LPL Financial

"I help people who worry about whether they'll be able to retire comfortably and want to know what to do to make that happen."

Welcome to my web site!  You'll find a wealth of information in the form of newsletter articles, financial markets and economic commentary, calculators, research reports, and other links to help further your understanding of issues that effect your financial security and for evaluating your current position and progress toward your financial goals.  You'll also find a detailed description of my philosophy, services, and insights into my investment approach.  I think you'll find it well worth your time to read.  Your comments are always welcomed.

Be sure to add this site to your list of "favorites" in your Internet browser.  I frequently update the information, and I wouldn't want you to miss any developments or insights into how you can secure your financial future.

An overview of my financial planning practice:

  • I specialize in Retirement Asset Management and Retirement Income Planning for Individuals over age 50. 
  • My focus is on the 10 years before and 10 years after retirement begins - the most critical time in a person's investment life. 
  • I use a Defensive InvestingTM approach in order to help clients grow and protect their retirement assets.  In other words, to make money and keep it! 
  • My mission is to help my clients achieve financial confidence, so that they can enjoy those things in life that matter most.
  • Helping clients make smart money decisions since 1978.

 Featured article:

  • Time Value of Fluctuations 
    How long your money lasts in retirement may depend not only on your asset allocation and withdrawal rate, but also on the sequence of investment returns.

 
Calculators

Loan Payoff

How much will it cost to pay off a loan over its lifetime?

Home Affordability

Estimate of the maximum amount of financing you can expect to get when you begin house hunting.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Mortgage Acceleration

This calculator can help you determine how soon you can pay off your mortgage.

More Calculators →

Newsletters

Help an Inheritance Help You

When Americans were asked what they would do with a large inheritance, 48% said they would save it; only 8% said they would spend it on things they've always wanted. Could the Great Recession be changing attitudes about money? There are some options to consider for those who expect to receive, or have already received, an inheritance.

Dispelling Umbrella Insurance Myths

Many people may think their chances of being hit with a multimillion-dollar lawsuit are fairly slim. Besides, wouldn't the liability coverage on their homeowners and auto insurance policies be enough to protect them against a claim or a lawsuit? Unfortunately, there are misconceptions about umbrella liability insurance that could cause someone to be underinsured.

Help Keep Your Estate Out of Probate

Anyone who has seen an estate go through probate knows that it's the legal equivalent of having a tooth pulled. But just like tooth decay, probate may not be entirely avoidable.

What Kind of Investor Are You?

Although most Americans seem to understand that investment involves risk, there is a wide spectrum in how much risk each investor is willing to assume. Among the factors to consider are comfort level, time horizon, and net worth. This article helps investors to consider their appropriate level of risk.

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