My name is Patti Lerch. I specialize in helping Americans financially prepare for retirement with the proper use of annuities. I help clients all over the country find ways to generate more retirement income and see how to securely protect their money during these turbulent times.
Despite the current volatility in the market and the elevated interest rate environment, there are still strategies that you can put in place right now to ensure that you do not run out of income and keep your money securely protected from future market downturns.
While most financial advisors are more than happy to provide you with investment tips and growth opportunities for your portfolio, few financial professionals know how to actually convert your savings into a long-term sustainable income (and protect your money) so that you can spend with confidence when you retire.
I hold a bachelor’s degree from the University of Mary Washington and am a Chartered Federal Employee Benefits ConsultantSM (ChFEBCSM), HR Certified, Certified Financial Fiduciary® (CFF®), Certified in Long Term Care (CLTC), Certified Estate Planner, Master Certified Estate Planner, and a member of the National Ethics Association.
As a Certified Financial Fiduciary (CFF®) and a charter member of the National Association of Certified Financial Fiduciaries, I adhere to the CFF Code of Conduct and the strict guidelines of the NACFF. I am required to give advice that is in my clients’ best interest, not my own, practicing the Duties of Loyalty, Good Faith, and Good Care for my clients, educating them first, using a Holistic Approach, with full disclosure, comparisons of suggested products, full confidentiality and adhering to strict professional practice management.
As an IRA Specialist, I receive intense, advanced ongoing education in IRA Distribution to ensure that my knowledge is up-to-date with current laws. I participate in email alerts and teleconferences on the latest changes to IRA tax laws to provide my clients with the most relevant and accurate information.
I am uniquely qualified to advise clients on Medicare, Medicaid, Long Term Care coverage, and other alternative planning strategies for incapacitation. I focus on “hybrid solutions” to provide comprehensive coverage and protection for my clients. I assist individuals in preparing for retirement by providing them with straightforward answers to their questions and empowering them to make wise decisions based on their unique situations.
When not serving clients, I like to invest my time serving my family and faith. I sing in and have directed the choir at my church for years, stream the services weekly and serve in a number of other capacities.
While I am currently living in Virginia, through our advanced technology systems, it is possible for me to meet “face-to-face” virtually online with my clients, as well as, share computer screens so that we are all on the same page. I can show you first-hand how various income strategies may work for you and your specific goals.
Sincerely,
Patti Lerch, CEP®, CFF®, MCEP®, ChFEBC℠, CLTC®
