Services Offered
As a registered member of the National Association of Personal Financial Advisors (NAPFA), Lynch Financial Advisors is the only firm in this group that provides fee-only comprehensive financial planning.
Comprehensive Financial Planning | Lynch Financial Advisors | “Financial Planners”(American Express, Prudential) | “CPAs, Tax Accountants” (H&R Block) |
“Insurance Agents” (New York Life, Met Life) |
“Brokers” (Merrill Lynch, Morgan Stanley) |
Financial Independence Planning | ✓ ✓ ✓ | ✓ | ✓ ✓ | ||
Portfolio Analysis | ✓ ✓ ✓ | ✓ ✓ | ✓ | ✓ | ✓ |
Retirement Analysis | ✓ ✓ ✓ | ✓ ✓ | ✓ | ✓ ✓ | ✓ ✓ ✓ |
Estate Planning | ✓ ✓ ✓ | ✓ | ✓ | ✓ ✓ | |
Educational Planning | ✓ ✓ ✓ | ✓ ✓ | ✓ ✓ | ✓ ✓ ✓ | |
Tax Planning | ✓ ✓ ✓ | ✓ | |||
Tax Preparation | ✓ ✓ ✓ | ✓ ✓ ✓ | |||
Tax Projection | ✓ ✓ ✓ | ✓ | |||
Stock Option Planning (NQ, ISO, ESPP) |
✓ ✓ ✓ | ✓ | |||
Life Insurance Review | ✓ ✓ ✓ | ✓ ✓ ✓ | ✓ | ✓ ✓ ✓ | |
Other Insurance (home, auto, etc) |
✓ ✓ ✓ | ||||
Rollovers, Pension Plans, Annuities | ✓ ✓ ✓ | ✓ ✓ ✓ | ✓ | ✓ ✓ | ✓ ✓ ✓ |
Goal Setting | ✓ ✓ ✓ | ✓ | ✓ | ✓ | ✓ ✓ |
Debt Management, Reduction, and Leverage | ✓ ✓ ✓ | ✓ | |||
Record Keeping & Spending Plan |
✓ ✓ ✓ | ||||
Employee Benefits Review | ✓ ✓ ✓ | ||||
Compensation Negotiation | ✓ ✓ ✓ | ||||
Entrepreneurial Development / Small Business Coaching |
✓ ✓ ✓ | ||||
Mortgage/Home Buying • Fee Reduction • Refinance Analysis • Tax-Based Mortgage Analysis |
✓ ✓ ✓ | ✓ | ✓ | ✓ | |
Unlimited Advice | ✓ ✓ ✓ |
How Advisors Get Paid |
Lynch Financial Advisors | “Financial Planners”(American Express, Prudential) | “CPAs, Tax Accountants” (H&R Block) |
“Insurance Agents” (New York Life, Met Life) |
“Brokers” (Merrill Lynch, Morgan Stanley) |
Fee Only | ✓ ✓ ✓ | ✓ | |||
Commission | ✓ ✓ ✓ | ✓ ✓ | ✓ ✓ ✓ | ✓ ✓ ✓ | |
Hourly Rate | ✓ ✓ | ✓ ✓ | |||
Assets Under Management | ✓ | ✓ | ✓ ✓ |
Key : | Always ✓ ✓ ✓ | Sometimes ✓ ✓ | Rarely ✓ | Never |