Who is Lionheart?

Lionheart Financial Ltd. is a unique organization in that we provide investment management services along with the intimacy of a privately held boutique firm.  We are committed to providing you with objective and creative solutions to the myriad of financial challenges that you may face throughout your life.  It is our goal to develop and maintain a long-term relationship with you and your family and to be a valued resource.

What do you do?

Our Financial Advisors work closely with your other professional advisors or refer you to our professional strategic relationships to properly implement your financial plan.  Our goal is that our firm becomes the conduit by which all of your financial needs are met.

Many of our clients are either approaching or are already in retirement, while others are planning for children’s education and building their assets. We build a personalized financial plan for each client, and regularly review that plan to account for life’s changes. We manage investments in client portfolios based on each client’s goals, risk tolerance, and time horizon, and we monitor those portfolios closely so that changes can be made where appropriate.  We also provide clients with insurance protection through life, disability, and long term care products.

Finally, we are very aware of the importance of giving back to our local communities, as evidenced by our volunteer efforts, charitable board memberships, committee participation and philanthropic contributions.


How do I become a client?

Simply make an appointment to meet with one of our financial advisors and talk about your situation. After an initial meeting, you will have a good idea of how we can work with you to help you get from where you are to where you want to be. You may call our office directly at to schedule an appointment, or email us through the ‘Contact US’ on our website.

Is there any cost for an initial meeting?

No, there is no fee for an initial meeting. It will be a chance for you to meet a financial advisor, ask questions, and share information about your financial goals and expectations so you may decide how you would like to proceed.

What are the fees?

We manage investments in three basic ways: a transaction-based commissioned brokerage account; or a fee-based asset management account; or on an hourly basis.

Both the transaction-based brokerage account and the fee-based asset management account are appropriate in different circumstances. Once we assess your situation and determine your needs, we will discuss the types of accounts so we may decide together which is right for you.

If you wish to engage us solely for fee based financial planning, such as an analysis of your overall financial situation, or a consultation on a specific financial issue, then the hourly fee will be determined between you and the financial advisor based on the extent and intricacy of the analysis.

Can I view my accounts online?

Yes, you may view your account online from the ‘About Us’ then ‘Account Access’ tab on the homepage of our website. If you need assistance with setting up online access, please call our office at (708)478-0554 and one of our associates will be glad to help you.

Who is Pershing?

Pershing, LLC supports Cambridge Investment Research with clearing, order execution, fund settlement, custodial services, reporting, and trading services. Pershing is the world’s leading provider of financial business solutions to broker-dealer firms, registered investment advisors, and investment managers.   (Source: www.pershing.com)

Who is Cambridge Investment Research?

Cambridge Investment Research, offers a comprehensive array of financial services and products to clients, including financial and retirement planning, mutual funds, managed accounts, life insurance, alternative investments, annuities and more.  For more information, visit: www.CIR2.com

Who is FINRA?

The Financial Industry Regulatory Authority (FINRA) is a regulatory organization for the securities industry, including nearly 5,000 securities firms and more than 632,000 brokers.  Created in July 2007 through the consolidation of the NASD (National Association of Securities Dealers) and the regulatory functions of the New York Stock Exchange, FINRA is dedicated to protecting investors and the integrity of the stock market through effective and efficient regulation of the securities industry.  (www.finra.org/AboutFINRA/)

What is SIPC?

The Securities Investor Protection Corporation (SIPC) protects customers if their brokerage firm fails.  Brokerage firm failures are rare.  However, if it happens, SIPC steps in and, within certain limits, works to return customer’s cash, stock, and other securities.  (www.SIPC.org).  Our broker/dealer Cambridge Investment Research, is a member of SIPC.

Asset / Tax / Product Allocation

You’ve probably heard the old saying, “don’t put all your eggs in one basket.” That saying essentially describes the need for asset, product, and tax allocation:

Asset Allocation

The three main asset classes - equities, fixed-income, and cash – all have different levels of risk and return, so each will perform differently over time as the economy expands and contracts. Asset allocation seeks to balance risk versus reward in accordance with your goals.  While Asset Allocation does not guarantee profit or guaranteed to protect assets, it is a well-used risk management strategy.

Product Allocation

All properly structured financial plans incorporate multiple types of investment vehicles. Our industry provides products such as mutual funds, ETFs, UITs, individual stocks, bonds, annuities, options, and more. Each of these has pros and cons to them, and one product’s advantages can help to offset another product’s disadvantages. It is important to understand how to create the proper product mix strategy designed to deliver efficient investment income to support your goals.

Tax Allocation

Since we all know that after-tax returns are what you actually spend, we focus on investing efficiently to help limit the potential tax liability on your investment income.  We focus on helping you properly allocate your assets across the four tax buckets.

Taxable: As money grows each year, you must pay taxes on portions of the growth (dividends, capital gains, and interest earnings)

Tax-deductible and tax-deferred:  Money contributed to certain retirement plans receives a current-year tax deduction and any earnings continue to grow tax-deferred until the money is distributed. Most people have saved the majority of their investment money in this tax bucket because they believe they will be in a lower tax bracket in retirement. However, due to budget deficits, the probability of taxes rising in the future is strong. So the question is, will clients be in a lower tax bracket when they retire or not?  This remains to be seen, but is worth watching.

Non-deductible and tax-deferred:  Money contributed is after-tax money. However, the growth of this money is tax-deferred until distribution.

Tax-free or tax-exempt: Money contributed is after-tax money and distributions are tax-free, such as distributions from a Roth IRA assuming applicable criteria is met.

Important note: Distributions from tax-deferred investments are subject to taxes upon distribution.  Qualified distributions from a Roth IRA are tax-free.

Lionheart Financial Ltd. can provide the knowledge and resources you need to discover the right investments for you, and help you monitor them regularly. Remember – it is never too early (or too late!) to seek guidance on how best to work to accumulate your assets.


Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Lionheart Financial Ltd. and Cambridge are not affiliated.

Lionheart Financial, Ltd., is not a subsidiary of nor controlled by Cambridge Investment Research

Neither Cambridge Investment Research not its representatives offer tax or legal advice.  Seek the advice of a tax attorney or a tax advisor prior to making a tax-related insurance/investment decision.