Services

Comprehensive Wealth Management

a. Asset allocation strategies

b. Analysis of needs and goals

c. Manager selection

d. Ongoing monitoring and maintenance of investments

e. Ongoing education

f. Tax management

g. Long-term capital appreciation

h. Wealth and Estate Structuring

i. Trust services

j. Education savings programs

k. Socially responsible issues

l. Business Planning

m. Year-End Planning

n. Financial Position

a. Needs Analysis

b. Outside account aggregation

c. Financial Calculators

d. Expense Reports

e. Income Reports

f. Portfolio Analysis

g. Investment Planning

h. Goal Tracking

i. Scenario Planning

j. Monte Carlo Simulations

a. Securities Investor Protection Corporation (SIPC) Insurance applies in the event that an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments. LPL Financial’s SIPC membership provides account protection up to a maximum of $500,000 per customer, of which $100,000 may be in cash. For an explanatory brochure, visit www.sipc.org.

b. Additionally, through Lloyds of London, LPL Financial accounts have securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $750 million, subject to conditions and limitations.

c. Balances invested in the Insured Cash Account are protected by Federal Deposit Insurance Corporation (FDIC) up to a maximum of $1 million for a single account holder, $2 million for a joint account.

a. Market Commentaries

b. Asset Allocation and Model Portfolios

c. Recommended Funds

d. Recommended Separately Managed Accounts

e. Analytics

f. Performance Attribution

g. Benchmarking

Multiple Advisory Platforms, advisory accounts and services are offered through LPL Financial, a Registered Investment Advisor

a. Taxable

i. Individual

ii. Tenants in Common

iii. Community Property

iv. Joint Tenants with Rights of Survivorship

v. Custodian for a Minor

vi. Personal Trust

vii. Corporate

viii. Partnership

ix. LLC

x. Estate

xi. Non-Profit Organization

xii. Guardianship/Conservatorship

xiii. Investment Club

xiv. UGMA

b. Qualified Accounts

i. Traditional IRA

ii. Roth IRA

iii. Rollover IRA

iv. Beneficiary IRA

v. Beneficiary Roth IRA

vi. Simple IRA

vii. SEP IRA

viii. Money Purchase Plan

ix. Profit Sharing Plan

1. Traditional

2. Safe Harbor

3. New Comparability

x. 401(k) Plan

xi. 403(b)(7) Plan

xii. Defined Benefit Plan (Pension Plan)

xiii. SAR-SEP IRA

xiv. 457 Plan

xv. Employee Stock Ownership Plan (ESOP)

xvi. Non-Qualified Deferred Compensation

a. Stocks

i. Common

ii. Preferred

iii. Options

iv. Warrants

b. Bonds

i. CDs

ii. Government Agencies

iii. U.S. Treasuries

iv. Mortgage Backed Securities and CMOs

v. Municipals

vi. Corporates

vii. Structured Products

viii. TIPS

c. Mutual Funds

d. Separately Managed Accounts (SMA)

e. ETFs

f. ETNs

g. UITs

a. Managed futures

b. Fund of hedge funds

c. Real estate (REITS, limited partnerships)

d. 1031 exchange programs

e. Precious Metals

a. Immediate Annuities

b. Variable Annuities

c. Term life

d. Whole life

e. Universal life

f. Variable universal life

g. dDisability

h. Corporate Owned Life Insurance

i. Split-Dollar

j. Health

a. Asset allocation strategies

b. Analysis of needs and goals

c. Manager selection

d. Retirement income

e. Ongoing monitoring and maintenance of investments

f. Ongoing education

g. Tax management

h. Long-term capital appreciation

i. Wealth and Estate Structuring

j. Trust services

k. Education savings programs

l. Wealth transfers

m. Socially responsible issues

n. Business Planning

o. Year-End Planning

p. Financial Position

a. Needs Analysis

b. Outside account aggregation

c. Financial Calculators

d. Expense Reports

e. Income Reports

f. Portfolio Analysis

g. Investment Planning

h. Goal Tracking

i. Scenario Planning

j. Monte Carlo Simulations

a. Legacy and philanthropic planning— Design and assistance with:

i. Donor advised funds

ii. Endowment funds

iii. Pooled income funds

iv. Family foundations

v. Fiduciary custody services

vi. Charitable remainder trusts

b. Insurance planning—Design and case analysis for sophisticated strategies from a combination of internal resources and industry professionals.

c. Lending— Margin lending and collateralized loan capabilities.

d. Financial and estate planning— Effective and long-term wealth management, preservation/enhancement and asset transfer:

i. Wealth preservation

ii. Tax reduction and potential deferral

iii. Customized estate and inheritance planning

iv. Legacy and business succession planning

e. Management of concentrated stock positions— Offering options for liquidity, diversification, preservation of capital:

i. Hedging, option strategies

ii. Monetization

iii. Diversification, exchange funds

a. Securities Investor Protection Corporation (SIPC) Insurance applies in the event that an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments. LPL Financial’s SIPC membership provides account protection up to a maximum of $500,000 per customer, of which $100,000 may be in cash. For an explanatory brochure, visit www.sipc.org.

b. Additionally, through Lloyds of London, LPL Financial accounts have securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $750 million, subject to conditions and limitations.

c. Balances invested in the Insured Cash Account are protected by Federal Deposit Insurance Corporation (FDIC) up to a maximum of $1 million for a single account holder, $2 million for a joint account.

a. Trust Planning

b. Objective Corporate Trustee

c. Managing and protecting the trust’s assets

d. Assuring your wishes are followed and all of your beneficiaries are treated fairly

e. Accurate Recordkeeping and accounting

f. Tax reporting and Compliance

g. Custodian for Individual Retirement Accounts

h. Irrevocable Life Insurance Trusts (ILITs)

a. Market Commentaries

b. Asset Allocation and Model Portfolios

c. Recommended Funds

d. Recommended Separately Managed Accounts

e. Analytics

f. Performance Attribution

g. Benchmarking

a. LPL Financial Collateralized Lending Program

i. LPL Financial has partnered with Nationwide Bank to offer Collateralized Lines of Credit to retail clients.

ii. Revolving line of credit Line amounts from $100,000 to $5 million*

iii. Line of credit checks for easy access

b. LPL Financial credit card program

Multiple Advisory Platforms, advisory accounts and services are offered through LPL Financial, a Registered Investment Advisor.

a. Taxable

i. Individual

ii. Tenants in Common

iii. Community Property

iv. Joint Tenants with Rights of Survivorship

v. Custodian for a Minor

vi. Personal Trust

vii. Corporate

viii. Partnership

ix. LLC

x. Estate

xi. Non-Profit Organization

xii. Guardianship/Conservatorship

xiii. Investment Club

xiv. UGMA

b. Qualified Accounts

i. Traditional IRA

ii. Roth IRA

iii. Rollover IRA

iv. Beneficiary IRA

v. Beneficiary Roth IRA

vi. Simple IRA

vii. SEP IRA

viii. Money Purchase Plan

ix. Profit Sharing Plan

1. Traditional

2. Safe Harbor

3. New Comparability

x. 401(k) Plan

xi. 403(b)(7) Plan

xii. Defined Benefit Plan (Pension Plan)

xiii. SAR-SEP IRA

xiv. 457 Plan

xv. Employee Stock Ownership Plan (ESOP)

xvi. Non-Qualified Deferred Compensation

a. Stocks

i. Common

ii. Preferred

iii. Options

iv. Warrants

b. Bonds

i. CDs

ii. Government Agencies

iii. U.S. Treasuries

iv. Mortgage Backed Securities and CMOs

v. Municipals

vi. Corporates

vii. Structured Products

viii. TIPS

c. Mutual Funds

d. Separately Managed Accounts (SMA)

e. ETFs

f. ETNs

g. UITs

a. Managed futures

b. Fund of hedge funds

c. Private equity

d. Real estate (REITS, limited partnerships)

e. Non-traded REITs

f. Concentrated equity solutions (Exchange funds, Collars, Pre-paid forwards)

g. Precious Metals

a. Immediate Annuities

b. Variable Annuities

c. Term life

d. Whole life

e. Universal life

f. Variable universal life

g. Long Term Care

h. Disability

i. Corporate Owned Life Insurance

j. Split-Dollar

k. Health

a. Asset allocation strategies

b. Analysis of needs and goals

c. Manager selection

d. Retirement income

e. Ongoing monitoring and maintenance of investments

f. Ongoing education

g. Tax management

h. Long-term capital appreciation

i. Wealth and Estate Structuring

j. Trust services

k. Education savings programs

l. Wealth transfers

m. Socially responsible issues

n. Business Planning

o. Year-End Planning

p. Financial Position

a. Needs Analysis

b. Outside account aggregation

c. Financial Calculators

d. Expense Reports

e. Income Reports

f. Portfolio Analysis

g. Investment Planning

h. Goal Tracking

i. Scenario Planning

j. Monte Carlo Simulations

a. Legacy and philanthropic planning— Design and assistance with:

i. Donor advised funds

ii. Endowment funds

iii. Pooled income funds

iv. Family foundations

v. Fiduciary custody services

vi. Charitable remainder trusts

b. Insurance planning—Design and case analysis for sophisticated strategies from a combination of internal resources and industry professionals.

c. Lending— Margin lending and collateralized loan capabilities.

d. Financial and estate planning— Effective and long-term wealth management, preservation/enhancement and asset transfer:

i. Wealth preservation

ii. Tax reduction and potential deferral

iii. Customized estate and inheritance planning

iv. Legacy and business succession planning

e. Management of concentrated stock positions— Offering options for liquidity, diversification, preservation of capital:

i. Hedging, option strategies

ii. Monetization

iii. Diversification, exchange funds

a. Securities Investor Protection Corporation (SIPC) Insurance applies in the event that an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments. LPL Financial’s SIPC membership provides account protection up to a maximum of $500,000 per customer, of which $100,000 may be in cash. For an explanatory brochure, visit www.sipc.org.

b. Additionally, through Lloyds of London, LPL Financial accounts have securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $750 million, subject to conditions and limitations.

c. Balances invested in the Insured Cash Account are protected by Federal Deposit Insurance Corporation (FDIC) up to a maximum of $1 million for a single account holder, $2 million for a joint account.

a. Trust Planning

b. Objective Corporate Trustee

c. Managing and protecting the trust’s assets

d. Assuring your wishes are followed and all of your beneficiaries are treated fairly

e. Accurate Recordkeeping and accounting

f. Tax reporting and Compliance

g. Custodian for Individual Retirement Accounts

h. Irrevocable Life Insurance Trusts (ILITs)

a. Market Commentaries

b. Asset Allocation and Model Portfolios

c. Recommended Funds

d. Recommended Separately Managed Accounts

e. Analytics

f. Performance Attribution

g. Benchmarking

a. LPL Financial Collateralized Lending Program

i. LPL Financial has partnered with Nationwide Bank to offer Collateralized Lines of Credit to retail clients.

ii. Revolving line of credit Line amounts from $100,000 to $5 million*

iii. Line of credit checks for easy access

b. LPL Financial credit card progra

Multiple Advisory Platforms, advisory accounts and services are offered through LPL Financial, a Registered Investment Advisor.

a. Taxable

i. Individual

ii. Tenants in Common

iii. Community Property

iv. Joint Tenants with Rights of Survivorship

v. Custodian for a Minor

vi. Personal Trust

vii. Corporate

viii. Partnership

ix. LLC

x. Estate

xi. Non-Profit Organization

xii. Guardianship/Conservatorship

xiii. Investment Club

xiv. UGMA

b. Qualified Accounts

i. Traditional IRA

ii. Roth IRA

iii. Rollover IRA

iv. Beneficiary IRA

v. Beneficiary Roth IRA

vi. Simple IRA

vii. SEP IRA

viii. Money Purchase Plan

ix. Profit Sharing Plan

1. Traditional

2. Safe Harbor

3. New Comparability

x. 401(k) Plan

xi. 403(b)(7) Plan

xii. Defined Benefit Plan (Pension Plan)

xiii. SAR-SEP IRA

xiv. 457 Plan

xv. Employee Stock Ownership Plan (ESOP)

xvi. Non-Qualified Deferred Compensation

a. Stocks

i. Common

ii. Preferred

iii. Options

iv. Warrants

b. Bonds

i. CDs

ii. Government Agencies

iii. U.S. Treasuries

iv. Mortgage Backed Securities and CMOs

v. Municipals

vi. Corporates

vii. Structured Products

viii. TIPS

c. Mutual Funds

d. Separately Managed Accounts (SMA)

e. ETFs

f. ETNs

g. UITs

a. Managed futures

b. Fund of hedge funds

c. Private equity

d. Real estate (REITS, limited partnerships)

e. Non-traded REITs

f. Concentrated equity solutions (Exchange funds, Collars, Pre-paid forwards)

g. Precious Metals

a. Immediate Annuities

b. Variable Annuities

c. Term life

d. Whole life

e. Universal life

f. Variable universal life

g. Long Term Care

h. Disability

i. Corporate Owned Life Insurance

j. Split-Dollar

k. Health