Lyndale Financial takes a long-term approach to managing investment accounts. We primarily utilize low-cost index ETFs to reduce internal fund expenses, maximize diversification, and align the portfolio with your personal goals. We do not believe in attempting to time the market or in taking risks outside our client's needs.

Lyndale Financial - Portfolio Allocation.png

Here's What To Expect

You do not want to rely on someone's ability to pick stocks or time the market over the course of your investing lifetime. Real financial planners know that this is not the key to financial success.

We use your financial plan to guide the design of your investment portfolios, which includes how much risk you take, what types of accounts are used, and which assets are held inside each account.

Current market events, the latest price of gold, and the newest hot stock do not sway our investment decisions. We use research-backed evidence to build a broadly diversified portfolio for you.

Since we do not sell any annuities, charge commissions, or receive financial incentives from financial institutions, you can feel confident that your investment portfolio is well-suited for your needs.

Client accounts are held at our chosen custodian, TD Ameritrade. This means that your statements come directly from them and you have direct access to your accounts at all times. We handle all of the necessary paperwork, account administration, and portfolio management. 

For client accounts that are held at other institutions or in your employer-sponsored retirement plan, we simply provide you with the trading instructions to implement our recommendations. If needed, we can screen-share in order to assist you with this process.

In order to keep your investment portfolio in line with your goals over time, we rebalance the holdings on an as-needed basis.


How We Measure Progress

Instead of measuring your investment performance against an arbitrary index, we measure your progress relative to your financial goals. What good does it do if you outperform the S&P 500 this year, but don't meet the goal you set out to achieve?

You have online access to your financial plan at all times, which includes up-to-date information on your investment accounts. However, we do not recommend watching your investments every day. We encourage you to take a long-term view of your investments to avoid any negative behavioral mistakes that can be made when checking the investment markets too often.

Each year we update your financial plan and see where you are on the path to achieving your goals. If any adjustments need to be made, we recommend them at that time.

Lyndale Financial - Retirement Goal.png