It's hard to plan without direction.

We understand that starting a financial plan can feel overwhelming and that confidence needs to be earned. That's why we focus on building genuine relationships. We listen carefully, learn what matters most to you, and design strategies that feel as familiar as if they came from family.
 Our goal is simple: make investing approachable and confidence-inspiring. 
Let's get started: together! 
 

What We Cover Together:

  • Retirement and incoming planning
  • Portfolio oversight
  • Risk assessment
  • Preservation strategies 
  • Estate and legacy planning
  • Education and funding goals
  • Budget and cash-flow reviews





































Working with an

LPL Advisor

LPL Financial is a registered investment advisor and a broker/dealer, which means that an LPL advisor can offer you both investment advisory and brokerage services. We want to make sure you're aware of some of the important considerations to take into account when deciding which type of service best serves your investment goals and needs. 

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LPL is an investment advisor registered with the Securities and Exchange Commission (SEC) under the Investment Advisers Act of 1940. As an investment advisor, LPL has a fiduciary responsibility to its advisory clients and, as such, is obligated to act in the best interests of clients and make full and fair disclosure of all material conflicts of interest. LPL advisors offer a number of investment advisory programs and services, including discretionary programs such as Strategic Asset Management (SAM), Model Wealth Portfolios (MWP), and Personal Wealth Portfolios (PWP); mutual fund asset allocation programs such as Optimum Market Portfolios (OMP); and planning services. 
 
Under its investment advisory programs and mutual fund asset allocation programs, LPL advisors provide ongoing investment advice and monitoring of client portfolios. These services may be on a discretionary basis, which means that you don't need to direct your advisor to make trades, rebalance your portfolio, or make other investment decisions for your account. For such services, clients pay LPL a fee for investment management, brokerage, custody, and administrative services. The fee, which is negotiated between the LPL advisor and the client, is typically a percentage fee based on the value of assets in the account. These ongoing services and fees are set out in the Investment Advisory Agreement between LPL and the clients, which the client can terminate at any time. 
 
As an alternative, or in addition to ongoing investment advice in an advisory program, clients may engage with an LPL advisor for planning services. The client pays a flat fee or an hourly fee for this type of service, which is not ongoing. 
 
As noted above, when LPL acts as an investment advisor, it's required to disclose all material conflicts of interest between LPL and its advisory clients. At the time of engagement, advisory clients receive a Form ADV disclosure brochure that contains important information about LPL and the LPL advisor, the advisory service to be provided, the fees to be paid for such services, and material conflicts of interest. Such disclosure brochures may be obtained by visiting www.lpl.com and selecting "Disclosures" and then "LPL Financial Firm Brochure and Program Forms for Advisory Services." When considering whether to engage an LPL advisor, it's important that you carefully read the account agreements and disclosures that are provided to you. 
LPL is also a broker/dealer registered with the SEC and a member of the Financial Industry Regulatory Authority (FINRA). In addition, LPL is registered as a broker/dealer with each of the 50 states. As a broker/dealer, LPL includes the following services:
  • Taking customer orders and executing securities transactions
  • Making recommendations to buy, sell, or hold securities
  • Custodial services
Unlike an investment advisory relationship in which clients pay an ongoing asset-based fee, in a brokerage relationship, clients typically pay a commission to LPL on each transaction in the account.  Clients don’t pay commission in an advisory relationship.  The amount of the commission in a brokerage relationship varies depending on the security or investment product selected by the client.  For mutual funds, the commission or sales load is typically paid up front, is charged directly against the investment, and is based on the amount of assets invested.  For example, if you have $1,000 and want to invest it in a mutual fund Class A share with a 5% front-end load through a brokerage relationship, the $50 sales charge you must pay comes off the top, and the remaining $950 is invested in the fund.  Mutual funds typically offer multiple share classes that have different fees and expenses and pay brokers in different ways.  The applicable sales charge is described in the prospectus or other offering document of the investment product provided to the client in connection with the investment.  As a broker/dealer, LPL may also receive other types of fees and compensations, such as trail payments (also called 12b-1 fees) and markups.

When LPL acts as a broker/dealer it has a duty to deal fairly with its brokerage clients.  When an LPL advisor makes a recommendation about a security in a brokerage relationship, LPL has an obligation to determine that the recommendation is suitable for the client based on the client’s stated investment objective, risk tolerance, tax status, and other information provided by the client.  Unlike an investment advisory program account, the LPL advisor does not have a duty to provide ongoing investment advice with respect to a brokerage account.  LPL does not take discretion from its brokerage clients; in other words, LPL will only place transactions for its brokerage clients upon direction from the client.  LPL’s obligation to disclose detailed information to clients about the nature and scope of its business, fees, conflicts of interest, and other matters is more limited than in the context of an investment advisory relationship.
Here are some questions you mat wish to ask yourself when deciding whether to work with an LPL advisor in an advisory or brokerage relationship:
  • Do you want or need an advisor to manage your investment portfolio? If so, an advisory relationship may be the right choice. 
  • Do you prefer, instead, to make the investment decisions yourself and are just looking for the advisor to execute on your orders? If so, a brokerage relationship may be the right choice.
  • Do you want to engage an advisor in a fiduciary capacity with a duty to provide you ongoing investment services? If so, an advisory relationship may be the right choice. 
  • Do you desire, instead, only occasional advice or recommendations on a particular investments from an advisor? If so, a brokerage relationship may be the right choice. 
  • What do you expect will be the number and size of the holdings and transactions in your portfolio? If you plan to hold a number of securities and to be transacting and rebalancing the portfolio on a frequent basis, an advisory account may be the right choice. However, if you plan to buy only a few securities and follow a buy-and-hold strategy for a long period of time without ongoing advice from an advisor, a brokerage relationship may be the right choice. 
  • Do you wish to work with an advisor where the fee is consistent and not tied to the number or type of transactions in the account? If so, an advisory relationship may be the right choice. 
  • Do you prefer, instead, to pay your advisor for each transaction that you place? If so, a brokerage relationship may be the right choice. 
In some cases, an advisory relationship may cost you more than a brokerage relationship.  However, in other cases, a brokerage relationship may cost you more.  These questions and the information above will help you determine what level of service and pricing structure is appropriate for you.  Keep in mind that your needs and goals may change over time, and how you transact business with your advisor may change as well.  As such, this should be a topic you review with your advisor over the course of your relationship.  If you have any questions about the differences between and advisory and brokerage relationship, ask your LPL advisor, who is a valuable resource to help you make the investment decisions that are in your best interest. 







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CS Bank provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html 

Please visit https://www.lpl.com/CRS for more detailed information.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. CS Bank and CS Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CS Investment Services, and may also be employees of CS Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, CS Bank or CS Investment Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by FDIC or Any Other Government Agency Not Bank Guaranteed
Not Bank Deposits or Obligations May Lose Value

The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: AL, AR, CA, CO, CT, FL, HI, IA, IL, IN, KS, MO, NJ, NY, OK, TN, TX, VA, WA, WI.