For copies of these articles, please speak to your ACH Investment Group representative

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results.

No investment strategy assures a profit or protects against loss.

All third parties referenced are separate entities from LPL Financial.

When you link to any of the web sites mentioned, we make no representation as to the completeness or accuracy of information provided at these web sites. The opinions found therein are those of the author(s) of the article or website.

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Financial Advisor Online, February 18, 2025 – “529s, UGMAs And Bonds: How To Gift Assets To The Grandkids”

The article source is here; https://www.fa-mag.com/news/how-to-gift-assets-to-grandkids-81391.html

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Investment News, October 30, 2024 – “Wealth Managers Eyeing Municipal Bonds Ahead of Tax Cut Sunsets”

The article source is here; https://www.investmentnews.com/fixed-income/wealth-managers-eyeing-municipal-bonds-ahead-of-tax-cut-sunsets/257965

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Investment News, October 11, 2024 – “The Business Continuity Planning Lessons Amid Helene and Milton”

The article source is here; https://www.investmentnews.com/practice-management/the-business-continuity-planning-lessons-amid-helene-and-milton/257662

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Financial Advisor Magazine, September 6, 2024 – “Will Fed Rate Cuts Make Fixed Annuities Less Desirable?”

The article source is here; https://www.fa-mag.com/news/how-interest-rate-cuts-mightcut-into-annuities-79427.html

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Financial Advisor Magazine, February 20, 2024 – “Advisors Say Buy Bonds Before Rate Cuts”

The article source is here; https://www.fa-mag.com/news/advisors-say-buy-bondsbefore-rate-cuts-77006.html

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Investment News, February 9, 2024 – “Why Some Advisors Have a Preference for Preferred Stock”

The article source is here; https://www.investmentnews.com/investing/news/why-some-advisors-have-a-preference-for-preferred-stock-249196

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Nasdaq.com, February 1, 2024 – “5 Essential Strategies for Effective Retirement Income Planning”

The article source is here; https://www.nasdaq.com/articles/5-essential-strategies-for-effective-retirement-income-planning

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GoBankingRates, October 25, 2023 – “How the Average Retirement Age and Wage Will Change in 10 Years for Men vs. Women”

The article source is here; https://www.gobankingrates.com/retirement/planning/how-retirement-age-wage-will-change-in-10-years/

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Money, September 8, 2023 – “How Long-Term Care Insurance Can Protect Your Inheritance”
See Janet’s quote in the section “Can I buy long-term care insurance for my parents?”

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Asset allocation and diversification do not protect against market risk.

This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional.

The source is here; https://money.com/long-term-care-insurance-protect-inheritance/

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US News, December 16, 2022 – “How Much Have 401(k)s Lost in 2022?”
See Janet’s quote in the section “How to Cope With Market Volatility”

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Asset allocation and diversification do not protect against market risk.

The source is here; https://money.usnews.com/money/retirement/401ks/articles/how-much-have-401ks-lost-in-2022

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Raleigh, North Carolina – May 2, 2022 – “Janet Fox Named to the LPL Ambassador Council”

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Raleigh, North Carolina – February 23, 2021 – “Janet Fox Recognized As One Of LPL Financial’s Top Financial Advisors“

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Raleigh News and Observer, August 25, 2015 – “Dow drops 588 points in wild day of trading“

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. All performance referenced is historical and is no guarantee of future results. All indices are unmanaged and may not be invested into directly.

The economic forecasts set forth in the presentation may not develop as predicted and there can be no guarantee that strategies promoted will be successful.

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Raleigh News and Observer, April 18, 2015 – “Kudos – Business Accolades

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Raleigh News and Observer, September 1, 2014 – “Budgeting tips to enjoy solvency in retirement“

The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time.

Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.

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Raleigh News and Observer, July 6, 2014 – “Revisit Formula for Retirement Savings, Spending“

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Raleigh News and Observer, January 1, 2012 – “Where Should You Put Your Money?”

Raleigh News and Observer, December 18, 2011 – “Clever moves can ease tax burden”

Raleigh New and Observer, January 2, 2011 – “Investment tips for 2011”

Raleigh News and Observer, March 22, 2009 – “Aged investors keep cool in downturn”

Business Leader Magazine, January 2003 – “Business Leader Impact 100”

Business Leader Magazine, June 1999 – “Doer’s Profile”

On Wall Street Magazine, November 2001 – “The Mood of Investors; Around the Dinner Table”