Financial Planning

Through LPL Financial, our professionals are dedicated to helping clients:

	Create and Grow Wealth
	Protect and Preserve Wealth
	Plan the Distribution of Wealth During Life in the most Tax Advantaged Way
	Plan the Distribution of Wealth at Death in the Most Tax-Advantaged Way

Create and Grow Wealth
We can help you create and grow wealth through ensuring your investments are adequate and appropriate for you. We help determine if your insurance is appropriate for your situation. We also minimize the income tax associated with your investments, increasing your portfolio’s tax efficiency.

Protect and Preserve Wealth
We perform an analysis of your overall investment portfolio including asset allocation management and diversification characteristics. We help you determine the adequacy, cost effectiveness and appropriateness of your risk management program by performing an analysis of your overall insurance plan (life, disability, long term care, short term health and liability). In addition, we assist you in your tax sensitivity management.

Plan the Distribution of Wealth During Life
Proper planning in this area involves several issues. Qualified retirement plan and IRA issues such as investment portfolio characteristics, distribution during your life and distribution at your death are an important part of this planning. We assist with corporate stock option planning by monitoring investment concentration and taxation issues as well as transferability and the creation of a funding plan to exercise the options. For clients who are business owners, we assist in the creation and implementation of a business succession plan. To help solve possible continuity issues, we help clients determine who is suited to act as durable power of attorney and successor trustee for them. We also help you gift assets to children and/or descendants in a tax-efficient manner while maintaining the degree of control you require. Charitable gifting, if desired, can be accomplished by utilizing a plan that is tax efficient and performed in a manner that fits your needs.

Plan the Distribution of Wealth at Death
We assist you with the proper titling of assets, a crucial component of this area. Lack of continuity issues can be addressed through the appointment of an appropriate executor and trustee. We help you create a plan to distribute your wealth to your spouse, descendants and others in a tax efficient manner while managing appropriate control of these assets, including who will manage the pool of funds that are kept intact after your death. Charitable gifting can be done in a manner that saves your estate taxes and passes assets to the charity while maintaining control of the manner in which those assets are managed.