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Lynch Financial Services focuses on helping people keep what they have, especially when it comes to their retirement. Clients today want consistent, predictable, guaranteed income.
Income creates a lifestyle, and nobody wants to take a step backward, especially since our economy can change so quickly.
Peace of mind is what clients want most.
To know that their money is growing and going to be there no matter what. We deliver results and provide solutions to meet our clients’ needs. At Lynch Financial, we can help you plan a stable financial future.
Our team is devoted to providing the best care possible to our clients. We will work together to help you create a unique retirement plan. If needed, we also partner with various professionals, including attorneys and CPAs, to whom we can refer you to complete your financial plan.
Remember that time may no longer be on your side. Investment risk management should be your No. 1 concern when entering retirement. Your mindset should no longer be “growth at all costs.” Too often, retirees carry too much risk on assets that should be protected. Failing to make the fundamental “risk shift” can be a common mistake.
Working with qualified attorneys, Lynch Financial Services can help you create and implement a comprehensive estate plan that includes strategies to minimize taxes and pass along to your beneficiaries.
Many people do not include real estate as part of their overall retirement plan. Values in recent years have Increased considerably, and interest rates are at historic low rates. We work with real estate agents and mortgage companies to help you with buying and selling if needed.
Converting 401(k)s, lumpsum pensions, IRAs, and other investment vehicles into a predictable income stream should be one of your goals when entering retirement. Whatever budget shortfall is not covered with your pension, and Social Security will have to be produced by your investments or savings. Risks to your income plan like inflation, a sequence of investment risk, and market risk could have an impact on your ability to draw the amount of income you hope to receive from your retirement portfolio.
Insurance can be an essential part of an overall financial plan. Life, health, and long term care insurance can be an asset in retirement and something to consider.
Are you overpaying in taxes?
Rising taxes may be a concern for anyone, especially for individuals approaching retirement. Many retirees' portfolios are "tax-inefficient." A good strategy should address the tax efficiency of your retirement portfolio. Investing in a tax-deferred vehicle means your money can compound interest for years without paying current income taxes.
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