Our Focus at LPL

Our focus here at LPL Financial is Retirement Income Plan Development

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.

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.

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Perception vs. Reality

There’s an alarming difference between perception and reality for current and future retirees.

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How to Retire Early

Retiring early sounds like a dream come true, but it’s important to take a look at the cold, hard facts.

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How to Bake a Pie-R-A

Roth IRAs are tax-advantaged differently from traditional IRAs. Do you know how?

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Rightsizing for Retirement

What does your home really cost?

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Social Security: By the Numbers

Here are five facts about Social Security that might surprise you.

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A Fruitful Retirement: Social Security Benefit

Taking your Social Security benefits at the right time may help maximize your benefit.

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