WELCOME to a unique partnership for your 403(b) plan needs!!
 
L&M Financial Services has partnered with FTJ FundChoice, LLC to provide a comprehensive consolidated 403(b) platform with access to over 1,500 no-load and load waived mutual funds. You will experience the ease of designing and managing a diversified investment plan while benefiting from experienced investment advisors! 
 
FTJ FundChoice is an approved 403(b) service provider with your district and has entered into an information sharing agreement with the OMNI Group. L&M Financial Services financial representatives work with you to offer investment advice, retirement planning services and help you with all your servicing needs. 
 
Some of the advantages of this unique platform are:
 
  • No front-end charges, no transaction costs and no deferred sales charges.
  • No account minimums
  • Options ranging from low cost, self directed plans up to managed portfolios.
  • Access to multiple fund families in one account
  • Unlimited asset allocation adjustments and transfers within your portfolio
  • Ability to access and manage all accounts online at www.ftjfundchoice.com
 
To get started today and have a L&M Financial Services representative contact you, please click on the link below to be taken to a secure site to enter your contact information:
 
 
 
 
About FTJ Fundchoice:
FTJ FundChoice, LLC (FTJFC) is a fee-for-service program that offers a limited number of mutual fund investment options covering a variety of asset classes. A list of available mutual funds are available at www.ftjfundchoice.com. All funds must trade electronically with the National Securities Clearing Corporation (NSCC), to be eligible for inclusion to the platform. In addition, all funds are offered to the participant without an up-front or back-end sales charge, however the participant is subject to all internal expenses as well as any short-term redemption fees imposed by each individual mutual fund that they own.  FTJFC charges an annual asset based fee for recordkeeping and administration. The fee is a percentage of assets plus an annual maintenance charge.  The annual asset fee is based on the average daily account balance for the period for which fees are collected, and it is automatically deducted from the participant’s account. Please note, fund withdrawals may be subject to a federal 10% early withdrawal penalty tax if the participant is under age59 1/2.
 
2300 Litton Lane / Suite 102 / Hebron / KY 41048
phone (800) 379 2513
fax (859) 426 2050
[www.ftjfundchoice.com]
 
About L&M Financial Services:
For thousands of people across New York State, L&M Financial Services has been providing benefit programs and financial services since 1972. L&M represents a diverse group of clients, including: Law Enforcement Officials, Credit Union Members, Educational Employees, Athletic Administrators, Government Employees, Postal Employees and many individual clients.
 
3820 Sheridan Drive / Amherst / NY 14226
phone (800) 326 8410
 
1521 Monroe Avenue / Rochester / NY 14618
phone (585) 244 9630
[www.lmfs.net]
 
 
Mutual funds are sold by prospectus only. Investors should consider objectives, risks, charges and expenses of the fund carefully before investing. The fund prospectus contains this and other important information. Investors should read the prospectus carefully before investing. For a copy of the prospectus contact your financial advisor. 
 
 
Diversification seeks to reduce the volatility of a portfolio by investing in a variety of asset classes. Neither asset allocation nor diversification guarantee against market loss or greater or more consistent returns. It is possible to lose money when investing in securities. Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or other entity. 
Securities offered through Securities America Inc., Member FINRA/SIPC and advisory services offered through Securities America Advisors, Inc.  L&M Financial Services and the Securities America Companies are unaffiliated.