Lynch Retirement Advisors, LLC.

The firm provides retirement-focused financial planning and portfolio management to individuals, families, and small businesses, offering comprehensive pre-retirement and retirement planning, asset-allocation advice, Roth conversion guidance, and both discretionary and non-discretionary investment services. It manages client accounts at a qualified custodian and reported approximately $19.84 million in discretionary assets across 84 accounts while also handling a number of non-discretionary annuity contracts outside the custodial platform.

Its investment process centers on strategic retirement planning with ongoing monitoring, periodic rebalancing, and annual reviews; the firm uses third-party tools such as MoneyGuidePro and Charles Schwab technology to inform suitability analyses and client recommendations. Services are delivered on a mix of fee arrangements (asset-based, flat, and hourly) and include education webinars and documented goals and risk tolerances to guide portfolio decisions.

Notably, the adviser is also licensed to sell fixed insurance products and sold numerous fixed and fixed-indexed annuity contracts in 2025 through insurers including Lincoln Financial, North American, American National, and MassMutual, many with shorter surrender periods, higher crediting rates and higher cap limits. The receipt of ancillary commissions from these insurance sales—and the firm’s disclosure that such commissions can factor into fee adjustments for certain legacy accounts—distinguishes its business model from most independent advisers that rely solely on fee-only compensation.