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What to Expect

Our friendly and experienced LPL Financial Advisors will walk you through a comprehensive, four-step approach to work toward reaching your goals.

 
 
  1. Gather Records
    Prior to your first appointment, you'll be asked to locate and bring the following items:
    • Most recent tax return
    • List of what you own and owe
    • List of your estimated monthly expenses
    • Most recent pay stub
    • Information regarding any employee benefits
    • Insurance policies or statements
    • Wills or trusts
    • Estimate of Social Security benefits
    • Any questions you may have
    Although the list above appears intimidating, most of your effort will consist of pulling information from existing files.
     
  2. Planning and Needs Assessment
    With your financial records in hand, your Financial Advisor can objectively:
    • Analyze your assets, liabilities, cash flow and budget
    • Review your short and long term financial goals
    • Assess your needs regarding immediate income, educational expenses, retirement income, and special situations
    • Determine your investment risk tolerance and time horizons
       
  3. Personal Roadmap
    After careful study, your LPL Financial Advisor will produce and review with you a detailed, customized report with recommended strategies for asset allocation, insurance coverage and tax reduction - your personal roadmap toward financial security.
     
  4. Ongoing Review & Reporting
    You'll receive regular statements and yearly reports from your Financial Advisor. When appropriate, strategies will be re-evaluated and changes in your personal roadmap suggested.
 

Terms & Conditions

Financial Consultants are registered with and securities and advisory services offered through LPL Financial, a registered investment advisor, Member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. North Island Credit Union and the Investment Department at North Island Credit Union are not registered broker dealers, nor are they affiliated with LPL Financial. Representatives are employees of North Island Credit Union and registered through LPL Financial. North Island Credit Union CA Insurance license #0719223.

Not NCUA InsuredNo Credit Union GuaranteeMay Lose Value

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Arizona, California, Colorado, Florida, Georgia, Idaho, Nevada, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington.