Wealth Management

Saving for retirement and protecting your family is crucial. We can no longer just work for our money – our money must work for us. LM Federal Financial Planning and Wealth Management services exists to grow your wealth. Whether you’re just starting out or looking to maximize and build your savings, we can help improve your financial situation.

LM Federal Wealth Management is partnered with Money Concepts, a worldwide network of financial planning centers keyed to individual, family and business planning. It is associated with Money Concepts Capital Corp., a broker-dealer and member of FINRA and SIPC. Together, they provide insurance, investment and financial planning services to thousands of families worldwide. Their mission is in line with ours – to make professional financial planning available to everyone – not just the affluent.

All Securities Offer Through Money Concepts Capital Corp. | Member FINRA / SIPC

Money Concepts Advisory Service is a Registered Investment Advisor with the SEC
All Non Securities and Non Advisory Products through Money Concepts International, Inc.
11440 North Jog Road, Palm Beach Gardens, Florida 33418 | www.moneyconcepts.com | 561-472-2000
Products offered; 1. Are not federally-insured; 2. Are not obligations of the credit union; 3. Are not guaranteed by the credit union; 4. Involve investment risk, including loss of principal.

Our focus is on you, not on selling a particular product. This is why we give you a choice in how you partner with us:

• Fee only – Pay only for services you use, from a complete financial plan to collaborative investment accounts.
• Traditional – Get professional help with services across the financial spectrum such as mutual funds, life insurance, long term care insurance, retirement annuities and more.
• Fee based – Your assets will be managed by one of over 200 professional investment firms for an annual fee, generally a percentage of the managed assets.

All Securities Offer Through Money Concepts Capital Corp. | Member FINRA / SIPC

Money Concepts Advisory Service is a Registered Investment Advisor with the SEC
All Non Securities and Non Advisory Products through Money Concepts International, Inc.
11440 North Jog Road, Palm Beach Gardens, Florida 33418 | www.moneyconcepts.com | 561-472-2000
Products offered; 1. Are not federally-insured; 2. Are not obligations of the credit union; 3. Are not guaranteed by the credit union; 4. Involve investment risk, including loss of principal.

Call and make an appointment to take the first step towards improving your financial future.

 Check the background of this investment professional:

All Securities Offer Through Money Concepts Capital Corp. | Member FINRA / SIPC

Money Concepts Advisory Service is a Registered Investment Advisor with the SEC
All Non Securities and Non Advisory Products through Money Concepts International, Inc.
11440 North Jog Road, Palm Beach Gardens, Florida 33418 | www.moneyconcepts.com | 561-472-2000
Products offered; 1. Are not federally-insured; 2. Are not obligations of the credit union; 3. Are not guaranteed by the credit union; 4. Involve investment risk, including loss of principal.

Get the latest information on financial planning and wealth management topics with our monthly Wealth Management email newsletter. 

• Market Month: August 2024
• It's Complicated: Inheriting IRAs and Retirement Plans
• Eight Great Investing Quotes
• Can You Put the Brakes on Rising Auto Insurance Premiums?
• Market Month: July 2024
• Sudden Wealth
• What are required minimum distributions and how are they calculated?
• Five Questions About Long-Term Care
• Quarterly Market Review January-March 2024
• Federal Income Tax Returns Due for Most Individuals
• How much money should I keep in a savings account for emergencies?
• Retirement Planning Key Numbers
• There's Still Time to Fund an IRA for 2023
• Tax Season News and Survival Tips
• Market Month - February 2024
• All About Credit Scores
• Do You Have These Key Estate Planning Documents?
• The Roth 401(k)
• Market Month - October 2023
• Is dental care covered under Medigap insurance?
• 2023 Year-End Tax Tips
• What is Medigap
• Quarterly Market Review: July-September 2023
• Department of Education Launches New SAVE Income-Driven Repayment Plan
• Can an insurance company require me to have a medical exam before granting me life insurance?
• Watch Out for Student Loan Repayment Scams
• What is Whole Life Insurance?
• Why Did Retirement Confidence Falter in 2023?
• Market Month: August 2023
• What's Happening in the World of Higher Education
• What are dividends?
• U.S. Supreme Court Blocks Student Loan Cancellation, Payments to Resume
• Market Month - July 2023
• Will Medicare alone be enough to cover my health-care needs in retirement?
• What will happen if I die without a will?
• Quarterly Market Review: April-June 2023
• Is This Bull Timid or Ready to Charge?
• SECURE 2.0 Offers New Options for 529 Plans and Student Loan Payments
• Risk Management and Your Retirement Savings Plan
• Market Month - May 2023
• How do I get a copy of my credit report?
• Give Your Money a Midyear Checkup
• Quarterly Market Review: January - March 2023
• There's Still Time to Fund an IRA for 2022
• Federal Income Tax Returns Due for Most Individuals
• Five Ways SECURE 2.0 Changes the Required Minimum Distribution Rules
• Market Month: February 2023
• REAL ID Deadline Extended Again
• Why I Don't Want to Buy Life Insurance
• Federal Tax Filing Season Has Started
• IRS Releases Standard Mileage Rates for 2023
• Retirement Investors Get Another Boost from Washington
• Market Month: January 2023
• Annual Market Review 2022
• How much annual income can your retirement portfolio provide?
• My parents can't manage alone anymore. What should I do?
• Student Loan Repayment Delayed Again to Future Date in 2023
• College Cost Data for 2022-2023 School Year
• If I delay receiving Social Security benefits, should I still sign up for Medicare at age 65?
• Five Questions about Long-Term Care
• Market Month: November 2022
• Will Crypto Make an Appearance in Your 401(k) Plan?
• Medicare Open Enrollment Is Here: How Are Costs Changing for 2023?
• 2022 Year-End Tax Tips
• Market Month: October 2022
• FAFSA for 2023-2024 School Year Opens on October 1
• Prepare Now for Future Emergencies
• What is an advance directive for health care, and will it help me avoid court involvement during incapacity?
• Quarterly Market Review: July-September 2022
• New Cancellation for Federal Student Loans and Delayed Repayment to 2023
• Inflation Reduction Act: What You Should Know
• Should I use my 401(k) to fund my child's college education?
• Market Month: August 2022
• IRS Increases Standard Mileage Rates
• Long-term Disability Insurance Premiums
• Market Month - July 2022
• The Health of Social Security
• Can I Disinherit Relatives I Don't Like?
• Have You Checked Your Retirement Plan Lately?
• Interest Rates on Federal Student Loans to Increase for 2022-2023
• Quarterly Market Review: April-June 2022
• Market Month: May 2022
• Retirement Confidence Remains Steady
• Rising Rates Join Long List of Housing Dilemmas
• Should I contribute to my 401(k) plan at work?
• Market Month: April 2022
• Why Women Need Life Insurance
• How can I get credit if I have no credit history?
• Federal Student Loan Repayment Postponed for Sixth Time
• Federal Income Tax Returns Due for Most Individuals
• Watch Out for These Common Tax Scams
• Will Social Security retire before you do?
• Quarterly Market Review: January-March 2022
• I'm confused: is an annuity an investment vehicle or an insurance policy?
• Are my Social Security benefits subject to income tax?
• Federal Tax Filing Season Has Started
• Market Month: January 2022
• Choosing an Income Tax Filing Status
• Colliding Forces: Russia, Oil, Inflation, and Market Volatility
• Market Month: February 2022
• There's Still Time to Contribute to an IRA for 2021

• How long should I hang on to an investment?
• Retirement Plan Limits 2022
• What will you pay for Medicare in 2022?
• New College Cost Data for 2021-2022 Academic Year
• RMD Roundup: A Few Key Updates About Required Minimum Distributions
• Supply-Chain Chaos: Holiday Edition
• Market Month: November 2021
• Employer Open Enrollment
• Market Month: October 2021
• Should I use my 401(k) to fund my child's college education
• Social Security Uncertain Future - What You Should Know
• Mid-Year Is a Good Time for a Financial Checkup
• Student Loan Payment Pause Extended Through January 2022
• What will happen if I die without a will?
• Market Month: August 2021
• Market Month - July 2021
• Hostage Date: Ransomware and Protecting Your Digital Information
• Renters Insurance
• Why Women Need Life Insurance
• Evaluating a Job Offer
• How Are Workers Preparing for Retirement?
• Federal Student Loan Interest Rates Set to Increase for 2021-2022
• Quarterly Market Review: April-June 2021
• Market Month: May 2021
• Risk Management and Your Retirement Savings Plan
• Retirement Confidence Remains Strong, Despite Pandemic
• American Families Plan Would Provide Benefits for Some, More Taxes for Others
• Quarterly Market Review: January - March 2021
• Due Date for Federal Income Tax Returns and Payments Postponed to May 17th 2021
• My spouse and I are getting divorced. Whose health insurance policy will cover the childre?
• U.S. Credit Card Debt Levels See Record Drop in 2020
• Get a Fresh Start on Your Finances in 2021
• Pandemic Relief Measures and Your Tax Return
• What is a rollover IRA, and do I need one?
• Market Month: February 2021
• Education Tax Credits and Deductions
• Social Security Retirement Benefits Basics
• What does the term "Qualified Plan" mean?
• Market Month: January 2021
• Taxation of Investments
• My spouse and I are filing seperate returns. Can we both itemize our deductions?
• How COVID-19 has changed consumer behavior and the future of retail.

• What will you pay for Medicare in 2021?
• What if I change my mind about when to begin Social Security?
• New college cost data for 2020-2021 school year.
• Market Month: November 2020
• Getting Help from a Financial Professional
• Market Month - October 2020
• Myths and Facts about Social Security
• What are the tax implications of child support payments?
• Quarterly Market Review - July-September 2020
• Student Loan Relief Extended Through End of Year
• Will my pension affect my Social Security benefits?
• Financial Basics For Millennials
• A Retirement Income Roadmap for Women
• How do I talk to my elderly parents about their finances?
• College Disrupted: Students Face High Costs and Pandemic Impact
• Market Month: August 2020
• I'm getting laid off. How am I going to survive financially until I find another job?
• IRS Clarifies COVID-19 Relief Measures for Retirement Savers
• The Shape of Economic Recovery
• Market Month: July 2020
• Quarterly Market Review: April - June 2020
• What's private mortgage insurance (PMI), and can my mortgage lender require me to have it?
• Interest Rates on Federal Student Loans Decrease to Record Lows for 2020-2021
• July 15 Due Date Approaches for Federal Tax Returns and Payments
• Market Month: May 2020
• Will Social Security Be Around For Me?
• Coronavirus Affects Federal, State, and Local Deadlines
• 2019 IRA Contribution Deadline Has Been Extended
• Do's and Don'ts of Investing During a Crisis

• I'm getting laid off. How am I ging to survive financially until I find another job?
• CARES Act: Retirement Plan Relief Provisions
• Watch Out for Coronavirus Scams
• Quarterly Market Review: January-March 2020
• Coping with Market Volatility: Avoid Rash Decisions
• Due Date for Federal Income Tax Returns and Payments Postponed to July 15
• CARES Act Provides Relief to Individuals and Businesses
• Handling Market Volitility
• How do I deduct and substantiate my gambling losses?
• The Coronavirus and the Global Economy
• Market Week: March 2, 2020
• Are my Social Security benefits subject to income tax?
• Choosing an Income Tax Filing Status
• Market Month: January 2020
• TRACED Act Offers Consumers Additional Protections Against Robocalls
• Annual Market Review 2019
• New Spending Package Includes Sweeping Retirement Plan Changes (SECURE Act)
• Life Insurance at Various Life Stages
• What is Long-Term Care Insurance?
• Finding Money to Pay College Bills Out of Pocket
• IRA and Retirement Plan Limits for 2020
• Market Month: November 2019
• What Will You Pay for Medicare in 2020?
• Education Tax Credits and Deductions
• Market Month: October 2019
• November 1 Begins Open Enrollment for Health Insurance Marketplaces
• What are required minimum distributions and how are they calculated?
• Why You Need Life Insurance
• Market Month: August 2019
• Data Breaches: Tips for Protecting Your Identity and Your Money
• Are my Social Security benefits subject to income tax?
• Four Things Women Need to Know About Social Security
• What is a Living Trust?
• Market Month: July 2019
• First Time Home-Buyer
• What is a Roth IRA?
• Federal Student Loan Interest Rates Decrease for 2019-2020
• Financial Basics for Millennials
• Quarterly Market Review: April-June 2019
• Making Sense of Your Taxes and Withholding
• Market Month: May 2019
• Nuts & Bolts: How to Roll Over Your Employer Retirement Plan Assets
• Retirement Confidence Increases for Workers and Retirees
• The Future of Social Security and Medicare: Here's What Trustees Are Projecting
• Market Month: April 2019
• IRS Issues Annual List of Tax Scams
• What is an Annuity?
• Changing Jobs? Know Your 401(k) Options
• Federal income tax returns due for most individuals
• Quarterly Market Review: January - March 2019
• Social Security: What should you do at age 62?
• How much annual income can your retirement portfolio provide?
• What is the difference between a living will and a living trust?
• Market Review: February 2019
• There's still time to contribute to an IRA for 2018
• When I die, what will happen to my retirement plan beneftis?
• What will you pay for Medicare in 2019?
• After rocky year-end, risks follow investors into new year

• Will my pension affect my Social Security benefit?
• What is vesting?
• Rolling Over Funds from an Employer Retirement Savings Plan: What You Need to Know
• Maintaining Your Financial Records
• Five Keys to Investing For Retirement
• Saving for Retirement
• Saving for College
• Test Your Knowledge of Financial Basics

All Securities Offer Through Money Concepts Capital Corp. | Member FINRA / SIPC

Money Concepts Advisory Service is a Registered Investment Advisor with the SEC
All Non Securities and Non Advisory Products through Money Concepts International, Inc.
11440 North Jog Road, Palm Beach Gardens, Florida 33418 | www.moneyconcepts.com | 561-472-2000
Products offered; 1. Are not federally-insured; 2. Are not obligations of the credit union; 3. Are not guaranteed by the credit union; 4. Involve investment risk, including loss of principal.