Coordinated Financial Planning Corporation (Coordinated) is not affiliated with Charles Schwab Corporation, TD Ameritrade Institutional, Lincoln Financial Securities Corporation, Lincoln National Corporation or any company affiliated with Lincoln National Corporation. Coordinated does not custody assets but it maintains client assets in several of the aforementioned.*

Both Stephen H. Perrin, Sr. and Steve Perrin, Jr. maintain their Series 7 with Lincoln Financial Securities Corporation, member SIPC®. Stephen H. Perrin, Sr. (Mr. Perrin) also holds a Series 24 Registered Principal license and maintains it with Lincoln Financial Securities Corporation.

Mr. Perrin's principle business is fee-based financial planning and asset management. On occasion, a client may explore purchasing an insurance product when developing or updating  his or her financial plan. For example, variable insurance products may offer an interested client specific estate and tax benefits.

Mr. Perrin does not typically recommend variable annuities to his clients. If a client already has an annuity product and it has a low tax basis, high internal expenses and undesirable investment options, he would likely recommend a 1035 exchange of the product to a commission free, advisor-friendly annuity, one with low internal expenses and improved investor/manager options.

If Mr. Perrin recommends a variable insurance product, it is disclosed that commissions are payable. However, the client-advisor agreement provides that any commission payable to the firm, or to Mr. Perrin, is immediately credited back to the client's fee account as a 100% offset. Coordinated's client-advisor agreement fully discloses this arrangement and any other unique to the client.

Lincoln Financial insurance products and securities are offered through representatives of Lincoln Financial Securities, Member SIPC®, to residents of, AL, AZ CA, FL, GA, IA, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NV, NY, OH, OK, PA, SD, TN, TX, VA, WI and WV.

Lincoln Financial Securities Corporation and their representatives do not offer tax or legal advice. Please seek any such advice from your personal professional (i.e. CPA, CFP®, JD, etc...) regarding your particular circumstances.

In NY, insurance may be offered through LFS Marketing Insurance Sales Corporation. In CA, insurance may be offered through LFS Marketing Insurance Sales Corporation.

Some life insurance and annuity policies involve exclusions or limitations. For costs and complete details of coverage, contact your insurance agent.

Coordinated Financial Planning Corporation does not offer legal advice, but we can recommend attorneys who specialize in estate administration, probate and guardianship.

*SEC 206(4)-2(a)(2): Coordinated Financial Planning does not custody client assets. However, we present our clients with quarterly and annual reports as a value-added service. We urge all of our clients to review and compare their custodian or any account statements against those we generate on their behalf in aggregate.