Welcome!
Michael Labedz of LPL Financial provides Independent Financial Consulting that helps individuals and businesses create a comprehensive plan to help them pursue thier long term goals. We are Fiduciaries in advisory relationships and put our clients interests above our own and are mainly fee based Advisors.
We preserve your future by providing insurance benefits such as health, life, disabilty and LTC insurance. We then aim to grow your wealth by creating ongoing contibutions to retirement plans, investment accounts and college plans.
We are independent and have the ability to use Advisory accounts and institutional investment options such as REITs, Business Development Companies, Options,Managed Futures, Structured Notes and other investment options.
Being independent advisors means we are free to recommend only those products and services that address our clients’ needs – that is, no quotas or pressure to sell proprietary products. Truly independent research enables us to choose investments solely on the merits of their characteristics and their suitability for you and your company.
We look forward to serving you and consider referals from our clients as a compliment and thank you for a job well done.
Newsletters
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Beware of These Life Insurance Beneficiary Mistakes
Naming a life insurance policy’s beneficiaries should be a relatively simple task, but there are some situations that can lead to unintended and adverse consequences.
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Roth 401(k) News: Is It Time to Rethink How You Save for Retirement?
High-income participants will not be allowed to make pre-tax catch-up contributions to a traditional 401(k) or similar plan starting in 2026, but they will be able to contribute to a workplace Roth.
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Key Retirement and Tax Numbers for 2024
This article presents the IRS’ cost-of-living adjustments for 2024 that affect contribution limits for retirement plans and various tax deduction, exclusion, exemption, and threshold amounts.
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Do You Have These Key Estate Planning Documents?
This article provides an overview of four estate planning documents that almost everyone should have: a durable power of attorney, a medical directive, a will, and a letter of instruction.
Calculators
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Impact of Inflation
Estimate the future cost of an item based on today’s prices and the rate of inflation you expect.
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IRA Eligibility
Use this calculator to determine whether you qualify for the different types of IRAs.
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Retirement Portfolio Lifespan
How Long Will Your Funds Last?
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Cost of Retirement
Use this calculator to estimate how much income and savings you may need in retirement.