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Comprehensive Financial, Retirement and Estate Planning
• Protect your estate from taxes . . .
Like many people, you may have significant assets in your pension plan, IRA or 401K plan. This is desirable, but there is a downside — Taxes. You could be subject to combined income and estate taxes of up to 80%. LMS Financial Services can help you develop strategies that will reduce the impact of these taxes.
• Increase your income . . .
If you have low-yielding, highly appreciated securities outside of a pension plan, it may be to your financial advantage to consider making a charitable gift. LMS Financial Services can show you how this can effectively increase your income.
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THE LMS ADVANTAGE
• Professional • Confidential • Objective • Thorough
• Service-Oriented, Comprehensive Approach
THE LMS APPROACH
Our process includes an examination of the three phases of the financial life cycle: accumulation, distribution, and conservation.
Our unique approach to planning examines your entire financial picture, developing strategies to maximize your net worth.
THE LMS PROCESS
| • Information Gathering |
| | In-depth analysis to assess your current financial situation |
| • Identify Objectives |
| | Clearly define goals in terms of accumulation and distribution of wealth, estate conservation, business succession, unique family issues and philanthropy. |
| • Make Recommendations |
| | Identify potential problems and develop alternative solutions and options. |
| • Implementation |
| | Once you decide on a course of action, we coordinate implementation with your other advisors. In addition, we facilitate the placement of insurance and investments. |
| • Annual Review |
| | We review your plan each year to assure that it remains in line with your objectives. |
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Products & Services
Business
• Group Medical & Dental Insurance
• Group Life & Disability Insurance
• Key Person Protection & Retention
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Personal
• Life & Disability Insurance
• Long Term Care Insurance
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LMS Financial Services was founded by Lewis M. Schwartz. Lew has over fifteen years experience in the financial services industry. He is a CPA and earned his MBA from Washington University in St. Louis. A graduate of Temple University, he serves on the University's Planned Giving Advisory Council.
Lew is an active member of the Philadelphia and Bucks County Estate Planning Councils. He is treasurer and serves on the board of directors of the Planned Giving Council of Greater Philadelphia. Lew is currently heading an effort of the United Way of Bucks County to establish a Planned Giving Program.
LMS provides retirement and estate planning services to a wide variety of clients including business owners, executives and retirees. |
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LMS Financial Services
25 South Main Street, #128
Yardley, Pennsylvania 19067
Telephone: 215-504-7446
Facsimile: 215-504-7456
Email:
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