Lough Investment Advisory provides comprehensive, holistic financial planning to clients on a fee-only basis. Unlike most financial service providers, we sell no products and collect no commissions or hidden fees. This approach results in each client receiving only appropriate services, free from conflict of interest, and often at a lower overall cost.
Most middle-income individuals and families work with a number of separate "advisors" who rarely, if ever, communicate with each other. One advisor prepares taxes (or the clients prepare their own), another assists in the writing of wills, another sells insurance, while still another handles investments! This approach offers you individual, objective advice in all these areas, integrated into a single, comprehensive financial plan designed to help you achieve your goals. The services most commonly offered by advisors using this approach include:
Tax Planning and Preparation
Audit Protection
Portfolio Analysis including Second Opinions
Estate Planning
Insurance Advice
Retirement Planning - Retirement Distribution Strategies
Employee Benefit Planning
Record Keeping Systems
Implementation Assistance
Client Education
As your advisor we may offer you additional services on a Project Basis beyond those listed here and/or may work with other professionals to provide you with the full-spectrum service you need. We offer our services on a retainer basis. While the most popular option is a standard, open-ended retainer (this means you pay a single annual fee and can call or come in as frequently as needed), As a rule of thumb we work with clients, only, where we can provide savings and/or added benefits in excess of our cost, so it is a win-win for everybody!
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