INVESTMENT PLANNING

Investment Planning offered through
LPL Financial

Financial goals are as unique as each investor. They can vary from wanting to be able to retire early; sending a child to an Ivy League Institution; leaving a legacy through charitable donations...or simply wanting the distinct pleasure of financial independence. Regardless of the goal, it is important to have a well-defined and well-organized strategy in place that is customized according to your personal preferences and parameters. That strategy must take into consideration the essence of time, and it must incorporate a level of risk that the investor is willing to take.

By having an intelligent plan, you stand a much greater chance of reaching your financial goals.

Investment Advisory and Asset Management through LPL Financial

Through LPL Financial we can offer:

Equities

Common and preferred stock

Fixed Income

Corporate Bonds

Federal Agency

Securities

Municipal Bonds

Certificates of Deposit

Mutual Funds

Variable Annuities

Offering long-term, tax advantaged investing opportunities

Investment Advisory Services

Financial planning and financial consultation services, customizable asset management services, and private asset management programs

Estate Planning Strategies and Preservation

Succession Planning

Disclosure

David Ferland is a registered representative of and offers securities and advisory services through LPL Financial, Member, FINRA and SIPC . Securities offered to residents of CO, CT, FL, IN, IA, MA, ME, NC, NH, NM, PA, RI, VT & WV. Advisory services offered to residents of ME. Lennox Insurance and Financial, LLC is not an affiliate of LPL Financial.

LPL Financial representatives do not offer tax or legal advice. Individuals should consult their tax or legal professionals regarding their specific circumstances.

See LPL Financial Form CRS Customer Relationship Summary, for succinct information about the relationships and services LPL offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other things. LFS’ Forms ADV, Part 2A, which describe LPL’ investment advisory services, Regulation Best Interest Disclosure Document, which describes LPL’ broker-dealer services, and other client disclosure documents can be found.

Some life insurance and annuity policies involve exclusions or limitations.

For costs and complete details of coverage contact your agent.