain qualified employees through benefit packages.


*LPL Financial is not a legal or tax advisor. However, its Financial Advisors will be glad to work with you, your accountant, tax advisor and/or attorney to help you pursue your financial goals.

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