VETTED

Andy Lyford

Q: What is your experience? How many clients do you currently manage?

I have been an Independent Financial Advisor since 1992. 100 clients.

Q: What is your approach to financial planning?

I am a fee based financial advisor.

Tel: 303-632-8692 2055 S Oneida St Suite 208 Denver, CO 80224

About Andy Lyford

Andy Lyford is a Fourth Generation Denver Native. He graduated from Denver East High School and attended Trinity College in Hartford, CT, where he received his BA. Andy has spent his entire professional career as a Financial Advisor; a span of over 27 years. He has been affiliated with LPL Financial since 1997 and established Charlton Investment Services in 2000. Andy offers a full range of financial products from traditional (stocks, bonds, mutual funds, etc.) to alternatives (Hedge funds, Private Debt/Private Equity, Managed Futures, etc.). He has been married for 23 years and is the proud father of Grace,11, Sydney Dog, 7 and Molly Cat, 9. Andy's Series 6, 7, 24 and 63 held with LPL Financial.

About Charlton Investment Services, Inc.

At Charlton Investment Services we work hard to create one-on-one, long -term relationships focusing on all of our client's financial needs. Our Team approach to investment advice centers around your particular financial hopes and dreams. We know how critical aspirations such as sending your child to the right school, providing for a comfortable retirement, and financial independence late in life are to creating Financial Confidence.

See Disclosures

General Information

Firm Start Year:

2000

No. of Employees:

2-4 Employees

Name of Broker/Dealer:

LPL Financial

States Licensed in:

CO, CA, NV, MA, KS, OR, WA

Communities served:

Arvada, Aurora, Bennett, Brighton, Broomfield, Castle Rock, Commerce City, Conifer, Denver, Englewood, Golden, Littleton, Lone Tree, Louisville, Morrison, Parker, Watkins, Westminster, Wheat Ridge

Number of Years with Current Firm:

Work Experience:

I have been an Independent Financial Advisor since 1992.

Work with the following types of clients:

Individual Investors, Businesses, Investment Clubs, Non-Profit Organizations

Advisory Services Provided:

Financial Planning for Individuals

Qualifications & Memberships

Insurance and Annuity Licenses:

Variable Life, Long Term Care, Annuity, Life, Variable Annuity

Services

Investment Types:

Mutual Funds, FOREX & Currency, Options & Futures, Bonds, Stocks, Annuities, Insurance, Commodities, Exchange Traded Funds (ETFs), Alternative Investments, Socially Responsible Investments (SRI)

Can meet clients in the following ways:

Your Office, Video Conference, Your Home, Our Office, Phone, Email

Compensation and Fees

Fee Structure:

Fee-Based

Minimum Portfolio Size for New Managed Accounts:

$150,000

Compensation Methods:

Based on Assets

Firm Information

Advisor's Number of Clients:

100

Advisor's Number of Managed Clients:

Advisor's Number of Planning Clients:

Preferred meeting methods

I provide a free initial consultation:

Yes

Education

Bachelor of Arts - English Literature:

Trinity College - Hartford, CT

1988 - 1992

Financial Planning for Individuals

I construct personalized investment portfolios for each of my clients. Education and understanding risk tolerance is key to success in any investment plan. My clients and I forge an ongoing partnership based on communication which allows for clarity in establishing and working toward life's financial goals.

What is your experience? How many clients do you currently manage?

What is your approach to financial planning?

Disclosures

WiserAdvisor provides referrals to financial professionals of LPL Financial, LLC (LPL). WiserAdvisor is not a current client of LPL for brokerage or advisory services. Financial professionals of LPL pay WiserAdvisor cash compensation for these referrals, which creates the incentive for WiserAdvisor to make these referrals, resulting in a conflict of interest.

LPL ADV 2A

https://www.lpl.com/content/dam/edam/format/disclosure/a58.pdf

Additional Detailed Disclosures

https://www.lpl.com/content/dam/edam/format/disclosure/wiseradvisor-lpl-detailed-disclosures.pdf

Disclaimer

Andy Lyford is a Registered Representative with and securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC (www.finra.org; www.sipc.org).LPL Financial is not affiliated with WiserAdvisor.com.

33 Years of Experience

CRD# 2277831 Firm CRD# 6413Series: 63, 6, 7, 24

Compliance

Registered Investment AdvisorYes

Investment Advisor RepresentativeYes

Compliance Disclosures in Last 5 yearsI have a clean record

Criminal Disclosures in Last 5 yearsI have a clean record

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