[bt_bb_section layout=”boxed_1200″ top_spacing=”large,;,,;,,;,,;,” bottom_spacing=”large,;,,;,,;,,;,” full_screen=”” vertical_align=”top” color_scheme=”dark-skin” background_color=”” background_image=”2764″ background_overlay=”dark_solid” parallax=”0.6″ parallax_offset=”” background_video_yt=”” yt_video_settings=”” background_video_mp4=”” background_video_ogg=”” background_video_webm=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” lazy_load=”no” top_section_coverage_image=”” bottom_section_coverage_image=”” allow_content_outside=”no” show_video_on_mobile=”” parallax_zoom_start=”” parallax_zoom_end=”” parallax_blur_start=”” parallax_blur_end=”” parallax_opacity_start=”” parallax_opacity_end=”” animation=”no_animation”][bt_bb_row][bt_bb_column width=”2/3″ align=”left” vertical_align=”middle” animation=”fade_in” padding=”normal” background_image=”” inner_background_image=”” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” lazy_load=”no” color_scheme=”” shape=”” inner_color_scheme=””][bt_bb_separator top_spacing=”” bottom_spacing=”large” border_style=”none” border_width=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” text=”” border_color=”none” opacity=””][/bt_bb_separator][bt_bb_headline font_subset=”latin,latin-ext” superheadline=”” headline=”Secure your future.” subheadline=”Lach Financial is a fee-only Registered Investment Adviser dedicated to working hand-in-hand with its clients to achieve success through the science of investing. Take the first step towards securing your future by scheduling a free, no obligation portfolio review.” html_tag=”h1″ size=”huge” align=”inherit” dash=”none” color_scheme=”” color=”” font=”inherit” font_size=”” font_weight=”” url=”” target=”_self” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” supertitle_position=”” supertitle_style=”” supertitle_font_weight=”” subtitle_font_weight=”” letter_spacing=”” subtitle_style=”default”][/bt_bb_headline][bt_bb_separator top_spacing=”” bottom_spacing=”medium” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][bt_bb_button text=”GET STARTED NOW” icon=”” size=”large” icon_position=”left” weight=”” url=”contact” target=”_self” align=”inherit” color_scheme=”dark-accent-skin” style=”filled” shape=”inherit” width=”inline” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_button][bt_bb_separator top_spacing=”” bottom_spacing=”medium” border_style=”none” border_width=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” text=”” border_color=”none” opacity=””][/bt_bb_separator][/bt_bb_column][bt_bb_column width=”1/3″][/bt_bb_column][/bt_bb_row][/bt_bb_section][bt_bb_section layout=”boxed_1200″ lazy_load=”yes” allow_content_outside=”no” show_video_on_mobile=”” top_spacing=”large” bottom_spacing=”medium” full_screen=”” vertical_align=”top” color_scheme=”alternate-gray-background” background_color=”” background_image=”” background_overlay=”” top_section_coverage_image=”” bottom_section_coverage_image=”” parallax=”” parallax_offset=”” background_video_yt=”” yt_video_settings=”” background_video_mp4=”” background_video_ogg=”” background_video_webm=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][bt_bb_row][bt_bb_column lazy_load=”yes” width=”1/1″ align=”center” vertical_align=”top” animation=”fade_in” background_image=”” inner_background_image=”” color_scheme=”” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” inner_color_scheme=”” shape=””][bt_bb_headline font_subset=”latin,latin-ext” superheadline=”” headline=”Not all financial advisers are created equal:” subheadline=”Stay on your path to financial confidence” html_tag=”h3″ size=”large” align=”inherit” dash=”none” color_scheme=”” color=”” font=”inherit” font_size=”” font_weight=”” url=”” target=”_self” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” supertitle_position=”” supertitle_font_weight=”” subtitle_font_weight=”” supertitle_style=”” subtitle_style=”” letter_spacing=””][/bt_bb_headline][bt_bb_separator top_spacing=”” bottom_spacing=”medium” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][/bt_bb_column][/bt_bb_row][bt_bb_row][bt_bb_column width=”1/3″ align=”left” vertical_align=”top” animation=”fade_in” background_image=”” inner_background_image=”” lazy_load=”no” color_scheme=”” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” inner_color_scheme=””][bt_bb_card_image html_tag=”h3″ lazy_load=”yes” image_position=”” image_base_size=”large” image_format=”4:3″ title_size=”large” border=”show” image=”2650″ supertitle=”” title=”Who’s Managing Your Money?” text=”As a Registered Investment Adviser, Lach Financial is held to the fiduciary standard, which is the highest standard of care a professional owes to a client. Brokers are not held to such a high standard.” url=”https://www.lachfinancial.com/brokers-investment-advisers/” target=”_self” shadow=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” font=”inherit” font_subset=”latin,latin-ext” font_weight=”” animation=”no_animation”][bt_bb_separator top_spacing=”” bottom_spacing=”medium” border_style=”none” border_width=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” text=”” border_color=”none” opacity=””][/bt_bb_separator][bt_bb_button text=”READ MORE” icon=”icon7stroke_e685″ size=”small,;,,;,,;,,;,” icon_position=”right” weight=”semi-bold” url=”https://www.lachfinancial.com/brokers-investment-advisers/” target=”_self” align=”inherit,;,,;,,;,,;,” color_scheme=”accent-light-skin” style=”clean” shape=”inherit” width=”inline” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” font=”inherit” font_subset=”latin,latin-ext” animation=”no_animation”][/bt_bb_button][/bt_bb_card_image][/bt_bb_column][bt_bb_column width=”1/3″ align=”left” vertical_align=”top” animation=”fade_in” background_image=”” inner_background_image=”” lazy_load=”no” color_scheme=”” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” inner_color_scheme=””][bt_bb_card_image html_tag=”h3″ lazy_load=”yes” image_position=”” image_base_size=”large” image_format=”4:3″ title_size=”large” border=”show” image=”2646″ supertitle=”” title=”The Fee-Only Difference” text=”Lach Financial is a fee-only adviser, which means we don’t offer any investment products which charge commissions. 100% of the compensation that we receive comes from the advice and services we provide, not from the products we recommend. Here, you can expect independent, objective advice – not a sales pitch.” url=”https://www.lachfinancial.com/fee-only-investing/” target=”_self” shadow=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][bt_bb_separator top_spacing=”” bottom_spacing=”medium” border_style=”none” border_width=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” text=”” border_color=”none” opacity=””][/bt_bb_separator][bt_bb_button text=”READ MORE” icon=”icon7stroke_e685″ size=”small,;,,;,,;,,;,” icon_position=”right” weight=”semi-bold” url=”https://www.lachfinancial.com/fee-only-investing/” target=”_self” align=”inherit,;,,;,,;,,;,” color_scheme=”accent-light-skin” style=”clean” shape=”inherit” width=”inline” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” font=”inherit” font_subset=”latin,latin-ext” animation=”no_animation”][/bt_bb_button][/bt_bb_card_image][/bt_bb_column][bt_bb_column width=”1/3″ align=”left” vertical_align=”top” animation=”fade_in” background_image=”” inner_background_image=”” lazy_load=”no” color_scheme=”” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” shape=”” inner_color_scheme=””][bt_bb_card_image html_tag=”h3″ lazy_load=”yes” image_position=”” image_base_size=”large” image_format=”4:3″ title_size=”large” border=”show” image=”2767″ supertitle=”” title=”Heart of a Teacher” text=”In the world of investing, true expertise is an indispensable asset. Patrick Lach’s ongoing work and research as a finance professor provides a foundation of continuous learning, which lets our clients rest easy with the knowledge that we are always pursuing new ways to keep their future secure.” url=”https://www.lachfinancial.com/history-qualifications/” target=”_self” shadow=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” font=”inherit” font_subset=”latin,latin-ext” font_weight=”” animation=”no_animation”][bt_bb_separator top_spacing=”” bottom_spacing=”normal” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][bt_bb_button text=”READ MORE” icon=”icon7stroke_e685″ size=”small,;,,;,,;,,;,” icon_position=”right” weight=”semi-bold” url=”https://www.lachfinancial.com/history-qualifications/” target=”_self” align=”inherit,;,,;,,;,,;,” color_scheme=”accent-light-skin” style=”clean” shape=”inherit” width=”inline” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” font=”inherit” font_subset=”latin,latin-ext” animation=”no_animation”][/bt_bb_button][/bt_bb_card_image][bt_bb_separator top_spacing=”” bottom_spacing=”medium” border_style=”none” border_width=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” text=”” border_color=”none” opacity=””][/bt_bb_separator][/bt_bb_column][/bt_bb_row][/bt_bb_section][bt_bb_section layout=”wide” lazy_load=”yes” allow_content_outside=”no” show_video_on_mobile=”” top_spacing=”” bottom_spacing=”” full_screen=”” vertical_align=”top” color_scheme=”alternate-gray-background” background_color=”” background_image=”” background_overlay=”” top_section_coverage_image=”” bottom_section_coverage_image=”” parallax=”” parallax_offset=”” background_video_yt=”” yt_video_settings=”” background_video_mp4=”” background_video_ogg=”” background_video_webm=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][bt_bb_row column_gap=”0″ row_width=”boxed_1200_right_content_wide” color_scheme=”” background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” animation=”no_animation” negative_margin=””][bt_bb_column lazy_load=”yes” width=”6/12″ align=”left” vertical_align=”middle” animation=”fade_in” background_image=”” inner_background_image=”” color_scheme=”” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”20″ shape=”” inner_color_scheme=””][bt_bb_separator top_spacing=”” bottom_spacing=”large” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][bt_bb_headline font_subset=”latin,latin-ext” superheadline=”” headline=”Our Philosophy” subheadline=”I believe that every person deserves to have an adviser who puts their interests first. As a Registered Investment adviser, Lach Financial is a fiduciary, which is the highest standard of care a professional owes to a client. I also believe that every effort should be made to find the most reliable sources when making decisions for a client. That is why every decision at Lach Financial is based on empirical, peer-reviewed academic research; not the whim or gut feeling of a mutual fund manager. I believe that every effort should be made to eliminate any practices that create or could potentially create a conflict between the adviser and the client. That is why my firm does not receive any referral fees, kickbacks, or commissions. Not one dime. As a fee-only adviser, every penny of revenue received by Lach Financial comes from one source — the client.
” html_tag=”h3″ size=”large” align=”inherit” dash=”none” color_scheme=”” color=”” supertitle_position=”” supertitle_style=”” subtitle_style=”” font=”inherit” font_size=”” font_weight=”” supertitle_font_weight=”” subtitle_font_weight=”” letter_spacing=”” url=”” target=”_self” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_headline][bt_bb_separator top_spacing=”” bottom_spacing=”normal” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][bt_bb_row_inner][bt_bb_column_inner width=”1/2″ width_lg=”1/2″ width_md=”1/2″ width_sm=”” width_xs=””][bt_bb_separator top_spacing=”” bottom_spacing=”normal” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”hidden_md hidden_lg” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][bt_bb_image lazy_load=”yes” image=”2648″ size=”full” image_height=”” align=”left,;,,;,,;,,;,” caption=”” url=”” target=”_self” hover_style=”simple” content_display=”always” content_background_color=”” content_background_opacity=”” content_align=”middle” responsive=”” publish_datetime=”” expiry_datetime=”” animation=”no_animation” el_id=”” el_class=”” el_style=”” shadow=”” shape=”square”][/bt_bb_image][bt_bb_separator top_spacing=”,;,,;,,;,,;,” bottom_spacing=”extra_small,;,,;,,;,,;,” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”hidden_md hidden_lg” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” animation=”no_animation”][/bt_bb_separator][bt_bb_text]
PATRICK LACH, PH.D., CFA, CFP®
INVESTMENT ADVISER REPRESENTATIVE
[/bt_bb_text][/bt_bb_column_inner][bt_bb_column_inner width=”1/2″ width_lg=”1/2″ width_md=”1/2″][bt_bb_separator top_spacing=”,;,,;,,;,normal,;,normal” bottom_spacing=”,;,,;,,;,,;,” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” animation=”no_animation” el_id=”” el_class=”” el_style=””][/bt_bb_separator][bt_bb_image lazy_load=”yes” image=”2736″ size=”full” image_height=”” align=”center,;,,;,,;,,;,” caption=”” url=”” target=”_self” hover_style=”simple” content_display=”always” content_background_color=”” content_background_opacity=”” content_align=”middle” responsive=”” publish_datetime=”” expiry_datetime=”” animation=”no_animation” el_id=”” el_class=”image-fix” el_style=”” shadow=”” shape=”square”][/bt_bb_image][/bt_bb_column_inner][/bt_bb_row_inner][bt_bb_separator top_spacing=”normal” bottom_spacing=”normal” text=”” border_style=”solid” border_color=”gray” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][bt_bb_row_inner][bt_bb_column_inner width=”1/3″ align=”center” vertical_align=”top” animation=”no_animation” background_image=”” inner_background_image=”” lazy_load=”no” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” shape=”” inner_color_scheme=””][bt_bb_separator top_spacing=”” bottom_spacing=”normal” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”hidden_md hidden_lg” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][/bt_bb_column_inner][bt_bb_column_inner width=”1/3″ align=”center” vertical_align=”top” animation=”no_animation” background_image=”” inner_background_image=”” lazy_load=”no” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” shape=”” inner_color_scheme=””][bt_bb_separator top_spacing=”” bottom_spacing=”normal” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”hidden_md hidden_lg” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][/bt_bb_column_inner][bt_bb_column_inner width=”1/3″ align=”center” vertical_align=”top” animation=”no_animation” background_image=”” inner_background_image=”” lazy_load=”no” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” shape=”” inner_color_scheme=””][/bt_bb_column_inner][/bt_bb_row_inner][bt_bb_separator top_spacing=”” bottom_spacing=”large” text=”” border_style=”none” border_color=”none” border_width=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=””][/bt_bb_separator][/bt_bb_column][bt_bb_column width=”1/12″][/bt_bb_column][bt_bb_column lazy_load=”yes” width=”5/12″ align=”center” vertical_align=”top” animation=”fade_in” background_image=”” inner_background_image=”” color_scheme=”” background_color=”” inner_background_color=”” opacity=”” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” padding=”normal” shape=”” inner_color_scheme=””][bt_bb_image lazy_load=”no” image=”1619″ size=”boldthemes_large_vertical_rectangle” image_height=”” align=”inherit” caption=”” url=”” target=”_self” hover_style=”simple” content_display=”always” content_background_color=”” content_background_opacity=”” content_align=”middle” responsive=”” publish_datetime=”” expiry_datetime=”” el_id=”” el_class=”” el_style=”” shadow=”” shape=”square”][/bt_bb_image][/bt_bb_column][/bt_bb_row][/bt_bb_section]
