The cornerstone of LPL's business is providing the highest level of unbiased financial services and advice. LPL neither offers nor markets products of its own.  Thus, as LPL representatives, we concentrate our time and energies not on product quotas and sales goals, but on understanding your individual financial needs.  LPL seeks to fulfill your needs with suitable options from a wide range of the nation's top providers of:

 

 

§         Mutual funds

§         Comprehensive asset management accounts

§         Annuities and other tax-sensitive investments

§         Advanced estate, college, business, tax and retirement planning

§         Domestic and foreign securities

§         Direct investments

§         Insurance

§         Uncompromised and comprehensive research of securities and mutual funds

§         State of the art technology

 

 

 

During the past decade, LPL has become one of the

 

UnitedStates' largest organizations of independent financial advisers. Formed in 1989 through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (established in 1973), LPL today comprises dual headquarters in Boston and San Diego with more than 3,300 independently owned and operated branch offices nationwide.

 

 

 

 

 

 

 

 

 

 

Throughout the 1990’s, LPL has rapidly gained:

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·         Financial Strength: LPL's total revenues have grown approximately 20 percent per year since 1992. LPL's excess net capital, a measure of their solvency and ability to invest in new training programs, technologies and research, is the highest among all independent brokerage firms.

 

 

·         National Presence: LPL has been named the #1 independent brokerage firm in the nation for the last ten consecutive years.  (based on total revenue, as reported in Financial Planning magazine, June 1996-2007.

 

 

·         Highly Experienced Representatives: Because LPL representatives must have the confidence and dedication necessary to build successful practices, LPL selects only those with high levels of experience. LPL's more than 6,500 representatives nationwide possess an average of 10 years' experience in financial services when they join LPL.

 

 

·         Account Protection: To give clients a maximum level of protection for their accounts, LPL brokerage account assets are protected up to $100 million. LPL's SIPC membership provides account protection up to a maximum of $500,000 of which $100,000 may be in cash.   Additionally, through Lloyds of London, LPL accounts have additional securities coverage of $99.5 million per account, subject to a $500 million aggregate firm limit.  The account protection applies when a SIPC firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.  For more information, please visit www.sipc.org.

 

 

·         Your One-on-One Relationship is Supported by Thousands:  There are more than 1,000 LPL employees in Boston and at their seven-acre campus in San Diego.   LPL has developed high-quality continuing education programs for financial advisors to ensure they fully understand the available products and the most suitable uses. Their training discipline also stresses the necessity and the benefit of adhering to both the spirit and letter of the securities laws when selecting investment options for you.

 

 

 

In recent years, independent brokerage firms - those offering the products of many nonaffiliated companies - have grown rapidly in response to the burgeoning need for experienced, well-trained financial advisers. Today, these independent firms represent 20 percent of all securities brokers. Like all independent brokers, LPL has benefited from this demand for qualified individuals. Yet the growth of independent brokers alone cannot account for LPL's success. LPL's rise to prominence also owes much to their emphasis on complete independence, objectivity, and achieving the highest standards in every aspect of their business.

 

 

LPL has been built on the premise that, in an increasingly complicated era, achieving your financial goals depends upon solid, unbiased advice; meaningful, timely information and research; and easy access to the investments and services that best fit your specific circumstances.

 

 

 

 

As LPL moves into its fourth decade, they remain committed to setting and meeting the highest standards in all of these - so that we at

 

Kevin Skipper & Associates, your LPL representatives, can help you realize a new standard for your financial future.