Financial Planning Services

At Bannon, Ohanesian & Lecours, Inc., we can help you clarify and implement your personal financial goals. Recognizing that every case is unique, we customize the plan to your specific situation. We coordinate your financial affairs and address the range of financial and estate planning issues that you and your beneficiaries are likely to face. 

We can provide you with a free Personal Financial Analysis - Comprehensive financial planning allows you to understand how each financial decision you make affects other areas of your finances.  By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals so that you can adapt more easily to life changes and feel more secure that your goals are on track

> if you want to get a professional opinion about the financial plan you developed for yourself.   
> if you don’t feel you have the time to spare to do your own financial planning.
> if you have an immediate need or unexpected life event such as a birth, inheritance or major illness.
> if you feel that a professional advisor could help you improve on how you are currently managing your finances.
> if you know that you need to improve your current financial situation but don’t know where to start. 

Advisory Services - Goal of the Investment Advisor  -  our goal is to help you grow and preserve your assets. While portfolio performance depends on many factors, our strategy seeks to minimize volatility while pursuing long-term growth. We do this by ensuring proper diversification of your portfolio.  At Bannon, Ohanesian & Lecours, Inc., we manage assets based on the investment objectives of the client.   These goals and considerations include: 
> Risk Tolerance 
> Time Horizons 
> Liquidity Needs 
> Tax Consequences, and
> Rate of Return Expectations

Funding a Child's Education - College costs are rising. Are you prepared to fund your child's education? We can help you clarify education goals and identify your potential costs. Once you know what your needs are, we can provide you with a variety of education funding options, including 529 College Savings Plans, UGMA/UTMA accounts, trusts and more.

Planning for a Comfortable Retirement- -Getting prepared for your retirement is easily the single largest financial goal you’ll save towards in your lifetime.  As you probably already know, saving for retirement takes you down one of two paths…saving on your own, or participating in a pension or savings plan through your job.  The hurdles to a secure retirement are well known: inflation, taxes and increased life expectancies, to name a few. But your Financial Advisor can help you create a plan and identify investments aimed at reaching your goals-investments like Traditional IRAs, Roth IRAs and retirement plans for business owners. You can also get help on taking appropriate payout amounts from your retirement accounts while reducing taxes and penalties.

Preserving and Transferring Your Wealth through Estate Planning Services - Careful estate planning could help ensure that the wealth you worked so hard to accumulate will be preserved and distributed to your heirs according to your wishes. We can provide you with a custom analysis that illustrates a broad range of estate planning vehicles and high-net-worth financial planning strategies We will provide you with advice on estate taxes or other estate planning issues and put together a strategy to manage your assets at the time of your death. 

Insurance Services for Preserving Your Wealth  - We can help preserve the assets that you have spent years accumulating. We offer life and long term care insurance and can also provide a comprehensive analysis and review of your needs.

Full-Service Brokerage - Securities offered through Pershing, LLC - A Bank of Securities offered through Pershing, LLC - A Bank of New York Securities Group Company.   The Bank of New York Company, Inc., one of the largest financial holding companies in the United States, provides a complete range of  financial services to corporations and individuals worldwide.

Our capabilities include trading in:
> Domestic & International Equities
> Over the counter Equities (NASDAQ), Preferred Stocks
> Money Market Instruments, Certificates of Deposit
> Open & Closed End Mutual Funds
> Fixed  & Variable Annuities
> Bonds: Government, Municipal, Corporate and High Yield Bonds
> Listed Options, Rule 144 Sales
> Mortgage and Asset-Backed Securities,
> Unit Investment Trusts & Private Placements

Important Financial Planning Information - The information contained herein is general in nature and should not be considered legal or tax advice. This information is provided for general educational purposes only and you should bear in mind that laws of a particular state and your particular situation may affect the information contained herein. You should consult with your attorney or tax advisor regarding your specific legal or tax situation.

** This protection applies on a per-customer basis as determined by SIPC. A customer who has several accounts with our firm in a single capacity would generally be considered a single customer for the purposes of applying these limits. A customer who maintains separate accounts in separate capacities could be deemed a different customer in each capacity. While neither SIPC nor excess SIPC covers losses in the market value of securities due to market fluctuations, you can be confident that Vanguard Capital and Pershing, LLC are focused on giving you peace of mind about the safety of your investments.   Vanguard Capital is not affiliated with the Vanguard Group of mutual funds.