Leonard Martin & Associates | Rhode Island Financial Advisor

LEONARD MARTIN & ASSOCIATES, INC | 1045 WARWICK AVENUE , SUITE 104 | WARWICK, RHODE ISLAND 02888 | TEL: 401-781-6795 | FAX: 401-781-6795

The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Investment advisory services are offered through Virtue Capital Management, an SEC Registered Investment Advisor. Leonard Martin a& Associates, Inc and VCM are independent of each other. For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management. © Copyright 2018. Unauthorized duplication of the contents of this website are prohibited.

We have the expertise to guide you to

a successful financial future one step at a time.

At Leonard Martin & Associates, we understand that retirees face many important decisions that can affect their long-term financial success. Some of these decisions revolve around making investments that will help create a hedge against outliving their income, the impact of inflation, taxation, and rising healthcare costs. Because over ninety percent of our clients are retirees with similar concerns, we are in an advantageous position to approach such challenges with experience and skill.

Our Mission for Success

At Leonard Martin & Associates, we have made a commitment to providing excellence in everything we do for our clients. Our goal is to exceed expectations at all times by honoring you with a paramount degree of customer service. We serve you with years of experience and skill which have provided us with a wealth of knowledge regarding the financial industry. When you choose our financial planning services, you benefit from obtaining comprehensive advice from a team of highly qualified professionals and individuals with an extensive background in addressing your particular financial needs.

As an independent financial planning firm, we solely represent the needs and interests of our clients rather than any specific company. While some financial institutions recommend investment products that are manufactured by the parent of subsidiary business entities, we have no such ties. Our self-sufficiency is vital to delivering nonpartisan and unbiased recommendations. Our independence and objectivity allows us to provide our clients with the commitment that they deserve. If you have questions about how to get started or want to make an appointment, send us an email or give us a call.

www.leonardmartinandssociates | 401-781-6795

Our unique approach to your growth begins with

getting to know you and understanding your needs.

With great power comes great responsibility, and at Leonard Martin & Associates, we understand that our clients have given us great power over their financial futures and we must never forget the great responsibility that comes with that power. The investment world is a complex place and our mission is to help you navigate through it by providing a comprehensive asset and risk management plan that explores every angle of your personal financial landscape. Together we will develop a total financial management approach to your investment and retirement needs.

Communication is the cornerstone of a trusting relationship and at Leonard Martin & Associates we recognize that this is what provides our clients with the piece of mind they need when choosing an investment advisor. We pride ourselves on our clients knowing that we are just a phone call away so that when their goals or situation changes, they have the control and we are at the ready to make the needed adjustments to their financial plan. We look forward to the opportunity to consult with your regarding all of your retirement, educational and overall financial goals and needs and creating a plan that fits you best.

In working with retirees, we have discovered that many are not enjoying their retirement years as much as they hoped. Some had planned to spend more time traveling, golfing, gardening, visiting with precious grandchildren and family. Instead, they find themselves holding back out of fear that they will outlive their money. It’s a very real and valid concern. At Leonard Martin & Associates, it is our goal to put your mind at ease with some simple proven money management strategies.

Please call if you would like more information about how you can have the retirement you have always dreamed of. The only cost or obligation to you is a little bit of your time. We thank you in advance.

www.leonardmartinandssociates | 401-781-6795

Meet the president of our company, Leonard Martin.

Leonard "Lenny" Martin, ChFC®, CLU® has been in the estate planning and financial services industry since 1974. He serves clients in the states of RI, MA, CT, and FL. He is the founder and CEO of Leonard Martin & Associates Inc., a firm dedicated to serving and educating people on financial planning for their future.

Lenny is a former board member of the RI Association of Insurance and Financial Advisors. He is a member of the RI Society of Financial Service Professionals and board member of the Bristol Community College Alumni Association in Fall River, MA. He served as the state chairman for the RI political action committee for consumers and advisors. Lenny has sat on several charitable boards and committees, including Special Olympics and RI Children’s Crusade. After extensive training in Nashville, TN, Lenny has learned ways to maximize benefits dealing with Social Security planning.

Lenny is a multiple Five Star Wealth Manager and was featured in Rhode Island Monthly. Lenny is also a Registered Investment Advisor Representative and is a Chartered Financial Consultant and a Certified Life Underwriter from the American College.

Lenny’s firm specializes in estate planning for all sizes of estates, large and small. He helps his clients to avoid paying unnecessary taxes such as Income Taxes, Social Security, and Estate Taxes. Avoiding probate and increasing spendable income is another important part of his practice. And finally, helping seniors avoid Medicaid Spend Down of their assets when nursing home care is needed is a critical aspect of Lenny’s expertise.

Lenny has four children, Michael, Jillian, Alicia and Alexandra and one granddaughter, Portia Rose. His office is conveniently located in Warwick, RI. He attributes his success to relationships, staff, focus, and passion. He believes some people leave their financial advisors not because of lack of returns, but because of a lack of relationships. His business and personal life reflect his core belief that success comes from the five F’s: Family, Finances, Fitness, Faith, and Fun.

www.leonardmartinandssociates | 401-781-6795

Leonard Martin is a proud member of Ed Slott’s Elite Advisor Group.

Your hard-earned money is at high risk for being lost to taxes and fees if your advisor doesn't know to ask you the right questions, isn't aware of changes to the turbulent tax code, and/or hasn't been trained in high-level retirement planning strategies.

In 2021, Lenny met Ed Slott and realized he had been missing so much for his clients. Ed Slott is the country's foremost expert in retirement distribution planning. You may have seen Ed on PBS where he helped raise millions of dollars for Public Television, or on just about any news channel or financial publication.

Shortly thereafter, Lenny began training with Ed and his group of professionals and he is proud to be a member of Ed Slott's Elite Advisor group.

An excerpt from Ed Slott's website reads:

Retirement Money is One of Your Largest Assets. Are You Working with The Right Advisor?

Your hard-earned money is at high risk for being lost taxes and fees if your advisor doesn't know to ask you the right questions, isn't aware of changes to the turbulent tax code, and/or hasn't been trained in high-level retirement planning strategies.

Are you making the right moves with your retirement or are you building a savings account for Uncle Sam? The answer lies in education and working with a qualified advisor.

Members of Ed Slott's Elite IRA Advisor GroupSM train with Ed Slott and Company on a continuous basis, have completed requisite training, passed a background check, attend required workshops and complete mandatory exams. They are immediately notified of changes to the tax code and updates on retirement planning, so you can be sure your retirement dollars are safe from unnecessary taxes and fees.

Retirement planning is complicated and you need an IRA specialist in this area. It is a personal and situational endeavor with possible pitfalls in the way of success. Work with a financial professional who invests in his / her education to eliminate risk and keep more of your retirement dollars for you and your family. With new tax laws, important IRS rulings and an ever-changing financial climate, it is more important than ever for advisors to continually invest in their education. Members of Ed Slott's Elite IRA Advisor GroupSM are dedicated to being leaders in the IRA industry and protecting their clients' families' futures.

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Leonard Martin & Associates can assist you in

every aspect of your financial life.

Leonard Martin & Associates was founded with the goal of assisting clients in every aspect of their financial life. Our trusted partnership allows us to successfully navigate each client through life's most important journeys, thus earning us a solid reputation in our industry. We create a customized plan for your financial stability and independence in retirement. To schedule your free financial assessment and consultation, contact us today.

Insurance Products

Insurance products have adapted greatly to offer a wider range of uses within a retirement plan. With your goals in mind, insurance or annuities may be just one piece to your retirement puzzle.

Education Planning

The rising cost of education shouldn’t be a threat to your financial future. Looking at your entire financial picture, including the cost of your children’s education, allows us the ability to adequate plan and fund for the future of your children—including college.

Financial Planning

An effective financial plan is just that—a plan. It forces you to make a goal, it includes different needs that you will have along the way, and it accounts for each and every liquid asset and investment that you have. Making your money work the best for your or helping you to fill in the gaps that you may have is our responsibility.

Retirement Goals

Everyone has goals for retirement. Maybe your goal is strictly to enjoy your retirement on a boat without fear of running out of money. Maybe your have retirement goals: you want to live retirement to its fullest, while leaving a legacy to your family or favorite charity. Retirement is esteemed as a time in life for relaxation, traveling, enjoying family, and taking on new hobbies. As a retiree, you never want to find yourself spending this time in fear that you will outlive your money.

401k Planning

What are the benefits of rolling over my 401(k) or my 403(b)? These are some of the most common investment options, but rolling them over will widen your range of investment options for diversification of your portfolio. Most employee-sponsored plans do not offer this range in investment options.

For our complete list of services, give us a call.

LEONARD MARTIN & ASSOCIATES, INC

1045 WARWICK AVENUE , SUITE 104

WARWICK, RHODE ISLAND 02888

TEL: 401-781-6795

FAX: 401-781-6795

LEONARD MARTIN & ASSOCIATES, INC 1045 WARWICK AVENUE , SUITE 104 WARWICK, RHODE ISLAND 02888

TEL: 401-781-6795

FAX: 401-781-6795

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