BACKGROUND  

Founded in 2002 by David and Barbara Linnard, LFM&P is located in Boxborough, MA and is registered as an investment advisor with the Commonwealth of Massachusetts.    

David Linnard, a CERTIFIED FINANCIAL PLANNER^TM professional,  received an MBA degree, with Honors, concentrating in finance, from Boston University and a BS degree from Cornell University. He was elected to Beta Gamma Sigma, the international honor society recognizing business excellence. He completed the Boston University Financial Planning Program and is a NAPFA - registered financial advisor. David has been an active investor and a student of the financial markets since 1969, He has developed models of asset class performance, risk  and the effects of cyclical forces on investment values. Based on this work, he developed the MarketAware^SM investment approach, which is designed to reduce market risk by proactively managing asset allocation. He has been managing portfolios privately for over seventeen years.   Additionally, David is a member of the  Board of Directors and Treasurer of The Discovery Museums, an Acton MA educational organization.

Barbara Linnard received a BS degree from Syracuse University. She has completed the Boston University Financial Planning Program.  Barbara has managed private trusts for seventeen years and is a Registered Investment Advisor Representative.  

LFM&P’s dedication to its fee-only, comprehensive financial approach grew out of a combination of David’s prior experience as a systems executive and our experiences, like yours, as customers of the financial industry. The systems knowledge provides the capability to look at personal financial solutions from an overall viewpoint that integrates the many inter-related elements. Our financial consumer orientation drives our commitment to provide unbiased advice and cost-effective solutions. We believe this is a rare and valuable combination.    

OUTLOOK & TRENDS

LFM&P publishes Outlook & Trends, a quarterly newsletter. Outlook & Trends provides a commentary on current economic and market conditions as well as a financial planning topic of interest.

The contents of Outlook & Trends reflects the general opinions of LFM&P and is not intended to provide investment or planning advice. Such advice is only provided by means of individual agreement with LFM&P.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and in the U.S., which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.