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.
How Does Your Credit Score Compare?
Have you ever wondered how your credit score compares to the rest of the country? Take a look and see.
Keep Your Umbrella Handy
Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected.
Split Annuity Strategy
Here's one strategy that combines two different annuities to generate income and rebuild principal.
Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.
Looking forward to retirement? It's critical to understand the difference between immediate and deferred annuities.
There are things about Social Security that might surprise you.
For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.
Most women don’t shy away from the day-to-day financial decisions, but some may be leaving their future to chance.
Preparing for college means setting goals, staying focused, and tackling a few key milestones along the way.
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
This calculator may help you estimate how long funds may last given regular withdrawals.
This calculator helps estimate your federal estate tax liability.
This calculator can help you estimate how much you may need to save for retirement.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The importance of life insurance, how it works, and how much coverage you need.
Using smart management to get more of what you want and free up assets to invest.
When do you need a will? The answer is easy: Right Now.
If your family relies on your income, it’s critical to know what their needs would be in the event of your death.
Estate conservation is too important to put off. Do you have a smart exit strategy?
Why are 401(k) plans, annuities, and IRAs so popular?
$1 million in a diversified portfolio could help finance part of your retirement.
Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.