May 2022 Market Insights
a monthly 1-page distillation of timely market and economic news along with commentary on relevant business and personal planning topics
Managing Director: Financial Planning
Baldwin & Clarke Advisory Services, LLC
Managing Director: Financial Planning
Baldwin & Clarke Advisory Services, LLC
I joined the BaldwinClarke family fresh out of college in 1982. I found out very early in my career that I thoroughly enjoyed all aspects of the financial services field and have been a devoted student of it ever since. Throughout the years, I have had the wonderful opportunity to work with some very high quality and knowledgeable professionals in this industry. Every client situation has been unique, rewarding and privilege to work on. Over time, BaldwinClarke has added many new planning services for both individuals and business owners to help address some to the new and specialized needs created by an everchanging financial world. My time away from BaldwinClarke is spent at home in Bedford with my wife and our 2 Cocker Spaniels. We enjoy spending time with our son at his house and playing with his 4 puppies. I enjoy spending time working in our yard as well as playing tennis and fitness training (which is most notable when looking at the 100 lbs that I have gained since starting at BaldwinClarke).
Financial & Estate Planning for Individuals and Business Owners
My primary focus in the Advisory Company is in the financial and estate planning area addressing the needs of individuals as well as closely held business owners. The planning can take many forms including wealth accumulation plans, wealth and estate preservation plans, and comprehensive financial plans. Additionally, planning for a business owner may involve business continuity planning, business transfer planning, and employee benefit and retention planning (qualified and non-qualified). Each plan is custom designed to fit the specific goals, needs and circumstances of the client. Of course, planning for the business owner is closely intertwined with their personal financial and estate planning so a comprehensive view is taken.
Scott D. LaValley is an Independent Insurance Broker and a Consultant/Employee with Baldwin & Clarke, LLP. Scott LaValley is an investment adviser representative of Baldwin & Clarke Advisory Services, LLC, an independent registered investment advisory firm. Baldwin & Clarke, LLP and Baldwin & Clarke Advisory Services, LLC are two of the companies within The Baldwin & Clarke Holding Company, LLC. Scott LaValley is a Registered Representative of and offers securities through Lincoln Financial Securities Corporation (LFS), Member SIPC. Baldwin & Clarke Holding Company, LLC, Baldwin & Clarke, LLP, and Baldwin & Clarke Advisory Services, LLC are not affiliates or subsidiaries of Lincoln Financial Securities Corporation. Through LFS, Scott is solely licensed as a registered representative and not as an investment adviser representative of LFS. As an LFS representative, Scott may only act in a broker-dealer capacity regarding the advice and recommendations that he provides to you through LFS. Please see LFS’s Form CRS Customer Relationship Summary available here for succinct information about the relationships and services that LFS offers to retail investors, related fees and costs, specified conflicts of interest, standards of conduct, and disciplinary history, among other matters. LFS’ Regulation Best Interest Disclosure Document, which describes LFS’ broker-dealer services, and other client disclosure documents can be found here.
One Bedford Farms Drive
Suite 102
Bedford, NH 03110
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Wealth Management Services (“Investment Advisory”, “Financial Planning”, “Retirement Planning”, “Estate & Wealth Transfer Planning”, “Exit Planning”, “401(k) & 403(b) Advisory & Management”, “Qualified Plan Design & Consulting”) are offered through Baldwin & Clarke Advisory Services, LLC (BCAS). BCAS is a Registered Investment Adviser with the United States Securities and Exchange Commission (SEC). BCAS’ Form CRS and other disclosure documents can be found here. The information in this website has not been approved or verified by the SEC, or by any state securities authority. Additional information about BCAS is available on the SEC’s website at: www.adviserinfo.sec.gov, using CRD#105666. Registration does not imply a certain level of skill or training.
Investment Banking Services (“Pre-Transaction Planning”, “Business Valuations”, “Buy-Side & Sell-Side M&A Advisory”, “Debt & Equity Capital Advisory”) are offered through Baldwin & Clarke Corporate Finance, LLC.
Insurance Planning Services (“Life Insurance Planning”, “Disability Insurance Planning”, “Long-Term Care Insurance Planning”, “Shareholder Life Insurance Planning”, “Executive Benefit Planning”, “Key Person Insurance Planning”) are offered through Baldwin & Clarke, LLP.
LFS-3165687-071620
