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

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

Roth IRA Conversion Mistakes Can Be Costly

One popular way to fund a Roth IRA is by transferring assets from a traditional IRA or an employer-sponsored retirement plan. This type of transaction, called a Roth IRA conversion, is simple in theory but can be complicated in practice. If you make certain mistakes, you could lose some key advantages.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

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.

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