Participant Consulting Advice Program (PCAP) Your Retirement Plan Should Work for YouAn employer-sponsored plan may be oversimplified to meet the needs of many. Your advisor will provide customized advice to fit your unique situation. By partnering with us, you can receive the professional advice you need to create a thoughtful strategy that brings your personal vision of financial independence into focus - whether you are just getting started or nearing retirement. The services that are provided through the Participant Consulting Advice Program (PCAP) are as follows:Identifying Long-Term GoalsEveryone has a different idea of financialfreedom—some envision a quiet lakefronthome, others plan to travel the world—and theaspirations you have in your 20s may not bethe same as those when nearing retirement.Your advisor can help you evaluate your goalsand create a step-by-step strategy to pursuethem based on your current financial situation,investment philosophy and timeline.Balancing RiskAdvisors with LPL Financial have access to leadingmarket research and global insights to educateyou on the different types of risk inherent inany financial strategy and help you manage riskthrough asset allocation, diversification and otherestablished methods.Aligning Your PortfolioWith an in-depth understanding of youremployer’s retirement plan, your advisor canevaluate your current investments and provideguidance to help you build a portfolio featuringa diversified combination of asset classes andsecurities in line with your objectives. He or shewill also make sure that the strategy for youremployer-sponsored plan aligns with your otherfinancial interests so that you have in place anintegrated, comprehensive financial strategy. Note: Asset allocation and diversification do not ensure a profit or protect against loss.Reviewing PerformanceYour advisor will provide a review of youremployee-sponsored retirement plan and can helpyou identify when and how to change allocations tokeep your strategy on track. Securities and advisory services are offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates.