Our focus here at LPL Financial is Retirement Income Plan Development

Our Objective: Help clients answer -- How much is enough? 

Our Objective: Help clients answer -- How much is enough? 

We will construct your financial blueprint that connects your income and expenses with your investments and spending priorities. 

Planning for Retirement & Recognizing the Risks

Retirees face numerous risks that we consider when building your retirement income plan

Longevity  

(Outliving your money)

- Long retirement horizons due to longer

    life expectancies

- Outliving assets

Inflation  

(Things cost more over time)

- Erodes the value of savings and reduces returns

- Increasing healthcare costs

Spending & Withdrawals 

 (Running out of money)

- Wants Vs. Needs

- Sustainability of withdrawals

- Impact of spending behavior

Market Risks  

(Can't control the markets) 

- Uncertain returns and income

- Return sequences

- Asset allocation and location

PLANNING FOR RETIREMENT: KEY DECISIONS

In order to implement your retirement framework, we will analyze key decisions with you to improve the overall effectiveness of your plan. Some key questions we will address: 


  • Which assets should I hold in my tax-deferred accounts versus my taxable accounts? 


  • Which accounts should I draw income from first? 


  • When should I start taking Social Security? 


  • Should I roll over my 401(k) to an IRA? 


  • Is a Roth IRA conversion right for me? 


  • What tax decisions do I face when I leave my employer? 


Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.

<p>Retiring in a Post-Pandemic World</p>

Retiring in a Post-Pandemic World

Imagine your ideal post-pandemic retirement with this animated video.
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<p>How Retirement Spending Changes With Time</p>

How Retirement Spending Changes With Time

It can be difficult for clients to imagine how much they’ll spend in retirement. This short, insightful article is useful for jumpstarting a conversation about retirement spending, spending habits, and potential medical costs.
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