Lance Financial Associates, Inc.
A Registered Investment Advisor
 

WHAT MAKES US DIFFERENT?

     
Our Mission
Our focus is on the wants and needs of retirees, and those seriously preparing for retirement, whose primary financial concern is the safety and security of their savings.  We locate and monitor accounts that seek to provide principal protection and attractive yields, as well as other benefits that our clients tell us are important to them.  We also help our clients with simple, effective estate preservation strategies, when they tell us this is important to them.  “We will create a plan for you designed to manage your savings with the goals of safety and security, protection of your assets and preservation of your estate.” 

A Referral Based Firm
Over 80% of our clients come to us by referral from existing clients.  “As an Independent Financial Representative, we can offer you a broad range of products that are not limited to any particular company”.  As a referral-based firm, we can take the time to continuously research all available options for our clients and base our recommendations to you on choices from everything that is available.  “It also allows us to provide you with an excellent level of service”.  It’s a simple and effective business philosophy.  We’d rather spend our time doing the best possible job for you and taking the best possible care of your ongoing needs, than spend our time pursuing new clients.

Our Focus

• Locate and monitor accounts that seek to provide principle protection and attractive yields.
• Strategies designed to provide lifetime income if needed to supplement pension income.
• Reduce or eliminate income taxes on savings earnings
• Avoid probate and estate taxes
• Protect savings from nursing home costs, even when long-term-care insurance is not an option
• 401 (k), IRA and Pension Plan rollover options
• Stop the IRS from inheriting savings that we want to pass on to loved ones.

As I mentioned, we are a referral-based firm.  Over 80% of our clients come to us by referral from other clients.  This is an extremely important reason why we feel we are different from everyone else in our business.  Many companies in our industry are required to spend a considerable amount of time finding new clients.  Regardless of how they attempt to disguise it, as soon as they complete a transaction they are immediately focused on finding their next client.  They are forced to run a transactional business. 

Because we’re a referral-based firm, we don’t have to spend our time finding our clients.  Our new clients are referred to us by our existing clients.  As a result, you’ll discover that we spend our time building true relationships with our clients by striving provide the very best information and service possible, on an ongoing basis.  Our efforts in this regard, are not just confined to areas that may generate new business between us.  Instead, you’ll find that we will continuously go the distance to provide significant and meaningful help to you anytime we can.  In return, our clients are happy to refer us to their family, friends and associates because they know that we will always treat their referrals with the same respect and professionalism with which we treated them.

Please help us continue to run our business in this manner by referring us to at least 3 people whom we may be able to help like we helped you.

We treat your referrals with complete respect.  We never just pick up the phone and call them.  Instead, we mail them introductory information with a Reply Form that allows them to let us know whether or not they want further communication with us, so that they know right away that they are in complete control of what, if anything, happens next.  We often, in fact, get thank-you notes from referrals, even when they are not ready to talk to us, thanking us for the manner in which we contacted them.

These are the folks we can help the most:
• People who are Retired
• People who are close to Retirement
• People who have Changed Jobs and may have had a retirement plan (401k, etc.) with a previous employer
• Public School Teachers or Administrators, whether retired or still working

Fees
We are paid a fee by the providers of any accounts or services that you choose to use.  In return, we only ask that, if we keep all of our promises to you, if you’re completely satisfied with the choices we helped you to make and if you’re comfortable with the process through which you made your choices, then you’ll refer family and friends to us.

Our Promises To You
We make the following promises to you:

• We will listen to you carefully, so we can show you all available options based on what we think you should have.
• We will always put your best interest first, even if that means referring you to someone else who can serve you better or letting you know that we can’t help you.
• We will never apply any “sales pressure” or try to rush you to make a decision.  We find out from you what’s important to you.  We’ll make you aware of all your options.  We’ll advise you of the benefits and features of each option, as well as the drawbacks.  Once you decide which options you’re most comfortable with, we’ll either help you chose the most competitive providers or refer you to someone who can better serve you or let you know that we can’t help you.  We simply ask, in return, that you be as direct and straight forward with us as we are with you.
• We will always provide you the very best service possible long after any transactions are completed.

What Our Being a Referral-Based Firm Means To You
We earn being a referral-based firm by considering only your best interest in our recommendations to you, even if that means passing on an opportunity to do business with you.  Our objective is not to complete a transaction and move on.  We continuously strive to provide our clients with an excellent level of service.  We are attentive to every detail that can help you protect and get the most from your savings.  This includes continuous access to concise, objective information you can use to make decisions that are comfortable for you in all areas of managing your savings.  Our dedication to your best interest allows us to be a referral-based firm.

 Representatives of Securities America do not provide tax or legal advice.  Please consult an appropriate professional regarding your situation