Your Dreams Matter

Financial Planning

We will assist you in developing a financial plan that addresses your financial needs and goals. Today’s lifestyles present many challenges that compete for your time and resources. Whether you are in the accumulation phase of your life or the distribution phase, it’s important to understand the options available to you to help maximize your resources.

As investment advisors, we strive to:

• Put your interests first
• Understand your specific financial situation
• Offer straightforward advice that reflects your long-term goals

Saving for college, deciding on the right retirement plan, buying a second home, reducing taxes or taking care of a loved one are just some of the decisions that challenge today’s families. At Lipscomb Investment Group, we will work with you, knowledgeable attorneys, CPAs and insurance groups to create and monitor a plan that focuses on your unique, individual needs.

Retirement Planning

At Lipscomb Investment Group, we believe that retirement planning is more important today than ever before. With life expectancies increasing each year and historically low interest rates, some people have a concern of running out of money in retirement. Today, many people live one-third of their life, approximately 30 years, in retirement. There are many time-proven financial strategies as well as new and innovative products that can extend the life of one’s financial assets.

We offer:

• Beneficiary review
• Retirement planning
• Financial needs analysis
• Analysis of present and future expenses
• Legacy planning or estate planning
• Income planning

Planning is a key component as you work toward your retirement goals.  Whether you are facing immediate retirement or have several years to prepare, mapping out a plan can help make all the difference.  We can assist you in developing a portfolio that is consistent with your goals and your time horizon.

Investment Management

To help each client work toward their financial goals, we use a personalized approach to investing. Our advice and recommendations are tailored to our clients’ investment goals, desired return objectives, risk tolerance, time horizon and income needs. Our investment strategies are designed based on your investment goals.

Strategic Alliances

We’re proud to offer professional money management through various third-party money managers. One of our strategic alliances is with Advisors Excel, a national firm offering a wide spectrum of services and support to independent financial professionals. The company provides a holistic and integrated foundation where annuities, life insurance and investments are supported on one comprehensive platform.

Wealth Management

As you near retirement, you may find that your attitude about risk may change. Ways to help protect and preserve your wealth against market downturns should be an important part of your comprehensive retirement plan, because a significant reduction to your portfolio could potentially derail your retirement plans.

At Lipscomb Investment Group, LLC, we’ll examine issues such as:

1. How tolerant are you of market volatility and losses in retirement?
2. What current risks are you taking with your financial assets?
3. Are your current holdings and strategies consistent with your risk tolerance?
4. Are your assets well positioned to survive significant market corrections?
5. How effective are your current retirement savings strategies?
6. How much of your wealth should be protected from market corrections?

During our discussions, we encourage clients to carefully evaluate their risk tolerance and to develop an overall financial strategy that balances potential safety and growth. From our discussions and examinations, we’ll work with you to utilize retirement products and strategies designed to help protect, preserve and enhance your wealth.

Social Security Maximization

5 Important Social Security Questions You Should Know

For some retirees, Social Security benefits form the foundation of their retirement income. To help make sure you get the most out of your benefits, you should have a solid grasp on this complex matter.

We have put together an informative brochure that helps answer the following questions:

• What is your Social Security amount?
• When is the best time to start taking your Social Security benefit?
• Are there different options if you are married?
• Does earning additional income while you are on Social Security impact the value of your benefit?
• Do you pay tax on your Social Security benefit?

Please contact us to receive your brochure!

Your Social Security retirement benefit represents a lifetime’s worth of savings, time and work and is most likely your oldest and could be your largest retirement account. Although many Americans are familiar with the basics of Social Security, very few are able to figure out — on their own — exactly the best way to file so they can get the most out of all they have put in.

At Lipscomb Investment Group, LLC, we help our clients understand their Social Security benefits and inform them on ways they can help maximize their benefits. Delaying filing for Social Security can potentially increase your benefit amount by a rate of 8% per year. For 2020, the average monthly benefit for retired workers is $1,503, while the maximum benefit is $3,011.

There is a lot to know about Social Security, and the more you know, the better decisions you can make, helping to bring you that much closer to maximizing your benefit. We will help you get the most you can out of your benefit, so you can take one step closer toward the comfortable and happy retirement you have worked so hard for!

Lipscomb Investment Group, LLC and Denson Lipscomb are not affiliated with or endorsed by the Social Security Administration or any government agency.