John Lian, CLU®, AIF®

Financial Advisor
Financial Services Representative

Leominster Credit Union

Baystate Financial and Leominster Credit Union have formed a strategic alliance that allows John Lian to provide financial products and services to LCU members.

The Leominster Credit Union's Main Office is located at:
20 Adams Street
 

Services

We provide a full array of comprehensive personal and business financial services to LCU Members.  Feel free to contact us for a complimentary initial consultation or brief introductory conversation to determine how we might collaborate with you toward achieving your financial goals.

Investment Services


We begin by getting a clear understanding of your overall financial goals and your goals for each investment account.  We discuss your investment preferences and concerns, your attitudes toward risk and your time frame for the assets in each account.  To implement your various investment strategies, we'll work with you to build appropriately diversified portfolios, with access to the following:

•Managed Accounts
•Mutual Funds
•Individual, Joint, Trust accounts
•IRAs, Roth IRAs
•529 Plans
•Fixed and Variable Annuities
 

Insurance Services


We discuss with you your general attitudes toward risk, underline various risks and review the numerous options to manage and / or mitigate these forms of risk.  We will perform a full policy and beneficiary review, as well as the review of trusts that may own certain policies.  We can offer access to the following solutions:

•Life Insurance
•Disability Income Protection
•Long-Term Care Insurance
•Business Income Continuation, Succession and Estate Conservation strategies*

Employee Benefits


 We provide a consultative review of all your employee benefits, looking to ensure that any benefits offered are fulfilling their intended purpose and are the most cost-effective available.  We can propose solutions in the following areas:

Qualified Retirement Plans, Pension and Profit Sharing Plans:

•401(k) Plans
•403(b) Plans
•Profit Sharing Plans
•SEP IRAs
•SIMPLE Plans
•Executive Deferred Compensation Plans
•Cash Balance Plans:  integrated design with Defined Contribution Plans
 Group Insurance
•Health and Dental Care
•Life Insurance
•Short Term and Long Term Disability Income coverage
•Long Term Care insurance
 

College Funding Strategies


One financial goal that most parents share is a college education for their children. With college costs increasing at a faster rate than general inflation, saving for college can be a daunting task. You can, however, pursue this important financial goal by establishing a college fund and taking action today.

 
• 529 Savings Plan
• Coverdell Education Savings Account
• Tax-Deferred Plans*

Contact Information:

Baystate Financial

1 West Boylston St., Suite 101
Worcester, MA 01605

Securities and investment advisory services are offered through qualified registered representatives of MML Investors Services, LLC, Member SIPC.

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