Independence Powered By LPL Financial
Providing unparalleled investment advice and service
Whether your financial affairs are relatively simple or very complex, a financial professional can help you develop an investment strategy that's right for you and can provide insight on how to plan for many of life's major events.
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Fund your retirement
Even if you have accumulated the financial resources for what could be 15, 20, or 30 years of retirement, you will need a plan to maximize and protect those assets for as long as possible. - Purchase a quality education
College costs continue to rise at an average annual rate of 3% to 7%.1
- Develop a realistic investment plan
A plan should seek to achieve your desired level of return without taking on more risk (or more kinds of risk) than you can tolerate. - Protect current and future assets
Without proper financial and estate planning, all your other planning could be impacted by circumstances beyond your control.
What can a Financial Professional Do For You?
- Offer Prudent and Timely Advice
Determining your appropriate asset allocation*, identifying the appropriate investments, tracking their performance and keeping up-to-date on investment-related news and developments are difficult and time-consuming tasks. A qualified financial professional can build long-term strategies that balance your financial objectives and constraints, your time horizon and your tolerance for risk, then measure them against your short term and long term goals.
*Asset allocation does not insure a profit or protect against loss. - Simplify the Decisions
A financial professional's job is to pare down the choices of the many investment types and thousands of investment offerings to those that fit your objectives and asset allocation strategy. By identifying appropriate options - including ones that are difficult to discover on your own - and focusing on your objectives, a financial professional can save you considerable time and effort. - Provide Ongoing Review
Once an investment strategy is implemented, a financial professional will conduct comprehensive periodic reviews of your investment objectives, your portfolio's performance and your overall progress toward meeting your financial goals.
Why Choose an Independent LPL Financial Adviser?
LPL Financial is one of the United States largest organizations of independent financial representatives. Formed in 1989 through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (established in 1973), LPL Financial today is the leading independent brokerage firm in the nation 2, encompassing more than 12,000 investment professionals in 50 states. LPL Financial advisors specialize in providing customized financial solutions, backed by the following from LPL Financial:
- Financial Strength
LPL Financial advisors invest or manage $233 billion every year in brokerage products and advisory programs. The LPL Financial capital ratio is the highest among all independent brokerage firms.2 - Dedication to Unbiased Financial Advice
The independent financial representatives affiliated with LPL Financial have access to comprehensive financial planning tools, as well as unbiased, independent research on individual stocks, bonds, mutual funds, annuities and investment managers across every asset class. This enables them to concentrate their energy on understanding your individual financial goals and offering impartial solutions to the challenges of wealth accumulation and management. - Account Protection
LPL Financial holds membership in SIPC, which protects the securities in each client's account to $500,000 up to $100,000 which can be cash.3 Please ask your investment adviser for specific information in the significant additional coverage that is provided.
1 The College Board's annual survey - "Trends in College Planning, 2004"
2 Financial Planning Magazine, June 1996-2009, based on total revenues
3 The account protection applies when a SIPC member fails financially and is unable to meet obligations to securities clients, but does not protect against losses from the rise and fall in the market values of investments. For more information, visit www.sipc.org
Investments, taxes, insurance, retirement, estate planning...the list of financial concerns and considerations facing you today is seemingly endless. And there are no easy answers. To take advantage of all available options, today's investor needs two things: an understanding of which investment products are most appropriate for each situation and a relationship with trusted investment professionals who have a clear understanding of the investor's needs.
We are committed to putting quality service and objective advice first. We offer clients financial services in a variety of areas:
Retirement Planning - to design an investment strategy to help you towards your retirement goals
Investment Portfolio Analysis - to keep you informed of how your investments are performing, and to make adjustments as needed
Estate Planning - for preservation of wealth from generation to generation
Managed Asset Plans - for professional fee-based portfolio management through LPL Financial
Our office was established to help investors pursue all of their financial goals through a wide range of financial services. We do this by offering clients an unbiased approach to planning and investing. The independence of LPL Financial is demonstrated by the fact that our broker/dealer, LPL Financial, does not develop its own investment products, enabling us to offer truly objective advice.
Mutual Funds
Variable and Fixed Annuities
Individual Stocks
Strategic Asset Management (SAM) - providing you with fee-based asset management through LPL Financial, a Registered Investment Adviser
Nominal transaction costs will occur.
Financial Advisers Randy Brother (L) and Rick White (R)
Contact Information:
Randy Brothers Rick White
Financial Adviser Financial Adviser
P: 231.922.8993 P: 231.922.8993
randy.brothers@lpl.com richard.white@lpl.com
Investing in securities is subject to risk including loss of principal.
Securities, advisory services and insurance products offered through LPL Financial and its affiliates, Member FINRA/SIPC NOT CREDIT UNION GUARANTEED. May Lose Value. Not NCUA Insured. Members Credit Union is NOT a registered broker/dealer and is NOT affiliated with LPL Financial.
The LPL Financial Registered Representatives associated with this website may only discuss and/or transact securities business with residents of the following states: Michigan.
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