Top 10 Benefits of Working With Laraway 1RELATIONSHIPSAt LFA, our experienced advisors get to know you personally. They take the time to build a relationship, to learn what’s important to you, and to help you fulfil your dreams.2GOALSLFA will help you establish appropriate, realistic, and manageable financial goals. We can help you determine what you want or need to accomplish and put processes in place to help achieve those goals.3ASSET ALLOCATIONAllocating funds among various investment vehicles and asset classes is at the heart of what LFA will do for you. Asset classes exhibit different market dynamics and different interaction effects which can all affect the performance of your investment portfolio. It’s our job to know and understand this so you don’t have to.4RISK MANAGEMENTLFA will manage your risk based on non-market factors (such as advancing age, a change in goals or a change in circumstances). We can also provide other tools for managing risk including asset/liability matching and tactical adjustments due to long term factors. We can also offer various hedging and insurance strategies.5BEHAVIORAL MANAGEMENTWithout our help, you may be likely to make knee-jerk reactions to the market. LFA can mitigate these tendencies through more careful and thoughtful analysis, keeping you from taking action too hastily and without sufficient reason.6SIMPLICITYIn a world where personal financial issues have become increasingly and often unnecessarily complex, LFA will simplify the process for you. Our experienced advisors can help you figure out what is true and what isn’t, what works, what matters, what is useful, and what can go wrong.7PROTECTIONLFA can protect you against fraudulent investment “opportunities,” especially those that tend to prey on seniors.8TAX EFFICIENCYLFA recognizes that tax efficiency matters and we will provide the best approaches for dealing with taxes related to your investments.9FINANCIAL PLANNINGFinancial planning is much broader than just managing your investments. It involves budgeting, goals, appropriate insurance, comprehensive planning for lifestyle, retirement, legacy, and more. It also involves crisis prevention and management. Great investment management can be undone in a hurry with poor financial planning. The experts at LFA can work to help you formulate, monitor, adjust, and meet your personal and financial goals.10COMMUNITY INVOLVEMENTAt LFA, we support the communities in which we live and work. We volunteer our time and talents on a variety of committees, boards, and councils. We believe it is important to give back in whatever way we can.Securities offered through Cambridge Investment Research, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Service offered through Laraway Financial Advisors, Inc. dba LFA, a Registered Investment Advisor. Cambridge Investment Research, Inc., is not affiliated with Laraway Financial Advisors, Inc. dba LFA.