An advisor that is free to bring new financial advances to bear for your advantage 

LFM&P: 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.

Common Industry Practice:  The industry still clings to many of the once-appropriate strategies that have been negated by change. For example, the buy-and-hold approach, which has done a disservice to many investors over the last 10 years, is an outgrowth of times  when flexibility was limited by high  broker commissions and mutual fund loads. Likewise, bond ladders are still often implemented to provide retirement income, even through capital gains and equity dividends are taxed at a lower rate.

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