John Lynch has been named to the 2017, 2016, 2015, 2014, 2012, 2011 and 2010 lists of Barron's Top 1,200 Financial Advisors. Barron's Top 1,200 rankings are based on data provided by over 4,000 advisors. Factors included in the rankings were assets under management, revenue produced for the firm, quality of the practice, and other factors. Institutional assets are given less weight in the scoring. Investment performance isn't an explicit component. Advisors are examined based upon regulatory record, internal company documents, and 100-plus points of data provided by the advisors themselves.
Understanding Today’s Financial Environment
You have worked hard for decades accumulating a nest egg for retirement, and now that once-distant goal is coming sharply into focus. As you approach your retirement date, you will encounter many difficult decisions.
Do I have enough savings to meet my income needs in retirement?
Should I take my company pension as a lump sum, or should I opt to receive a monthly annuity?
What is the most appropriate mix of stocks, bonds, and alternative investments?
When should I start taking my Social Security benefits?
Do I need long-term care insurance?
These represent a sampling of the questions that render today's retirement investment landscape so daunting.
Who We Are
The Lynch Retirement Investment Group was established by John M. Lynch in 1987, and John has served as managing director of the group since its inception. With offices in Fulton (MD) and Fairfax (VA) the Lynch Retirement Investment Group became a separate and independent firm and began offering securities through Raymond James Financial Services in 2012. The team consists of ten full-time advisory and client services professionals with over 150 years of experience in the financial services industry, and manages over $500 million in client assets.
What We Do
The Lynch Retirement Investment Group advises clients on the proper methods of planning for and managing their retirement distributions as they transition into retirement. Since 1987, our advisors have been assisting corporate employees of Fortune 500 companies to adequately prepare for the financial eventualities of their retirement years.
The majority of our clients are retirees who have opted for lump sum distributions at retirement. Over the years, we have worked with clients from Northrop Grumman, Verizon, Exxon Mobil, and Chevron among others. While we are not affiliated with, nor endorsed by these corporations, we are very familiar with their retirement plan provisions and distribution options, and can help you select the appropriate options for your individual situation. Our clients count on us to provide the full breadth of their retirement planning, asset management and insurance needs. Our specialties include the following:
Navigating the tax laws surrounding Lump Sum distributions and IRAs
Strategies for avoiding the 10% Early Withdrawal Penalty prior to age 59 ½
Strategies for properly handling your company stock at retirement
Strategies for taking In-service 401(k) withdrawals while you are still working, and
Strategies for maximizing your Social Security benefits.
Welcome to the Lynch Retirement Investment Group. An independent firm.
Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.
Where Will Your Retirement Money Come From?
Retirement income may come from a variety of sources. Here's an overview of the six main sources.
How to Make the Tax Code Work for You
When you take the time to learn more about how it works, you may be able to put the tax code to work for you.
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An increasing number have been developed to help individuals with their personal finances.
An inside look at how marginal income tax brackets work.
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