Broker Check
Longevity Planning Estate Management 101 Should You Tap Retirement Savings to Fund College?
Barron's Top List

John Lynch has been named to the 2019, 2018, 2017, 2016, 2015, 2014, 2012, 2011 and 2010 lists of Barron's Top 1,200 Financial Advisors.

Barron's “Top 1,200 Financial Advisors,” March 8, 2019. Barron's is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The rankings are based on data provided by over 4,000 individual advisors and their firms and include qualitative and quantitative criteria.  Factors included in the rankings: asset under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.  Investment performance is not an explicit component because not all advisors have audited results and because performance figures often are influenced more by clients' risk tolerance than by an advisor's investment picking abilities. The ranking may not be representative of any one client's experience, is not an endorsement, and is not indicative of advisor's future performance. Neither Raymond James nor any of its Financial Advisors pay a fee in exchange for this award/rating. Barron's is not affiliated with Raymond James.

Woman pondering her financal future

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.

business office

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 office 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.

Financial Plan

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, while we are fully independent from the companies, we have worked with clients from Northrop Grumman, Verizon, Exxon Mobil, and Chevron among others. 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 office.

Helpful Content

Retirement Income and the Traditional Portfolio

Retirement Income and the Traditional Portfolio

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.

Insuring Your Second Home

Insuring Your Second Home

There are unique risks of owning a second home and obtaining the proper coverage may protect you from financial risk.

Rightsizing for Retirement

Rightsizing for Retirement

What does your home really cost?

 

What Is a Roth 401(k)?

Roth 401(k) plans combine features of traditional 401(k) plans with those of a Roth IRA.

To Catch a Thief

Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.

Choosing a Retirement Plan that Fits Your Business

To choose a plan, it’s important to ask yourself four key questions.

Password Protection Strategies

Simple steps may help you foil hackers and protect your privacy.

What If You Get Audited?

The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.

Spotting Credit Trouble

The wise use of credit is a critical skill. These 10 questions will help you assess your skill level.

View all articles arrow

Saving for Retirement

This calculator can help you estimate how much you may need to save for retirement.

Annuity Comparison

This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.

What's My Potential Estate Tax?

This calculator helps estimate your federal estate tax liability.

A Look at Systematic Withdrawals

This calculator may help you estimate how long funds may last given regular withdrawals.

Bi-Weekly Payments

This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.

What Is My Life Expectancy?

Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.

View all calculators arrow

Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

An Inside Look at Retirement Living

A number of questions and concerns need to be addressed to help you better prepare for retirement living.

View all presentations arrow

Exit Strategies of the Rich and Famous

Estate conservation is too important to put off. Do you have a smart exit strategy?

The Cost of Procrastination

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

Charitable Giving: Smart from the Heart

Do you have causes that you want to support with donations? Here are three tips.

What Can a Million Dollars Buy You?

$1 million in a diversified portfolio could help finance part of your retirement.

Should I Invest in Gold?

Learning more about gold and its history may help you decide whether it has a place in your portfolio.

Should You Tap Retirement Savings to Fund College?

There are three things to consider before dipping into retirement savings to pay for college.

View all videos arrow