Remember when you were a kid and you wanted to grow up to be a teacher, a doctor, an astronaut, or maybe be just like one of your parents? Your children have those dreams and their children do too. If only we all had an angel, like George Bailey did in It’s a Wonderful Life, who could show us what things would be like for our family and friends if we weren’t there. We can’t possibly know the pain they would endure when we’re gone but we force ourselves out of love to imagine their needs from a financial standpoint and anticipate how we can help our loved ones without being present.  

LPL Financial has agreements with the strongest and highest rated Insurance carriers in the world, allowing us to shop for the most cost efficient policies to address each clients specific wishes. Life Insurance is one of the most powerful retirement and estate planning tools available. Structured correctly, withdrawals from a policy can be tax free in case of an emergency or to provide extra income in retirement. They also come with riders that can provide tax free cash for Long Term Care expenses.