Invest in experience.

As a financial planner for over 20 years,

Ray Tropp provides people with much

more than insightful strategies to plan

for their future. He provides a pathway

to help achieve your goals.

A financial advisor you can count on.

Investments, College Savings Plans, Retirement Plans,

Long-term Healthcare.

EXPLORE OUR SERVICES

Ray Tropp will treat your money like it is his parent's money.

He’ll meet with you, get to know you and find out what is important to you. His holistic approach gives you all the information you need- not just what he thinks you want to hear. And as your life changes, he’ll adjust with you to keep you on track. There’s no hard sell. Just a genuine desire to help you achieve your financial goals. He is available to his clients, meeting with them as often as needed and will make every effort to return calls within 24 hours. The more you know about Ray, the more you’ll know why people have been working with him for over 20 years. When it comes to your future, invest in experience.

EXPLORE A STRATEGY

What we do.

Life is easier with a plan. Every decision is specifically designed to help meet your individual goals and needs.

Choosing investments

Choosing the right investments can be overwhelming without an advisor. You need someone that understands your personal goals, needs and circumstances. Ray will take the time to learn and discuss what is most important to you as well as different alternatives in order to help achieve those goals. He’ll let you know how your investments will affect your tax returns so that you can make informed decisions, he’ll work with you to adjust your plans to meet new or unexpected goals, and he will advise you based on your overall investment objectives. Ray is a fiduciary which means his recommendations are acting in your best interests. With Ray, it’s more than just knowing about investments- it’s about knowing you.

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Planning for retirement

Your life is unique. So should be your plan for retirement. With Ray, you won’t be put into an investment module based on a generic profile. Your plan will be crafted for you based on your goals and needs. A comprehensive risk profile will be conducted and, because risks often change over time, they will be monitored and adjusted if need be. Working together with you, your plan will be the result of investigating multiple alternatives pursuing a suitable path towards your goals and a clear understanding of how your investments can effect your retirement. Everyone dreams about retirement. Ray can help make that dream a reality.

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Planning for education

As the cost of college tuition skyrockets, strategic financial planning is becoming more important than ever. Ray Tropp will help create a plan that will meet you wherever you are in the process. Using a variety of college investment options, you can be confident knowing that you have a plan to help fund your child's college. He will advise you on tax advantage versus non-tax advantage saving, how and when it is a good idea to borrow money for college and he’ll even help you understand the FAFSA federal form to apply for grants, scholarships and financial aid.

As a father of three with two kids in college, Ray’s personal experience and professional knowledge can help guide you through the entire process. So you can help fund your children’s future without sacrificing your own.

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Long term Healthcare

Life can sometimes throw you curve balls. Some you can plan for, some you cannot. Ray believes your best option is to be prepared. You insure your home, your car and medical expenses, why not insure against the high risk of long term healthcare or a personal loss which can have a devastating effect on the family. Even if there is no family history, you could be affected by an unexpected illness or accident. Ray knows firsthand what it takes to care for a parent with a long term illness as his mother was recently diagnosed with Alzheimer’s Disease. He can help you prepare for the unexpected with knowledge, compassion and empathy. Life happens, and it’s Ray Tropp’s job to make sure you are prepared when  it does.

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How it works.

It's all about the experience.

Ray customizes every plan for every client. Through a personal interview, he’ll learn about your goals, your objectives and what obstacles may concern you. As an independent planner, Ray works on a fee basis, so there is never any pressure to invest more than you are comfortable with. He has the ability to recommend the investments suited to meet your needs, not some matrix or quota. Ray states emphatically, “I’ll treat your money like it is my parents’ money.”

QUICK AND EASY FORM

Tell use a bit about you and your needs. Fill out the

Getting to know you form.

IN-PERSON MEETING

We'll discuss at your convenience and provide you with the service details, time and costs involved.

CONFIRM

Confirm your appointment and our trained and certified professionals look forward to meeting you.

Strategy 1: Caring for an Ill Parent

Long Term Care Planning can involve many issues. First, what is Long-Term Care? Someone with a long physical illness, a disability, or a cognitive impairment such as Alzheimer’s disease often needs long-term care. Many different long-term care services can help people with these conditions. Long-term care is different than medical care, because it generally helps you to live as you are instead of improving or correcting medical problems. Long-term care services may include help with activities of daily living (ADL’s), home health care, respite care, hospice care, or adult day care. Care may be given in a nursing home, an assisted living facility, a hospice facility, a day care facility, or in your own home. Ray will help you and family members with discovering a suitable way to pay for this type of care before a family member may need it. Planning ahead helps remove the worries associated with an illness and puts the family member in an appropriate, comfortable place.
Strategy 2: Diversification

Choosing the right investments can be overwhelming without an advisor. You need someone that understands your personal goals, needs and circumstances. Ray will take the time to learn and discuss what is most important to you as well as different alternatives in order to help achieve those goals. He’ll let you know how your investments will affect your tax returns so that you can make informed decisions, he’ll work with you to adjust your plans to meet new or unexpected goals, and he will advise you based on your overall investment objectives. Ray is a fiduciary which means his recommendations are acting in your best interests. With Ray, it’s more than just knowing about investments - it’s about knowing you.

Diversification does not guarantee a profit or protect against a loss.

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Strategy 3: The Impact of Taxes

One in four Americans say taxes keep them up at night. 78% say tax planning is an important step in protecting their wealth but only 31% have addressed it with an advisor*. With a tax-deferred account, taxes are postponed until money is withdrawn. Deferring taxes within an investment portfolio can allow more of the investment returns to compound over time, potentially resulting in higher long-term returns**.

* Source: Lincoln Financial Group and Hanover Research, "Managing Long-Term Care Risk Survey." October 2014.
** Projections or other information regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Withdrawals would be subject to federal income tax in the year they are withdrawn. A penalty tax may be imposed for early withdrawals.

- CHASE DOE

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Advisory services offered through Beacon Financial Advisory, LLC and Capital Analysts, Registered Investment Advisers. Securities offered through Lincoln Investment, Broker/Dealer, and Member FINRA/SIPC. www.finra.org;www.sipc.org;www.lincolninvestment.com. Raymond Tropp Financial Advisory, Beacon Financial Advisory, LLC/Beacon Financial Partners and the above firms are independent and non-affiliated. Tax, legal and Social Security claiming services are not offered through, or supervised by, The Lincoln Investment Companies. This site has been prepared solely for information purposes is not intended to be a solicitation, offer or sale of securities products or investment advisory services to anyone who resides outside of the United States. Lincoln Investment and Capital Analysts are registered as investment advisers with the U.S. Securities and Exchange Commission and Lincoln Investment is registered as a broker/dealer in all 50 states. Lincoln Investment, Capital Analysts and its Financial Representatives may only transact business in a particular state if first registered and only after complying with registration requirements. When you link to any of these websites provided here, you are leaving this site. We make no representation as to the completeness or accuracy of information provided at these sites. Nor are we liable for any direct or indirect technical or system issues or consequences arising out of your access to or use of these third-party sites. When you access one of these sites, you are leaving our website and assume total responsibility for your use of the sites you are visiting.

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