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LPL

ABOUT LPL FINANCIAL

LPL Financial (Nasdaq: LPLA) was founded on the principle that the firm should work for the advisor, and not the other way around. Today, LPL is a leader* in the markets we serve, supporting more than 18,000 financial advisors, 800 institution-based investment programs and 450 independent RIA firms nationwide. We are steadfast in our commitment to the advisor-centered model and the belief that Americans deserve access to personalized guidance from a financial advisor. At LPL, independence means that advisors have the freedom they deserve to choose the business model, services, and technology resources that allow them to run their perfect practice. And they have the freedom to manage their client relationships, because they know their clients best. Simply put, we take care of our advisors, so they can take care of their clients. For more information about LPL Financial, visit www.lpl.com.

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WEEKLY MARKET COMMENTARY

Each week the LPL Financial Research team assembles thoughtful insight on market news.

Download Market Commentary
LPL RESEARCH

BELOW IS A LIST OF HELPFUL DOCUMENTS PROVIDED BY THE LPL RESEARCH TEAM

MIDYEAR OUTLOOK
MARKET OUTLOOK
GLOBAL PORTFOLIO STRATEGY
WEEKLY MARKET COMMENTARY

FIDUCIARY FOCUS

The Future of Your Company’s Retirement Plan

s an employer, you share the responsibility for guiding your employees toward making decisions that will afford them greater financial freedom in retirement. But here’s the quandary: Just as your workers look to you for financial guidance and advice, you must seek out an expert to help you navigate plan regulation and administration.
Do the following issues look familiar to your retirement plan committee?
  • Concerns over your employees’ retirement readiness
  • Fiduciary pressures to provide prudent investment options
  • New regulations that add to the complexity of administration
  • Timely (and potentially complex) fee disclosures to your participants
  • Outside advisors whose allegiances are split between plan providers and investment managers
  • Employees who feel they cannot afford to save, but are being courted by your competitors through their benefits programs
  • Watershed regulations that require greater transparency about disclosing relationships between plan sponsors and their advisors
Your need for competent, experienced retirement plan guidance—from a valued advisor with access to a wide range of options.  That’s why your plan should work with an independent retirement plan representative supported by LPL Financial.

A powerful extension of your retirement plan committee

Meaningful, timely information and research

An experienced retirement plan representative can offer you deep industry insights and knowledge of the regulatory landscape that help enable you to make informed choices for your plan’s individual needs.

Easy access to value-added investments and services

An experienced retirement plan representative can deliver proprietary research that’s designed to help you tap the world’s most talented investment management teams.

Customized service

An experienced retirement plan representative firm is committed to providing what you and your employees deserve and expect—great financial education at enrollment and one-on-one meetings.

About LPL Financial

LPL Financial (Nasdaq: LPLA) was founded on the principle that the firm should work for the advisor, and not the other way around. Today, LPL is a leader* in the markets we serve, supporting more than 18,000 financial advisors, 800 institution-based investment programs and 450 independent RIA firms nationwide. We are steadfast in our commitment to the advisor-centered model and the belief that Americans deserve access to personalized guidance from a financial advisor. At LPL, independence means that advisors have the freedom they deserve to choose the business model, services, and technology resources that allow them to run their perfect practice. And they have the freedom to manage their client relationships, because they know their clients best. Simply put, we take care of our advisors, so they can take care of their clients. For more information about LPL Financial, visit www.lpl.com.

LPL BY THE NUMBERS

1
LPL was founded in 1989
1
Financial professionals serviced
1
Ranked no. 440 on the Fortune 500 List 1
1
LPL was founded in 1989

#1 INDEPENDENT BROKER/DEALER

In the United States2

#1 MARKET SHARE

Among 3rd-party providers of brokerage services to banks and credit unions3.

TOP RIA CUSTODIAN

In the United States4

LPL ACROSS AMERICA

LPL has home offices in Austin, Boston, Fort Mill, San Diego, and financial professionals located in all 50 states.

SERVING & PROTECTING YOUR ASSETS

$ 1 T+
Brokerage and advisory client assets, serviced or custodied
7.9 +
Client Accounts Served
24 /7
Access to your account information via our mobile app and portal

ZERO to keep you and your assets protected

150+ CYBERSECURITY PROFESSIONALS

to keep you and your assets protected

$40M DEDICATED ANNUAL BUDGET

We invest in cybersecurity and data privacy to keep you and your data protected from cyberattacks

Data as of October 30, 2023

1-Fortune 500 ranks U.S. companies based on a review of the prior year's total revenue and factors such as profits after taxes, year-end assets and total stockholders' equity. 2-As reported by Financial Planning magazine, 1996-2023, based on total revenue. 3-2021-2022 Kehrer Bielan Research & Consulting Annual TPM Report. Based on market share of AUM, revenue, and advisors. 4-LPL is ranked the #4 custodian based on Cerulli Associates’ 2022 U.S. RIA Marketplace Report

ABOUT LPL FINANCIAL

LPL Financial (Nasdaq: LPLA) was founded on the principle that the firm should work for the advisor, and not the other way around. Today, LPL is a leader in the markets we serve,* supporting more than 22,000 financial advisors, and more than 1,000 institution-based investment programs and 500 independent RIA firms nationwide. We are steadfast in our commitment to the advisor-centered model and the belief that Americans deserve access to personalized guidance from a financial advisor. At LPL, independence means that advisors have the freedom they deserve to choose the business model, services, and technology resources that allow them to run their perfect practice. And they have the freedom to manage their client relationships, because they know their clients best. Simply put, we take care of our advisors, so they can take care of their clients.

*LPL is ranked the #4 custodian based on Cerulli Associates’ 2022 U.S. RIA Marketplace Report; No. 1 Independent Broker-Dealer in the U.S. (Based on total revenues, Financial Planning magazine 1996-2023); among third-party providers of brokerage services to banks and credit unions, No. 1 in AUM Growth from Financial Institutions; No. 1 in Market Share of AUM from Financial Institutions; No. 1 in Market Share of Revenue from Financial Institutions; No. 1 on Financial Institution Market Share; No. 1 on Share of Advisors. (2021-2022 Kehrer Bielan Research & Consulting Annual TPM Report). Fortune 500 as of June 2023.
This material was prepared by LPL Financial, LLC.
Securities and advisory services offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. To the extent you are receiving investment advice from a separately registered independent investment advisor that is not an LPL Financial affiliate, please note LPL Financial makes no representation with respect to such entity.
If your financial professional is located at a bank or credit union, please note that the bank/credit union is not registered as a broker-dealer or investment advisor. Registered representatives of LPL may also be employees of the bank/credit union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, the bank/credit union.

LPL RETIREMENT PLAN TOOLS

ADDRESSING THE CHALLENGE

If you’re like most plan sponsors, you have many demanding challenges competing for your attention. LPL representatives work with retirement plans every day, and they will help save you time and effort. LPL representatives bring the experience and tools that deliver value, help seek to improve participant outcomes, and help manage your fiduciary risks. When you partner with an LPL retirement representative, we work together to create an optimal, tailored plan configuration, helping you provide a customized fit for your employees.

Fiduciary Best Practices

Fiduciary Monitoring System

Efficiently monitors your investment lineup and notifies you of changes in performance or criteria, and creates a customized investment policy statement.

Retirement Plan Health Check

Objective reporting on your plan’s health and value, using key plan attributes in comparison to a valid peer group. Attributes may include age based group deferral rates, average account balances, portfolio diversification by age group and in total, aggregate plan performance, and more.

Industry Reports

Detailed report covering the annual PLANSPONSOR Defined Contribution Study of more than 5,000 plan sponsors in 28 industries.

ERISA Help Desk

Technical help and answers from industry professionals are always within reach so your LPL representative can inquire about even the most complex questions and situations on your behalf.

Fiduciary Vault

Centralized storage for all plan-related forms and documents, including plan reviews, meeting notes, announcements, and more.

Enhanced Fiduciary Capabilities

Our tools are enhanced through a partnership with Fiduciary Benchmarks, Inc., a leader in plan benchmarking technologies.

Retirement Outcomes Evaluator

Provides a process that promotes better participant outcomes

PlanPoint, PlanProfile, and FeeChecker

PlanPoint, PlanProfile, and FeeChecker

V2.1 Full Benchmarking Report

Helps you analyze the reasonableness of fees, rather than merely knowing what they are

Prudent Fee Management

Expense Analyzer

Provides clarity on plan fees by generating a cohesive analysis and report. Shows immediately whether the plan’s fee structure is competitive.

Fee Comparison and Analysis Evaluation

Creates a comprehensive fee-analysis overview covering total plan fees, including those for investment management, recordkeeping, and advisor/ consultant, as well as plan benefits and features.

Investment Due Diligence and Benchmarking

Investment Due Diligence

Timely research reports from the LPL Financial Research Team, compiling precise quarterly reports to keep your advisor up-to-date on funds and the market.

Fund Line-up Comparison Tool

Compares up to five service provider portfolios for fees and performance, demonstrating relative strengths and weaknesses of fund options.

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