150A Andover Street
As your personal LPL Financial Advisors, Richard and the Ipswich Bay Advisors team will:
Take the time to learn about you, your family, or your company, get to know your objectives, your dreams and your financial circumstances.
Report back to you with a comprehensive financial plan, which summarizes your goals, objectives and needs and provides a clear set of recommendations to help address them. With this plan we will establish the means to track your performance.
Provide full disclosure regarding fees and advise you how to help lower expenses to improve net returns. We will provide you the necessary information and options so you can make an informed decision as to the most efficient methods for investing or providing company benefits.
Provide an independent analysis to identify risk, performance and style appropriateness using recognized investment analysis software and third- party references.
Only advise you on those matters for which we have experience and refer you to a professional for those matters which we do not. Whenever possible, we will obtain advice from our team of professional associates at no cost to you.
Continue to maintain our education in accordance with the highest standards so we may advise you on investing, retirement planning, taxation, insurance and wealth transfers.
Charge either a fee or a commission never both and it will always be your choice.
Never disclose your personal or confidential information to anyone unless you request we do so.
Always advise you to do only that which is in your best interest based on our education, training and experience and to communicate with you openly and honestly.
Conduct the above noted services in keeping with the highest ethical standards and in full compliance with the guidelines and regulations set forth by FINRA and the SEC.
Sincerely,Richard C. Cella, IIIManaging Partner, Ipswich Bay Advisors