L & M Financial Services

★★★★☆
  • 3820 Sheridan Dr

    Amherst, NY 14226

    Map & Directions
  • 716-839-1234

About L & M Financial Services

Hours
Mon. - Fri. 9am - 5pm;Sat. - Sun. CLOSED

Insurance

Insurance
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With retirement fast approaching , I recently met with financial advisors from five local firms. I eventually chose the rep from L&M because he seemed to be the most knowledgeable, professional, and unbiased of the five.The first two people I met with turned out to be "agents" of big insurance companies, one guy I met with wanted to charge both fees for his advice, and commissions on the products he "recommends", and the other "advisor" was obviously clueless about my benefits and pension as a government employee. The L&M rep had thousands of mutual funds to choose from, as well as all the big insurance company's products (even those offered by the first two "insurance agents" I had met with).I liked the fact that L&M is a local, family owned business, and was pleased to learn that my new L&M broker actually has a degree in Federal employee benefits. I suggest you save the time, and call L&M first.

5
★★★★★

With retirement fast approaching , I recently met with financial advisors from five local firms. I eventually chose the rep from L&M because he seemed to be the most knowledgeable, professional, and unbiased of the five.The first two people I met with turned out to be "agents" of big insurance companies, one guy I met with wanted to charge both fees for his advice, and commissions on the products he "recommends", and the other "advisor" was obviously clueless about my benefits and pension as a government employee. The L&M rep had thousands of mutual funds to choose from, as well as all the big insurance company's products (even those offered by the first two "insurance agents" I had met with).I liked the fact that L&M is a local, family owned business, and was pleased to learn that my new L&M broker actually has a degree in Federal employee benefits. I suggest you save the time, and call L&M first.

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L&M Financial has always been there to help my family with the difficult financial decisions we've made. 25 years ago, I purchased disability insurance from them. At one point,we surely would have lost our home if it wasn't for the income from that policy. They also convinced my brother to finally buy the life insurance he'd been putting off getting(his health has since declined, and he is now UN-INSURABLE).They've done a great job managing all our IRAs, and the rollover from my pension, and I would strongly recommend them to anyone

5
★★★★★

L&M Financial has always been there to help my family with the difficult financial decisions we've made. 25 years ago, I purchased disability insurance from them. At one point,we surely would have lost our home if it wasn't for the income from that policy. They also convinced my brother to finally buy the life insurance he'd been putting off getting(his health has since declined, and he is now UN-INSURABLE).They've done a great job managing all our IRAs, and the rollover from my pension, and I would strongly recommend them to anyone

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I utilized this company for a few years with very poor results. They are a financial planning company that is just there to make money for them, not you. They shuffle your money around more than necessary and charge a fee every time it moves. The charts they provide as summaries are not clear and very hard to read. When asking for clarification the employees have a hard time reading them and explaining them. The fees are also on the pricier side.

PROS: None
CONS: Service and Price

1
★☆☆☆☆

I utilized this company for a few years with very poor results. They are a financial planning company that is just there to make money for them, not you. They shuffle your money around more than necessary and charge a fee every time it moves. The charts they provide as summaries are not clear and very hard to read. When asking for clarification the employees have a hard time reading them and explaining them. The fees are also on the pricier side.

PROS: None
CONS: Service and Price

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