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.

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