Participant Consulting Advice Program (PCAP)

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.}