Retirement Planning and Investing

Whether your retirement is far in the future, a few years away, or you are already retired, we can help you:

  • Invest your retirement savings for potential long-term growth
  • Manage retirement assets that you roll over into an IRA
  • Evaluate the pros and cons of using a Traditional versus a Roth IRA
  • Develop a strategy to turn your retirement assets into retirement income, and create a personal pension with a focus on tax-efficient withdrawals

With the largest percentage of the US population approaching retirement and life expectancies increasing, many individuals fear they will outlive their income. Essential planning now will preserve the freedom and flexibility you deserve throughout your retirement.

Recent tax legislature has further complicated the handling of retirement accounts, and with complexities come opportunities. Our professionals have a thorough understanding of the new tax laws to answer challenging questions such as:

  • Should I convert my IRA into a Roth IRA?
  • Should I roll my 401(k) into my IRA?
  • How can I take money of out my IRA before age 59½?
  • What is a stretch IRA?

The correct answers to these questions and others can make the difference on your lifestyle during retirement.


If you’re like most plan sponsors, you have many demanding challenges competing for your attention. LPL representatives work with retirement plans every day, and they will help save you time and effort. LPL representatives bring the experience and tools that deliver value, help seek to improve participant outcomes, and help manage your fiduciary risks.

When you partner with an LPL retirement representative, we work together to create an optimal, tailored plan configuration, helping you provide a customized fit for your employees.

Fiduciary Best Practices

Fiduciary Monitoring SystemEfficiently monitors your investment lineup and notifies you of changes in performance or criteria, and creates a customized investment policy statement.
Retirement Plan Health CheckUnbiased reporting on your plan’s health and value, using key plan attributes in comparison to a valid peer group. Attributes may include age based group deferral rates, average account balances, portfolio diversification by age group and in total, aggregate plan performance, and more.
Industry ReportsDetailed report covering the annual PLANSPONSOR Defined Contribution Study of more than 5,000 plan sponsors in 28 industries.
ERISA Help DeskTechnical help and answers from industry professionals are always within reach so your LPL representative can tackle even the most complex questions and situations on your behalf.
Fiduciary VaultCentralized storage for all plan-related forms and documents, including plan reviews, meeting notes, announcements, and more.

Enhanced Fiduciary Capabilities

Our tools are enhanced through a partnership with Fiduciary Benchmarks, Inc., a leader in plan benchmarking technologies.

Retirement Outcomes EvaluatorProvides a process that promotes better participant outcomes
PlanPoint, PlanProfile, and FeeCheckerUses provider data that is straight from the source to give you a more complete picture of fees so you can make better decisions
V2.1 Full Benchmarking ReportHelps you analyze the reasonableness of fees, rather than merely knowing what they are

Prudent Fee Management

Expense AnalyzerProvides clarity on plan fees by generating a cohesive analysis and report. Shows immediately whether the plan’s fee structure is competitive.
Fee Comparison and Analysis EvaluationCreates a comprehensive fee-analysis overview covering total plan fees, including those for investment management, recordkeeping, and advisor/ consultant, as well as plan benefits and features.

Investment Due Diligence and Benchmarking

Investment Due DiligenceTimely research reports from the LPL Financial Research Team, compiling precise quarterly reports to keep your advisor up-to-date on funds and the market.
Fund Line-up Comparison ToolCompares up to five service provider portfolios for fees and performance, demonstrating relative strengths and weaknesses of fund options.

5 Ways to Stay Confident in Retirement

This guide takes a critical look at the finances of retirement. It talks about health care costs, income stability, and the burden of debt and is designed with a goal to help your clients know the recipe for success in retirement.

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