The Nation s Leading Independent Source of Financial Services and Investment Advice. Linsco/Private Ledger

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1 The Nation s Leading Independent Source of Financial Services and Investment Advice Linsco/Private Ledger

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3 The Need for Objective Advice Has Never Been Greater You re faced with a wide array of financial concerns. You may need to provide financial support for a college or graduate education. Or to support an aging parent. You must prepare for your own retirement. And consider what s to be done with your estate. You re also confronted with an ever-growing number of investment and insurance products and services, and more ways to access them than ever before. Should you invest in mutual funds? Annuities? Individual securities? Or an all-in-one asset management program? How much insurance do you need? Add it all up, and your need for competent, objective financial guidance has never been greater. LINSCO/PRIVATE LEDGER A LEADING SOURCE OF UNBIASED FINANCIAL ADVICE Linsco/Private Ledger (LPL) is a leading source of objective advice for accumulating and managing personal wealth. LPL was formed in 1989 through the merger of two small but successful brokerage firms, Linsco (established in 1968) and Private Ledger (founded in 1973), and has been named the nation s #1 independent brokerage firm for nine consecutive years.* LPL seeks to fulfill your needs with suitable options from a wide range of the nation s top providers of: Mutual funds Comprehensive asset management accounts Variable and fixed annuities Individual stocks and bonds Estate, college, business, tax and retirement planning Domestic and foreign securities Alternative investments Insurance Trust services Mortgage services * Based on revenues as reported in Financial Planning magazine, June

4 The Nation s Leading Independent Source For Financial Services In recent years, independent brokerage firms those offering the products of many nonaffiliated companies have grown rapidly. Many of the most successful investment professionals have come to realize the value of independence both for them and their clients and want to provide unbiased and independent advice. Since its inception, LPL has stood at the forefront of this growing market as the most truly independent firm in the industry. Independence at LPL translates to more freedom of product choice, more service, more regulatory expertise and more technological capabilities. That s because providing LPL Financial Advisors with the tools, training and support they need to offer professional advice, products and service to their clients is the one and only business focus at LPL. YOUR ADVISOR IS A SEASONED, AUTONOMOUS PROFESSIONAL LPL Financial Advisors must have the experience and dedication necessary to build a successful and self-directed practice. This autonomy allows them to concentrate their efforts on the aspects of financial services where they are strongest and can be of the greatest help to you, the client. YOUR NEEDS COME FIRST LPL offers no investment products of our own, so LPL Financial Advisors can devote their time and energies not to product quotas and sales goals, but to understanding your individual financial objectives. To help them meet your needs with suitable options, LPL provides access to thousands of individual securities and forms alliances with the nation s leading providers of investment and insurance products. TOP-NOTCH INVESTMENT RESEARCH Because LPL doesn t offer proprietary products and doesn t engage in investment banking activities, we are able to provide unbiased investment recommendations that integrate a broad scope of investment products, including stocks, bonds, annuities and mutual funds. LPL Financial Advisors have direct access to our analyst team and to state-of-theart tools and technology designed to help increase the value and impact of our independent research. This helps financial advisors to focus on customer relationships and investment solutions.

5 INVESTMENT SOLUTIONS FOR ALL OF YOUR NEEDS Few independent brokerage firms can match the depth and breadth of technology LPL has created for our financial advisors technology that can address a variety of financial needs and situations. Your LPL Financial Advisor can buy and sell individual securities, mutual funds and annuities quickly and efficiently via LPL s online order entry system. If you prefer a more comprehensive approach, your LPL Financial Advisors can formulate a personalized investment management strategy. Our fee-based asset management programs range from one that may combine mutual funds, individual securities and a no-load annuity in a single portfolio to one that utilizes leading institutional money managers. LPL Financial Advisors also have access to proprietary software for integrated estate, retirement and college planning. ACCOUNT PROTECTION To give clients the maximum level of protection for their accounts, LPL brokerage account assets are protected up to $100 million. LPL s SIPC membership provides account protection up to a maximum of $500,000, of which $100,000 may be in cash. For more information, visit Additionally, through Lloyds of London, LPL accounts have additional securities coverage of $99.5 million per account, subject to a $500 million aggregate firm limit. The account protection applies when a SIPC 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. YOUR ONE-ON-ONE RELATIONSHIP IS SUPPORTED BY HUNDREDS More than 1,000 LPL employees in Boston and at our seven-acre campus in San Diego assist our financial advisors with everything from product knowledge to customer service. LPL has developed high-quality continuing education programs for financial advisors to ensure they fully understand the available products and the most suitable uses. Our training discipline also stresses the necessity and the benefit of adhering to both the spirit and letter of the securities laws when selecting investment options for you.

6 As the leading independent broker/dealer, Linsco/Private Ledger (LPL) continues to set the standard for the industry. LPL has grown steadily in financial strength since 1989 and today has the highest annual revenues and excess net capital of any independent broker/dealer. LPL s commitment to serving its financial advisors and their clients has guided its growth in the past, and it will continue to be its hallmark in the future. Because LPL Financial Advisors must have the confidence and dedication needed to build successful practices, LPL selects only those with high levels of experience. LPL s over 5,500 financial advisors nationwide possess an average of 10 years experience in financial services when they join LPL. LPL s rise to prominence has been driven by a commitment to independence, excellence and the simple premise that achieving your financial goals requires: Solid, unbiased advice Meaningful, timely information and research Easy access to value-added investments and services Unparalleled customer service Your LPL Financial Advisor can deliver all of these to you thanks to support from LPL s technology, our comprehensive training programs and our dedicated personnel. As LPL moves into our fourth decade, we remain committed to leading the independent brokerage business. We continue to set the highest standards in every aspect of supporting our financial advisors so that they may help you realize a new standard for your financial future.

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8 Linsco/Private Ledger Member NASD/SIPC A Registered Investment Advisor CM016BR2-0504