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


(Outliving your money)

- Long retirement horizons due to longer

    life expectancies

- Outliving assets


(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


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.

How Retirement Spending Changes With Time

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.