Investment advisors, like all providers of personal financial services, are now required by law to inform their clients of their policies regarding privacy of client information.
Investment advisors have been and continue to be bound by professional standards of confidentiality that are even more stringent than those required by law. Therefore, we have always protected your right to privacy.
TYPES OF NONPUBLIC PERSONAL INFORMATION WE COLLECT
We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your authorization.
PARTIES TO WHOM WE DISCLOSE INFORMATION
For current and former clients, we do not disclose any nonpublic personal information obtained in the course of our practice except as required or permitted by law. Permitted disclosures include, for instance, providing information to our employees and, in limited situations, to unrelated third parties who need to know that information to assist us in providing services to you. In all such situations, we stress the confidential nature of information being shared.
PROTECTING THE CONFIDENTIALITY AND SECURITY OF CURRENT AND FORMER CLIENT’S INFORMATION
We retain records relating to professional services that we provide so that we are better able to assist you with your professional needs and in some cases, to comply with professional guidelines. In order to guard your nonpublic personal information, we maintain physical, electronic, and procedural safeguards that comply with our professional standards.
Please call if you have any questions, because your privacy, our professional ethics, and the ability to provide you with quality financial services are very important to us.
The earlier you begin to prepare for your transition into retirement, the better off you’ll be. Our typical client begins working with us years before their anticipated retirement date. Are you on track to retire when you want to?
Start with these important questions:
- What do I have now?
- How long do I need my money to last?
- What are my goals for my retirement years?
As we live longer and take jobs we can enjoy long into our later years, some people choose to continue working. However, due to health issues, downsizing, or to support a loved one who has become unable to work, 60 percent of people are forced to stop working earlier than they had planned. Will you be ready if that day arrives? The time to prepare for the life you want is right now.
We have over a decade of experience working with General Dynamics company employees and retirees, helping to ensure smooth retirement transitions and better lives. We know your savings and benefit plans can be very complex. It takes a financial planner that is experienced with these types of plans to navigate and maximize the opportunities that are available to you. We help you:
- Understand how the different “parts” of your pension plan work
- Calculate the long-term advantages of different pension claiming strategies
- Understand and evaluate how Social Security claiming strategies will impact your financial future and work with your General Dynamics pension
- Maximize your General Dynamics 401(k) savings plan benefits, including a strategy for your General Dynamics (GD) stock
- Evaluate your options when you eventually retire
- Help establish projected cash flows in retirement, based on Social Security, your General Dynamics Pension, your GD SSIP plan, as well as other assets and source of income
- Develop a cohesive strategy to minimize the impact of taxes on your retirement income
- Because we have a heavy focus on working with General Dynamics employees, we have established a program to offer discounted financial planning & retirement planning services to any employee, retiree, or spouse of General Dynamics
As a Certified Divorce Financial Analyst (CDFA), we will serve as the financial expert on your divorce team, working closely with your divorce attorney, mediator or as part of a collaborative team of experts. We'll help guide you through the stressful and complex process of unraveling your marital assets and finances. While your divorce attorney handles legal matters, we work to ensure you’re financially covered before, during and after your divorce.
At LWM, we will provide financial analyses and projections that show the full financial and tax implications of each proposed divorce settlement offer: critical information your divorce attorney can use to substantiate and justify your position at the negotiating table or if necessary, in the courtroom. We will objectively look at child support issues, division of assets, and spousal support. Our efforts will allow you to make the best decisions, based on both your long- and short-term outcomes
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