A Registered Investment Advisor
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Resources

Cascade Financial Strategies in Bend provides fee-only financial planning, wealth management, retirement planning, investment management, and socially responsible investing (SRI). Below are a few resources collected to assist you, including; LPL account view, featured articles and reports, savings & retirement calculators, useful websites, LPL Financial SIPC membership information, and more. Please give us a call if you have any questions about any of our financial services, or would like to meet us for a consultation.

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Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.

Useful Websites

Taxes:

Government Agencies:

News:

Certified Financial Planner Board of Standards, Inc. (CFP Board):

Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to

Account Protection

The LPL Financial SIPC membership provides account protection up to a maximum of $500,000 per customer, of which $250,000 may be claims for cash. For an explanatory brochure, visit www.sipc.org. Additionally, through London Insurers, LPL Financial accounts have additional securities protection to cover the net equity of customer accounts up to an overall aggregate firm limit of $575 million subject to conditions and limitations. The account protection applies when an SIPC member firm fails financially and is unable to meet obligations to securities clients, but it does not protect against losses from the rise and fall in the market value of investments. This extensive coverage reflects a strong commitment to servicing your investment needs.

FDIC Insurance

The LPL Financial Insured Cash Account (ICA) program is an automated bank-deposit cash sweep program that is insured with the Federal Deposit Insurance Corporation(FDIC). The program leverages multiple banks and offers a tiered interest-rate structure, giving you the benefit of added security.

Benefits of the Insured Cash Account Program

The Insured Cash Account program offers you a number of unique benefits, including: FDIC insurance on cash sweep balances up to $1.5 million for single and trust account holders and $3 million for joint account holders. The Insured Cash Account program leverages multiple banks so you can enjoy higher FDIC insurance coverage. Higher interest rates for higher household assets. The interest rate you earn on your cash sweep balances can be based on the aggregate value of all eligible and participating accounts in your household, not just your cash sweep balances. To take advantage of this benefit, ask your financial advisor to combine monthly brokerage statements for all accounts in your household.

Convenient Cash Management Services

You have the flexibility to choose value-added services that meet your cash management needs including free check writing, Visa check card with ATM access** and Internet bill pay.**

How the Program Works: Deposits at Participating Banks

The Insured Cash Account program offers you a high level of FDIC insurance coverage by spreading your cash deposits over a network of well-capitalized banks. Your cash deposits are distributed among participating banks based on a priority list by state. When a cash credit is made to your account, the assets are automatically transferred to a deposit account held on your behalf at the first bank on your Priority List until that bank reaches the deposit limit of $246,500 for single accounts and $493,000 for joint accounts. Additional cash deposits are made to the next available bank on your Priority List as needed. You can view the most current Priority Bank List for your state or region at www.lpl.com.

Deposit Protection

Through the firm’s multi-bank Insured Cash Account program, deposits are eligible for up to $1.5 million of deposit insurance for individual and trust accounts and for up to $3 million of deposit insurance for joint accounts through the FDIC. At each bank, your Insured Cash Account deposits are insured by the FDIC to a maximum amount of $250,000 (including principal and accrued interest) when aggregated with all other deposits held by you in the same recognized legal capacity (e.g., individual, joint, etc.) at the same bank. For example, if you have an individual brokerage account, you would be eligible for up to $250,000 of FDIC deposit insurance per bank. If you and your spouse have a joint account, your account would be eligible for up to $500,000 of FDIC deposit insurance per bank. If you have any questions about FDIC insurance coverage, visit www.fdic.gov.

* Subject to investment cutoffs.
** There are additional charges for these services.

To obtain a complete copy of a brochure about the Insured Cash Account (ICA) program, email us with ICA in the subject line.