Fee-based Advisory programs (through Cambridge Investment Research Advisors, Inc.) allow our representatives to offer clients professional portfolio management using either stocks, bonds, mutual funds, variable annuities or some combination thereof.  Fee-based asset management provides clients with a customized solution for their long-term investment objectives.  To accomplish this we:

• Determine client’s investment goals, time horizon and risk tolerance
• Establish an investment plan according to the client’s objectives
• Provide professional financial advice and account management
• Execute all securities transactions
• Monitor client’s portfolio on an ongoing basis

One of the many advantages of fee-based advisory programs is that they allow you to fully utilize the concept of asset allocation. Most fee-based advisory programs offer a variety of asset allocation models from which to choose. By definition, asset allocation is the apportioning of investable funds among a variety of asset classes with each class in the portfolio reacting differently to similar economic events. The strategy’s objective is to offer more opportunities for potential growth in some portion of the portfolio in changing investment environments.

In addition to asset allocation, there are many other advantages to using fee-based advisory programs. These include:

Consolidated Client Statements- A proper asset allocation strategy may require investing in a wide variety of financial products, each producing its own statements. With fee-based programs, you receive one consolidated statement providing you with the current values of all your holdings.

Objectivity- Fee-based programs offer clients a wide variety of investment choices, including certain no-load, load-waived and institutional mutual funds.  Because of the wide universe of investment options available through fee-based programs, financial professionals can exercise greater objectivity in investment selection based on your specific goals and objectives.

Higher Quality Service-With the financial professional’s compensation directly related to the performance of your account, you share the same goal–namely, achieving your long-term investment objectives. This in turn leads to a higher level of personal service. Fee-based Advisory programs allow a representative to offer clients professional portfolio management using either stocks, bonds, mutual funds, variable annuities or some combination thereof. 

In designing a portfolio, Lincoln Financial Securities Corporation Representatives have access to thousands of mutual funds and do not use any proprietary funds.  Our fee structure is extremely competitive and is based on a declining percentage of assets under management.

If a fee-based advisory program  sounds interesting to you, please don’t hesitate to contact one of our Lincoln Financial Securities Corporation Representatives.