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

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.

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 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.

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, 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.

Helpful Content

Important Birthdays Over 50

Important Birthdays Over 50

Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.

How Does Your Credit Score Compare?

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.

Assess Life Insurance Needs

Assess Life Insurance Needs

How to help determine life insurance needs to provide for your family after you pass away.

 

Inflation & Your Money

It's important to understand how inflation is reported and how it can affect investments.

How the Federal Reserve Works

Each day, the Fed is behind the scenes supporting the economy and providing services to the U.S. financial system.

How Will Working Affect Social Security Benefits?

Knowing the rules may help you decide when to start benefits.

Assess Life Insurance Needs

How to help determine life insurance needs to provide for your family after you pass away.

Split Annuity Strategy

Here's one strategy that combines two different annuities to generate income and rebuild principal.

Estate Management Checklist

Is your estate in order? This short quiz may help you assess your overall strategy.

View all articles arrow

Should I Buy or Lease an Auto?

This calculator compares the financial impact of leasing versus buying an automobile.

What Is the Dividend Yield?

This calculator helps determine your pre-tax and after-tax dividend yield on a particular stock.

Tax Freedom Day

Assess how many days you'll work to pay your federal tax liability.

Impact of Taxes and Inflation

Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.

Interested in a Fuel Efficient Car?

Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.

Social Security Taxes

Estimate how much of your Social Security benefit may be considered taxable.

View all calculators arrow

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.

Protecting Those Who Matter Most

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

View all presentations arrow

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.

Should I Invest in Gold?

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

What Can a Million Dollars Buy You?

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

Suddenly Single: 3 Steps to Take Now

Have you found yourself suddenly single? Here are 3 steps to take right now.

Your DNA Test

If your family relies on your income, it’s critical to know what their needs would be in the event of your death.

View all videos arrow