Saving for Retirement A Partner For Your Financial Future With Objective Professional Advice....... Saving for retirement and managing your finances can be easier with a professional by your side. As your GEM advisor, our mission is to become your partner for financial success in retirement—to make a difference for you, your family and your future.As retirement nears, whether it is at 40 or 67, you will face many decisions – including when to retire, how to invest before and during your retirement years, to whom you wish to leave your assets and how to transfer assets in the least taxing way. Your decisions like getting married, having children, traveling etc. require financial resources. With a GEM advisor, your choices are supported by financial guidance and expertise so you aren’t facing them without a plan.Among one of the first decisions you’ll need help with is facing how you integrate social security benefits into your retirement income plans. Social security and the healthcare component, Medicare, affect virtually every client and prospective client we meet. Like many of the choices surrounding retirement, there is no one best solution, nor is determining the best answer for any one client a simple and straightforward one. Our customized investment strategies and financial plans help you to navigate and make suitable choices for you and your family.At GEM Advisors, we are able to guide you with over 100 years of advisory experience backed by the substantial resources and support of our broker/dealer, LPL Financial:Disciplined and consistent approach to asset allocation – Regular client reviews of your financial plan and investment strategies to fund your annual goals and objectives. Analysis and review of ETF’s, mutual funds, individual stocks and bonds as well as concentrated positions to insure alignment with your risk tolerance. Financial strength – LPL is a diversified financial services company and one of the largest independent broker/dealer, as reported in Financial Planning Magazine June 1996-2016, based on total revenue, supporting numerous financial advisors nationwide. Objective advice – Our GEM Advisors provide objective advice. Because neither GEM nor our custodian, LPL Financial, offers proprietary products or engages in investment banking, we provide objective guidance. LPL also has one of the industry’s largest independent research departments, giving our team access to a wide range of ETF’s, mutual funds, individual stocks and bonds. Account protection – The LPL Financial SIPC Membership provides account protection up to a maximum of $500,000 per customer, of which $250,000 may be claims for cash. An explanatory brochure is available at www.sipc.org. Additionally, through London Insurers, LPL Financial accounts have additional securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $575,000,000 subject to conditions and limitations. The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments.As a registered independent advisory firm, our advisors take the time to learn about your needs, hopes and concerns, and develop a comprehensive strategy to help you pursue your goals. We offer access to a wide range of financial products and services and can help you build a diversified portfolio of well-managed investments to fund your comprehensive financial plan.We welcome the opportunity to have a consultative discussion with you and explore how we could work together. Please call us at 847-680-3082.Investing involves risk including loss of principal. Asset allocation and diversification does not ensure a profit or protect against a loss. No strategy assures success or protects against loss.