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Linnard Financial Management & Planning, Inc.

Fee-Only Financial Planning and Investment Advisor

DJIA 1990's


An advisor who is willing and able to change your portfolio allocation, considering your needs alone as economic or your personal conditions require

LFM&P: Economic and personal conditions change all the time. Your portfolio should remain flexible and be adjusted to reflect the level of economic risk as well as changes to your own personal conditions and risk tolerance.

Common Industry Practice: Your portfolio allocation remains fixed, a captive of impersonal management and a “buy-and-hold” philosophy, regardless of economic risk. This conventional approach led to large losses in the two bear markets the last two decades, in some cases for investors who could ill-afford them.