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

Investing in the Future

Due to the fiscal struggles of state governments, in-state tuition and fees at public four-year colleges and universities rose dramatically for the 2011-12 school year. The cost of private institutions also continues to increase. This article presents information on the cost of a college education and how a 529 plan may be a helpful savings vehicle.

HOT TOPIC: Understanding the Three New U.S. Trade Agreements

Congress recently approved trade agreements with South Korea, Columbia, and Panama. They are the first U.S. trade agreements in four years. This article examines the pros and cons of the agreements and how they may stimulate the U.S. economy.

GDP: Measuring the Economy

It's likely you've heard a lot about the gross domestic product (GDP) if you follow the news. But what is its impact on the national economy and how has the Great Recession impacted the GDP? This primer explains the numbers behind the GDP and what it ultimately tells us about the economic health of the nation.

Put It in Writing

A high level of job satisfaction is fairly typical of business owners, but it can also be a hindrance if it keeps them from thinking about a planned exit strategy. A written exit plan could help you avoid surprises.

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