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The Ivybridge Process, What to Expect from Us, and Tenets of Service

In today's complex financial landscape, finding the right financial advisor can be a game-changer. Someone who understands your aspirations, values your goals, and tailors their approach to suit your unique needs can make all the difference in your financial journey. As a pioneer in financial awareness, I believe that your financial advisor should not only guide you through the intricacies of money management but should also revolutionize your approach to wealth building. Here are four key factors to consider when choosing a financial advisor who aligns with my philosophy of putting you first.1. Getting Recommendations from a Trusted ResourceOne of the first steps in finding a financial advisor is seeking recommendations from sources you trust. Personal referrals from friends, family, or colleagues who have had positive experiences can provide valuable insights. Beyond that, consider seeking advice from professionals within your network, such as accountants or attorneys, who often have valuable perspectives on reputable financial advisors. My approach is centered around building trust and rapport, and this begins with connecting you to the right resources. 2. Ask the Financial Advisors You Interview About Their Strategies and ApproachesWhen you start interviewing potential financial advisors, it's crucial to inquire about their strategies and approaches. A good financial advisor should be able to explain their investment philosophy, risk management strategies, and how they tailor their recommendations to clients' unique situations. I believe that education is empowerment, and I strive to ensure that you understand the rationale behind every financial decision we make together. Transparency and clear communication are at the heart of my approach.3. Choose a Financial Advisor with Good Listening SkillsFinancial advising isn't just about numbers; it's about understanding your dreams, aspirations, and concerns. An advisor who actively listens and takes the time to comprehend your life goals will be better equipped to provide personalized guidance. My revolutionary approach is all about putting you at the forefront. By actively listening to your needs, I can create a customized financial plan that aligns with your dreams and evolves as your circumstances change. 4. Choose a Financial Advisor Whose Philosophies Align with YoursYour financial advisor should be more than just a number cruncher; they should be a partner who shares your values and aspirations. It's crucial to find an advisor whose philosophical outlook resonates with yours. Whether it's a commitment to sustainable investing or a focus on long-term wealth preservation, your advisor's beliefs should be in harmony with your own. My approach is rooted in helping you achieve financial success while staying true to your individual principles. Revolutionizing Financial Awareness: Connecting with Colin BurkeMy approach to financial awareness is centered on you. I understand that no two individuals are the same, and that's why I'm committed to tailoring my strategies to suit your unique situation. By combining a personalized touch with a revolutionary perspective, I'm here to guide you through every financial decision, big or small. Ready to embark on a journey toward financial empowerment?Let's connect and discuss your goals, dreams, and aspirations. I invite you to reach out to set up a time to talk about your unique situation. Together, we can revolutionize your approach to wealth-building and bring your financial aspirations to life.In a world filled with financial complexities, choosing the right advisor can be a transformative decision. With my dedication to your financial well-being and my innovative approach, you can be confident that your financial journey is in capable hands. Don't hesitate—reach out today and let's embark on this revolutionary journey together.This is being provided solely for informational and illustrative purposes, is not an offer to sell or a solicitation of an offer to buy any securities. The factual information given herein is taken from sources that we believe to be reliable, but is not guaranteed as to accuracy or completeness. Opinions expressed are subject to change without notice and do not take into account the particular investment objectives, financial situation or needs of individual investors. Employees of Janney Montgomery Scott LLC or its affiliates may, at times, release written or oral commentary, technical analysis or trading strategies that differ from the opinions expressed here. The concepts illustrated here have legal, accounting and tax implications. Neither Janney Montgomery Scott LLC nor its Financial Advisors give tax, legal, or accounting advice. Please consult with the appropriate professional for advice concerning your particular circumstances. For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.

As we approach retirement, we are often bombarded with a myriad of advice and strategies to ensure a secure and fulfilling future. However, in a world where financial stability is not the only aspect of retirement that matters, I introduce you to a revolutionary approach to retirement planning—one that focuses on the individual and their unique aspirations. By intertwining the four pillars of Health, Family, Purpose, and Finances, I aim to create a retirement plan that not only secures your future financially but also enriches your life in every possible way.#1 Health:Physical Well-being: My revolutionary approach starts with prioritizing your physical health. After all, what good is a financially stable retirement if you are not in good health to enjoy it? Colin encourages you to adopt a proactive approach to health by incorporating regular exercise, a balanced diet, and annual health check-ups into your retirement plan.Mental Wellness: Alongside physical health, mental wellness is equally crucial for a fulfilling retirement. Colin emphasizes the importance of engaging in activities that stimulate your mind, such as learning a new skill, pursuing a hobby, or even starting a small business. This not only keeps your mind sharp but also adds a sense of purpose to your retirement years.#2 Family:Strengthening Bonds: I recognize that family plays a pivotal role in our lives, and retirement offers an excellent opportunity to strengthen those bonds. I encourage open communication with family members about your retirement plans and aspirations. Whether it's planning family gatherings, vacations, or simply spending quality time together, my approach involves ensuring that family remains an integral part of your retirement journey.Legacy Planning: Beyond financial matters, emphasizes the importance of leaving a lasting legacy for your loved ones. This involves not just passing on financial assets but also sharing your wisdom, values, and life experiences with the next generations. This unique approach helps you create a roadmap for preserving your family's legacy and passing on a meaningful inheritance.#3 Purpose:Pursuing Passions: Retirement is not about sitting back and doing nothing; it's about discovering new passions and pursuing them. I advocate identifying your true purpose in life and aligning your retirement plans accordingly. This might involve volunteer work, mentoring others, or engaging in philanthropic activities. This ensures that your retirement years are filled with meaning and fulfillment.Goal Setting: To give your retirement a sense of direction, I encourage you to set clear and achievable goals. These goals can be personal, professional, or even adventurous. Whether it's traveling to dream destinations, starting a new venture, or writing a book, let this approach empower you to shape your retirement based on your unique aspirations and ambitions.#4 Finances:Customized Financial Planning: Unlike traditional financial advisors, Colin's approach doesn't follow a one-size-fits-all strategy. I understand that each individual's financial situation and goals are unique. By taking the time to understand your financial landscape thoroughly, allows our team to create a personalized financial plan tailored to your specific needs and aspirations.Long-Term Financial Security: While pursuing passions and enjoying retirement is essential, Colin believes in securing your financial future for the long term. This approach involves smart investment strategies, tax planning, and risk management, ensuring that you have a stable financial foundation that supports your dreams and aspirations throughout your retirement. Are you ready to embark on a retirement journey that not only secures your financial future but also enriches your life in every way? Take the first step towards a fulfilling retirement by scheduling a time to discuss your unique situation with Colin. Reach out to him today to explore the endless possibilities that await you in the next phase of life and start your journey toward a new and exciting retirement.For more information about Janney, please see Janney’s Relationship Summary (Form CRS) at www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.

Long-term care is an issue that many of us prefer not to think about, but it’s one that deserves our attention. For individuals in their 40s and 50s—especially those balancing the needs of aging parents and growing children—the financial strain and emotional toll of long-term care can be overwhelming. As a Financial Advisor, you may already know that navigating this complex challenge requires careful planning and, most importantly, collaboration.The reality is that long-term care is not something we can predict, but we can plan for. Costs related to long-term care are rising steadily, and many people find themselves underprepared for the financial demands of providing care to loved ones, while also securing their own future. The financial implications are immense, and without the right preparation, it can be easy to feel uncertain or even overwhelmed. That’s where collaboration comes in—working with your clients to build tailored solutions that provide security and peace of mind.Understanding the Financial Burden of Long-Term CareLong-term care isn’t a single expense but a spectrum of services that can range from assistance with daily activities, such as bathing or dressing, to skilled nursing care for chronic illnesses or disabilities. With increasing life expectancy, many individuals find themselves needing care as they age, which can last for months, years, or even decades.As families are living longer, more people are also responsible for providing support for aging parents or relatives, while also planning for their own retirement needs. For those caught in this dual caregiving role, the burden can feel like a heavy weight on their shoulders, especially when it comes to the financial aspect. In many cases, the cost of care can drain savings and derail retirement plans.In fact, most people don’t realize how much long-term care will cost them. Whether it's in-home care, assisted living, or nursing homes, the fees can be substantial and continue to rise with inflation. Medicare typically covers only a limited amount of care, and many find themselves needing to turn to private insurance, Medicaid, or other funding sources.The Power of CollaborationFor those in the Sandwich Generation—balancing caregiving responsibilities for both children and parents—these financial challenges can become even more pronounced. As a Financial Advisor, you are in a unique position to provide guidance, not only by discussing investment strategies or savings plans but by offering holistic solutions to address the future costs of long-term care.Collaborating with clients to create a comprehensive long-term care plan means working through several key considerations, including:1. Understanding the Specific Needs of Your ClientsEvery family is different, and so are their needs. It’s essential to listen carefully to your clients to understand their situation fully. What type of care are they concerned about for their aging parents? Are they anticipating needing care themselves in the future? What resources do they have in place? By getting the full picture, you can help them plan more effectively.2. Discussing Long-Term Care Insurance OptionsLong-term care insurance is one of the most popular ways to help cover the costs of care. However, choosing the right policy can be complex. Many clients may not be familiar with how long-term care insurance works or what options are available to them. It’s essential to guide them through the different types of policies, such as traditional long-term care insurance, hybrid policies (which combine life insurance with long-term care benefits), and annuities with long-term care riders.When you collaborate with clients on their options, you can help them identify a solution that aligns with their financial goals while giving them peace of mind about the future. For many, the upfront cost of long-term care insurance might seem daunting, but when explained properly, it can often be a worthwhile investment.3. Medicaid and Other Government ProgramsWhile Medicare does not cover long-term care, Medicaid can play a crucial role for individuals who qualify. Medicaid, a government program for low-income individuals, can help pay for care when it’s needed most. However, qualifying for Medicaid requires specific criteria and, at times, careful financial planning to ensure that assets are protected.Collaborating with your clients to ensure they are properly planning for Medicaid eligibility is an essential part of your role. This involves helping them understand how to structure their finances so that they can qualify for assistance without sacrificing the assets they’ve worked so hard to build. In some cases, this may include guiding them through asset protection strategies, such as gifting, trust planning, or creating an income-producing strategy for retirement.4. Family Discussions and Support NetworksFamily members often play an integral role in long-term care planning, and their involvement can make a significant difference in the success of a plan. Encouraging clients to have open conversations with their family members about caregiving responsibilities, finances, and potential challenges can help alleviate confusion and prevent unnecessary stress in the future.As a Financial Advisor, your guidance on how to approach these conversations—while maintaining empathy and sensitivity—can strengthen your client’s relationship with their family, and foster a team-based approach to tackling long-term care needs.5. Creating a Comprehensive PlanThe key to successful long-term care planning is creating a comprehensive plan that addresses both the financial and emotional aspects of care. As part of a collaborative effort, you should ensure that clients have a strategy in place for managing the costs of long-term care, while also giving them the tools to handle the emotional aspects of caregiving and aging.By addressing the entire picture—care needs, insurance options, financial strategies, family discussions, and Medicaid planning—you empower your clients to feel prepared for whatever the future holds.Building Confidence Through CollaborationAs we work together to tackle long-term care costs, we help families avoid financial setbacks and ease the emotional burden of caring for loved ones. For those in the Sandwich Generation, the pressures can be intense, but with a clear, collaborative approach, your clients can feel confident that they’re taking proactive steps toward a secure future.By providing thoughtful, tailored solutions to address long-term care, you ensure that your clients aren’t just preparing for one aspect of their financial future—but for all of it. Collaboration is the key to helping clients successfully navigate this challenge, and with your expertise and their commitment, they can rest easy knowing they’ve built a solid foundation for themselves and their families.As always, we’re here to collaborate with you to provide comprehensive solutions that support your clients’ long-term financial health and well-being. Let’s continue to work together to guide families through this critical phase of their lives.Janney Montgomery Scott LLC, its affiliates, and its employees are not in the business of providing tax, regulatory, accounting, or legal advice. Please consult with the appropriate professional for advice concerning your individual circumstances. For more information about Janney, please see Janney's Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any taxpayer for the purpose of avoiding tax penalties. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. This information was prepared from sources believed to be reliable but is not guaranteed as to accuracy and is not a complete summary or statement of all available data. The views or opinions expressed in this material are solely those of the author and do not necessarily represent those of Janney Montgomery Scott LLC.

A Fresh Start After DivorcePost-divorce life can mean a fresh start for your finances. Let’s build a plan that puts you in control.For many women, divorce represents a turning point—an opportunity to take ownership of their financial future. While the transition can be overwhelming, it’s also a chance to rebuild, redefine, and regain confidence in managing money. Financial independence isn’t just about numbers—it’s about security, empowerment, and peace of mind.This journey doesn’t have to be faced alone. By taking strategic steps, you can create a strong foundation that supports your future goals. Here’s how to embrace financial independence and take control of your next chapter.1. Understanding Your New Financial RealityThe first step in post-divorce financial independence is assessing where you stand. Gather all your financial documents—bank statements, retirement accounts, credit reports, and any divorce settlement agreements. Understanding your income, expenses, assets, and debts gives you a clear picture of your starting point.2. Creating a Budget That Works for YouA budget isn’t about restriction—it’s about freedom. Now that you’re managing finances on your own, creating a realistic budget helps you stay in control. Track your income and expenses, prioritize essential costs, and ensure you’re setting aside money for savings. Online tools and apps can make budgeting more manageable and less stressful.3. Building an Emergency FundLife is unpredictable, and financial security starts with having a safety net. Aim to build an emergency fund that covers three to six months’ worth of expenses. If that feels overwhelming, start small—even a modest cushion can provide peace of mind.4. Rebuilding Your CreditIf your credit score took a hit during the divorce process, now is the time to rebuild. Pay bills on time, keep credit card balances low, and avoid taking on unnecessary debt. A strong credit score opens doors to better financial opportunities, from securing a mortgage to obtaining favorable interest rates.5. Reviewing and Updating Financial AccountsAfter a divorce, it’s crucial to update beneficiaries on financial accounts, insurance policies, and estate plans. Ensure that your will, power of attorney, and healthcare directives reflect your new circumstances. Taking these steps now can prevent complications down the road.6. Planning for Long-Term Financial SecurityFinancial independence isn’t just about the present—it’s about the future. Consider working with a financial advisor to develop a long-term plan. Whether it’s retirement savings, investment strategies, or tax planning, having a clear roadmap can help you build wealth and financial confidence.7. Embracing a Positive Money MindsetFinancial independence is as much about mindset as it is about money. Divorce can bring financial stress, but it can also be a fresh start. Shift your perspective from scarcity to opportunity. Learn about personal finance, set achievable goals, and celebrate milestones along the way.Moving Forward with ConfidenceDivorce is a major life transition, but it’s also an opportunity for growth. Taking control of your finances is one of the most empowering steps you can take toward building a secure and fulfilling future. With careful planning and the right support, you can embrace this new chapter with confidence and clarity.Your financial future is in your hands. Let’s build a plan that puts you in control.Janney Montgomery Scott LLC, its affiliates, and its employees are not in the business of providing tax, regulatory, accounting, or legal advice. Please consult with the appropriate professional for advice concerning your individual circumstances. For more information about Janney, please see Janney's Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any taxpayer for the purpose of avoiding tax penalties. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. This information was prepared from sources believed to be reliable but is not guaranteed as to accuracy and is not a complete summary or statement of all available data. The views or opinions expressed in this material are solely those of the author and do not necessarily represent those of Janney Montgomery Scott LLC.

As life expectancy increases and healthcare advances, one reality remains constant: the cost of long-term care is rising. If you’re balancing the responsibilities of raising children while also supporting aging parents, you may already feel the financial and emotional strain that comes with this phase of life. The question is—are you prepared for the potential costs of long-term care for yourself or your loved ones?Understanding the True Cost of Long-Term CareLong-term care encompasses a range of services, including assisted living, home health aides, and nursing home care. According to recent data, the national average cost of a private room in a nursing home has surpassed $100,000 per year, while in-home care services can cost thousands per month. These expenses can quickly deplete savings, leaving families in a vulnerable financial position.Unfortunately, many people underestimate these costs or assume that Medicare will cover them. While Medicare provides short-term skilled nursing care under specific conditions, it does not cover the extended care that many aging individuals require. This gap in coverage leaves families searching for solutions to ensure quality care without jeopardizing their financial future.The Emotional and Financial Strain on FamiliesNavigating long-term care decisions can be overwhelming. You may find yourself making difficult choices about care options for a parent while also ensuring your children’s needs are met. The financial burden of long-term care can force families to dip into retirement savings, sell assets, or even take on debt. Without a plan in place, these tough decisions can become even more stressful.Beyond the financial impact, the emotional weight of caregiving can take a toll on your well-being. Many individuals in this stage of life experience burnout, struggling to balance work, family responsibilities, and the needs of aging loved ones. Having a strategy to manage both the costs and emotional aspects of long-term care is essential.Planning Ahead: How to Protect Your Family’s FutureWhile the rising costs of long-term care are concerning, proactive planning can make a significant difference. Here are key steps to consider:1. Explore Long-Term Care InsuranceLong-term care insurance can help cover costs associated with assisted living, nursing homes, and in-home care. The earlier you explore your options, the more affordable the premiums may be. This type of insurance provides financial relief and peace of mind, ensuring that your loved ones aren’t burdened with the full cost of care.2. Understand Medicaid and Other Assistance ProgramsMedicaid can help cover long-term care costs, but eligibility requirements are strict and vary by state. Planning in advance with the help of a financial advisor can ensure that you or your loved ones qualify for assistance when needed, without unnecessarily spending down assets.3. Incorporate Long-Term Care into Your Financial PlanWorking with a financial advisor can help you develop a comprehensive plan that factors in potential long-term care expenses. This may include setting up a dedicated savings fund, exploring hybrid insurance policies, or creating a strategy for asset protection. The goal is to ensure that you maintain financial stability while securing quality care for your loved ones.4. Have Open Conversations with Your FamilyDiscussing long-term care plans with aging parents and family members can be difficult, but these conversations are necessary. Understanding their preferences, financial situation, and available resources can help you make informed decisions together, rather than in times of crisis.The Role of a Financial Advisor in Long-Term Care PlanningA financial advisor can be an invaluable partner in navigating the complexities of long-term care planning. They can help you evaluate your current financial position, explore options tailored to your family’s needs, and create a strategy that safeguards your assets while ensuring access to quality care.By taking proactive steps today, you can alleviate stress, protect your savings, and ensure that your loved ones receive the care they deserve—without compromising your financial future.Take the Next StepIf you’re concerned about the rising costs of long-term care and how they might impact your family, now is the time to act. Reach out to a trusted financial advisor to explore your options and develop a plan that provides security and peace of mind.Planning for long-term care is not just about finances—it’s about ensuring that you and your loved ones have the support and resources needed for the years ahead. By preparing today, you can build a future that prioritizes both financial well-being and compassionate care.Janney Montgomery Scott LLC, its affiliates, and its employees are not in the business of providing tax, regulatory, accounting, or legal advice. Please consult with the appropriate professional for advice concerning your individual circumstances. For more information about Janney, please see Janney's Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any taxpayer for the purpose of avoiding tax penalties. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. This information was prepared from sources believed to be reliable but is not guaranteed as to accuracy and is not a complete summary or statement of all available data. The views or opinions expressed in this material are solely those of the author and do not necessarily represent those of Janney Montgomery Scott LLC.