It is tempting, if the only tool you have is a hammer, to treat everything as if it were a nail. – Abraham Maslow

The Zale Group does not limit our practice to only a few tools. We partnered with LPL Financial to have a broad range of investment choices. This list represents most of the services we offer and most of the tools we use to help our clients.  It is not exhaustive. This list also illustrates the complexity of the financial services industry. No single Financial Advisor can be an expert in all of these areas. You need a Financial Advisor Team that understands these tools and services, and that can use all of these tools to help you reach your goals.

1) Comprehensive Wealth Management

  • a) Asset allocation strategies
  • b) Analysis of needs and goals
  • c) Manager selection
  • d) Retirement income
  • e) Ongoing monitoring and maintenance of investments
  • g) Ongoing education
  • h) Tax management
  • i) Long-term capital appreciation
  • j) Wealth and Estate Structuring
  • k) Trust services
  • l) Education savings programs
  • m) Wealth transfers
  • n) Socially responsible issues
  • o) Business Planning
  • q) Year-End Planning
  • r) Financial Position

2) Financial Planning with a Certified Financial Planner®

  • 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

3) High Net Worth Wealth Management Services

  • 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 experts.
  • 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 protection
    • 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

4) Account Protections

  • 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.

5) Trust Services through the Private Trust Company N.A. an affiliate of LPL Financial

  • 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)

6) Objective Research

  • a) Market Commentaries
  • b) Asset Allocation and Model Portfolios
  • c) Recommended Funds
  • d) Recommended Separately Managed Accounts
  • e) Analytics
  • f) Performance Attribution
  • g) Benchmarking

7) Lending Capabilities

  • 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
    • iii) Line amounts from $100,000 to $5 million*
    • iv)  Line of credit checks for easy access
  • b) LPL Financial credit card program

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

9) Account Types

  • 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

10)   Standard Investments

  • 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

11)   Alternative Investments

  • a) Managed futures
  • b) Fund of hedge funds
  • c) Private equity
  • d) Real estate (REITS, limited partnerships)
  • e) Non-traded REITs
  • f) 1031 exchange programs
  • g) Concentrated equity solutions (Exchange funds, Collars, Pre-paid forwards)
  • h) Oil and gas partnerships
  • i) Equipment leasing
  • j) Precious Metals

12)   Insurance

  • 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) Life Settlements
  • l) Structured Settlements
  • m) Health and HSAs