As an independent planner with LPL Financial, we have the tools in our business to not only help you start in the right direction but to help you adjust as your goals and the current investment climate change. We are on your side of your goals and objectives. We focus on your retirement and legacy planning needs that may span 20 or more years. We not only focus on your concern of outliving your savings, but have a discussion with what products and services in the current investment climate meet your risk tolerance now and through your retirement years. Asset allocations may change over time but your goals and retirement are our main focus.