Because You Deserve An Independent, Candid, and Objective Opinion Of Your Company Retirement Plan

The LPL Participant Advice Consulting Program

YOUR RETIREMENT PLAN SHOULD WORK FOR YOU:

Employer-sponsored plans are, by their nature, oversimplified to meet the needs of the many. By partnering with Rick DiBiasio, you can receive advice customized to your unique situation. A professional advisor can help you create a thoughtful strategy that brings your personal vision of financial independence into focus — whether you’re just getting started or nearing retirement.

We offer The LPL Participant Advice Consulting Program.

What we do when partnering with you on your employer-sponsored retirement plan:ƒ

• Identify your long-term financial goals and the steps needed to pursue them
• Analyze the composition and balance of your existing portfolioƒ
• Build a diversified portfolio balancing risk and return
• Help you align your retirement plan with your goals as you reach significant life-changing milestones

And because we have no proprietary products to sell, you can receive objective retirement plan guidance.

IDENTIFYING LONG-TERM GOALS:

Everyone has a different idea of financial freedom—some envision a quiet lakefront home, others plan to travel the world—and the aspirations you have in your 20s may not be the same as those when you near retirement. Your advisor can help you evaluate your goals and create a step-by-step strategy to pursue them based on your current financial situation, investment philosophy, and timeline.

Balancing Risk

As investment professionals we have access to leading market research and global insights to educate you on the different types of risk inherent in any financial strategy and help you manage risk through asset allocation, diversification, and other established methods.

Aligning Your Portfolio

With an in-depth understanding of your employer’s retirement plan, we can evaluate your current investments and provide guidance to help you build a portfolio featuring a diversified combination of asset classes and securities in line with your objectives. We will also make sure the strategy for your employer-sponsored plan aligns with your other financial interests so that you have in place an integrated, comprehensive financial strategy. (Note: Asset allocation and diversification do not ensure a profit or protect against a loss.)

Reviewing Performance

Significant life changes can also impact your finances and affect your retirement plan:

• Life-transforming events (new job, marriage, new child)
• Risk tolerance changes as you approach retirement
• Major market changes requiring adjustments to your portfolio
• Modifications to your employer-sponsored retirement plan options

As your advisor we will provide a review of your employer-sponsored retirement plan and can help you identify when and how to change allocations to keep your strategy on track.

What Does It Cost?

The LPL Participant Advice Consulting Plan is an ala carte financial planning service accomplished over two meetings (by phone or in our Windermere office). After meeting with you to gather information we will provide a professionally prepared report at our second meeting. The cost of the service is $349 payable by check to LPL Financial at our first meeting.

GETTING STARTED:

Addressing your retirement needs may seem daunting, but we can work with you to establish a strategic direction and guide you toward your goals. Click the contact us button or call our office to set up a time to discuss your customized retirement plan advice.