The custodian behind your account
Your assets are held at LPL Financial, the largest independent broker-dealer in the country.
Ranked #340 on the 2025 Fortune 500. The same infrastructure used by tens of thousands of advisors and institutional clients.
Assets serviced
In brokerage and advisory assets serviced or custodied.
Client accounts
Individual client accounts in LPL's system.
Financial advisors
Independent financial advisors served by LPL nationwide.
Institutional partners
Banks and credit unions partnering with LPL.
Safeguarding what you've built
How LPL protects you
SIPC Membership
If a member firm ever failed, SIPC covers each client up to $500,000, with $250,000 of that for cash.
Excess of SIPC
Where SIPC stops, coverage through Lloyd's of London picks up, to a $1 billion firm-wide limit.
FDIC-Insured Cash
Your cash is spread across multiple banks automatically, up to $2.5 million of FDIC coverage, or $5 million on joint accounts.
Cyber Fraud Guarantee
Lose money to unauthorized account access through no fault of your own, and LPL makes you whole.
SIPC and excess-of-SIPC coverage apply if a brokerage firm fails; they do not protect against market losses. FDIC coverage applies to cash in the Insured Cash Account program, and the Cyber Fraud Guarantee carries eligibility conditions. Details at sipc.org, fdic.gov, and lpl.com.
Institutional research, personal advice
The experts behind your plan
Independent advice doesn't mean going it alone. Behind every recommendation we make sits LPL Research, one of the industry's largest independent research teams, watching the same markets your plan depends on.
Their job is analysis, not sales. LPL builds no products of its own, so the research reaches us without an agenda — and we put it to work on your plan.
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Leadership at the top
A Chief Investment Officer and Chief Economist set the market and economic outlook.
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Specialists in every seat
Equity, fixed income, and technical strategists, many of them CFA charterholders.
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Nothing to sell you
No proprietary products or pressure to go against your best interests.
Open architecture
A broader range of strategies for you
Every choice below is made for your plan, never for a quota.
Stocks & ETFs
Individual equities and ETFs, at home and abroad.
Bonds & CDs
Individual bonds and brokered CDs for steadiness and income.
Mutual Funds
Thousands of funds from leading managers — none of them LPL's own.
Managed Portfolios
Professionally run accounts, including separately managed strategies.
Retirement Accounts
Traditional and Roth IRAs, rollovers, SEP and SIMPLE plans.
Education Savings
529 plans and other ways to fund what's next for your family.
Annuities & Insurance
Income and protection from a broad lineup of rated carriers.
Alternative Investments
Alternatives and structured products for qualified investors, when they fit.
Cash Management
FDIC-insured sweeps and cash tools built into your accounts.
Independent advice, institutional strength.
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