Participant Consulting Advice Program (PCAP)
Participant Consulting Advice Program (PCAP)
Your Retirement Plan Should Work for You
An 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 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 nearing 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
Advisors with LPL Financial 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, your advisor 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. He or she
will also make sure that 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 loss. - Reviewing Performance
Your advisor will provide a review of your
employee-sponsored retirement plan and can help
you identify when and how to change allocations to
keep 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.