| A REFRESHINGLY DIFFERENT INVESTMENT ADVISOR |
 If you are like many investors, you
may be questioning the results that you have accomplished over the last
12 years while the return of the stock market has essentially been zero.
You may wonder whether your retirement plans are sound. You may be
questioning the validity of the conventional Wall Street wisdom and the
advice you have been receiving. Perhaps you can benefit from an
investment advisor that looks at things differently, one that focuses on
making investments work for you.
You may want to consider: An
advisor who is willing and able to change your portfolio allocation
independently, as economic conditions or your personal considerations require. Economic and personal conditions change all the time. Your portfolio should remain flexible and be adjusted to reflect the level of economic risk as well as changes to your own personal conditions and risk tolerance.
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Practice
An
advisor who practices a core philosophy of risk management to guard
against bear market losses LFM&P’s MarketAwareSM approach is designed to reduce your equity market exposure during high-risk periods and to increase it when risk is lower and gains are more likely. This methodology seeks to keep your actual level of risk at your personal risk limit. In addition to making investing more comfortable by limiting risk, MarketAwareSM has produced higher returns than the conventional constant allocation approach since it was implemented publicly seven years ago. It is not how much you earn that counts, it is how much you keep. Compare Common Industry
Practice An advisor that manages your assets for your own strategy, independently of all othersYou should be treated as an individual with individual needs. Your assets should be continuously supervised with you in mind, directly for your needs, strategy and financial plan.
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Common Industry Practice
A
portfolio manager, who is also a Certified Financial PlannerTM
professional, can advise your overall financial success, as well
as stocks, bonds and annuities Your most important financial result is the ability to meet your life goals. Investment products can be important means to reach those goals, but are best considered only to be a secondary part of your overall strategy. Planning for major events like retirement, requires consideration of what future resources will be needed, the time frame, and possible risks as well as investment returns. A portfolio manager, who is also a Certified Financial PlannerTM professional, can help you design an individual strategy to accomplish your broader financial goals, and integrate and execute your investment approach as well. Compare Common Industry Practice
An
advisor that is free to bring new financial advances to bear for your
advantage Changes in tax laws and investment products enable you to take advantage of new strategies and have made older strategies outmoded. Your 401(k) and 403(b) investments plans have changed retirement planning. Dramatic reductions in brokerage fees, no-load mutual funds, and exchange-traded funds enable you to take a more adaptive approach. Changes in tax laws that favor capital gains and equity dividends provide you with new income strategies. As an independent advisor, LFM&P is free to take advantage of the opportunities as they apply to and benefit each client’s plans. Compare Common Industry Practice An
advisor where the firm’s principals work directly with you. You can have the best of two worlds. You can receive direct advice and portfolio management without going through commissioned sales representatives or impersonal telephone support. You gain the advantage of an independent firm where the principals provide personal advice, while also benefiting from the products, resources and back office operations of a large Wall Street broker and custodian. We suggest you use Fidelity Investments, a leading low-cost broker and custodian, but since we are not affiliated with any firm, you can even choose your broker, if you wish. An
Advisor that acts as a fiduciary on behalf of its clients As a NAPFA
Registered Financial Advisor, Certified Financial PlannerTM,
and Registered Investment Advisor, David Linnard has pledged to place
your interests before his and those of the company. Because you only pay
an advisory fee that is completely disclosed, you are protected from the
conflicts of interest that arise when products are sold or commissions
and incentives are accepted. Additionally, your assets are held and
independently reported to you by a third-party broker / custodian of
your choice.
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Common Industry Practice
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