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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.

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.

business office
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.

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