Wealth in Retirement

1. Asset allocation strategies
2. Analysis of needs and goals
3. Manager selection
4. Retirement income
5. Ongoing monitoring and maintenance of investments
6. Ongoing education
7. Tax planning
8. Long-term capital appreciation
9. Wealth and Estate Structuring
10. Trust services*
11. Education savings programs
12. Wealth transfers
13. Socially responsible issues
14. Business Planning
15. Year-End Planning
16. Financial Position

^{Zale Group and LPL Financial do not offer tax or legal advice or services. Socially Responsible Investing (SRI)  has certain risks based on the fact that the criteria excludes securities of certain issuers for non-financial reasons and, therefore, investors may forgo some market opportunities and the universe of investments available will be smaller}

^{*LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.} 

1. Needs Analysis
2. Outside account aggregation
3. Financial Calculators
4. Expense Reports
5. Income Reports
6. Portfolio Analysis
7. Investment Planning
8. Goal Tracking
9. Scenario Planning
10. Monte Carlo Simulations

1. Legacy and philanthropic planning— Design and assistance with:
   1. Donor advised funds
   2. Endowment funds
   3. Pooled income funds
   4. Family foundations
   5. Fiduciary custody services
   6. Charitable remainder trusts
2. Insurance planning—Design and case analysis for sophisticated strategies from a combination of internal resources and industry professionals.
3. Lending— Margin lending and collateralized loan capabilities.
4. Financial and estate planning— Effective and long-term wealth management, preservation/enhancement and asset transfer:
   1. Wealth preservation
   2. Tax reduction and potential deferral
   3. Customized estate and inheritance planning
   4. Legacy and business succession planning
5. Management of concentrated stock positions— Offering options for liquidity, diversification, preservation of capital:
   1. Hedging, option strategies
   2. Monetization
   3. Diversification, exchange funds

1. 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.
2. 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.
3. 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.

1. Trust Planning
2. Objective Corporate Trustee
3. Managing and protecting the trust’s assets
4. Assuring your wishes are followed and all of your beneficiaries are treated fairly
5. Accurate Recordkeeping and accounting
6. Tax reporting and Compliance
7. Custodian for Individual Retirement Accounts
8. Irrevocable Life Insurance Trusts (ILITs)

1. Market Commentaries
2. Asset Allocation and Model Portfolios
3. Recommended Funds
4. Recommended Separately Managed Accounts
5. Analytics
6. Performance Attribution
7. Benchmarking

1. LPL Financial Collateralized Lending Program
   1. LPL Financial has partnered with Nationwide Bank to offer Collateralized Lines of Credit to retail clients.
   2. Revolving line of credit Line amounts from $100,000 to $5 million
   3. Line of credit checks for easy access
2. LPL Financial credit card program

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

1. Taxable
   1. Individual
   2. Tenants in Common
   3. Community Property
   4. Joint Tenants with Rights of Survivorship
   5. Custodian for a Minor
   6. Personal Trust
   7. Corporate
   8. Partnership
   9. LLC
   10. Estate
   11. Non-Profit Organization
   12. Guardianship/Conservatorship
   13. Investment Club
   14. UGMA
2. Qualified Accounts
   1. Traditional IRA
   2. Roth IRA
   3. Rollover IRA
   4. Beneficiary IRA
   5. Beneficiary Roth IRA
   6. Simple IRA
   7. SEP IRA
   8. Money Purchase Plan
   9. Profit Sharing Plan
      1. Traditional
      2. Safe Harbor
      3. New Comparability
   10. 401(k) Plan
   11. 403(b)(7) Plan
   12. Defined Benefit Plan (Pension Plan)
   13. SAR-SEP IRA
   14. 457 Plan
   15. Employee Stock Ownership Plan (ESOP)
   16. Non-Qualified Deferred Compensation

1. Stocks
   1. Common
   2. Preferred
   3. Options
   4. Warrants
2. Bonds
   1. CDs
   2. Government Agencies
   3. U.S. Treasuries
   4. Mortgage Backed Securities and CMOs
   5. Municipals
   6. Corporates
   7. Structured Products
   8. TIPS
3. Mutual Funds
4. Separately Managed Accounts (SMA)
5. ETFs
6. ETNs
7. UITs

1. Managed futures
2. Fund of hedge funds
3. Real estate (REITS, limited partnerships)
4. Precious Metals

1. Immediate Annuities
2. Variable Annuities
3. Term life
4. Whole life
5. Universal life
6. Variable universal life
7. Disability
8. Corporate Owned Life Insurance
9. Split-Dollar
10. Health