Financial Planning

John Fawaz

Investment services now available through John Fawaz, CFP® of LPL Financial.

UBank of Jellico is proud to partner with John Fawaz, CFP®, a representative of LPL Financial. LPL provides access to a wide variety of investment products and professional advice for financial institutions and their clients throughout the United States.

John Fawaz has been working as a Certified Financial Planner™ (CFP®) for over 20 years. Along with holding the trusted CFP® title, John is the past president of the East TN Financial Planning Association and is a six-year member of the Million Dollar Round Table. In 2011, he qualified for the prestigious Court of the Table*.

John welcomes all types of new clients, but he specializes in retirement income strategies and improving the rates of return on investments.

If you are looking to diversify your investment portfolio, some of the products that you will have access to as a result of Bank’s alliance with LPL Financial are: retirement planning, college savings plans, life insurance, fixed income securities, equities (individual securities), REITS, mutual funds, fixed and variable annuities, and wealth management. John will work with you to find strategies for your unique financial situation.

Whether your objective is growth, safety or income, UBank of Jellico and LPL Financial are committed to helping you reach your goals. Take a few moments to speak with John to learn more. Investment decisions do not have to be difficult or intimidating. Let him show you how easy, convenient and rewarding investing can be.

*Qualification based on production requirement for members of the Million Dollar Round Table. LPL Financial and the Million Dollar Round Table are independent entities.

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured deposits and are not FDIC insured. These products are not obligations of UBank of Jellico and are not endorsed, recommended or guaranteed by UBank of Jellico or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed and loss of principal is possible.

LPL Financial and UBank of Jellico are non-affiliated entities.

*Financial Partners of TN are not FDIC insured.



Alternative Investments

For qualified investors, alternative investments offer a number of investment options that can diversify a portfolio by investing in areas of the market with a low correlation to more traditional investments.

Options include:

~Hedge Funds                                          ~Hedge Funds-of-Funds

~Private Equity Funds                             ~Exchange Funds

~Managed Futures Funds                         ~Real Estate

Alternative investments may not be suitable for all investors and should be considered as an investment for risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.



LPL Financial offers a wide range of annuities, including:

~Fixed                                 ~Immediate Income

~Variable                            ~Index

John conducts continual due diligence on a wide array of products from the industry’s leading annuity providers.


Third-Party Managers

In addition to annuity products, LPL Financial has many investment products, featuring options such as:

~No-load mutual funds                            ~Load-waived mutual funds

~Separately managed accounts               ~Exchange traded funds

~Closed-end funds


Retirement Solutions

LPL Financial grants clients access to retirement plan providers that service all types of plans. John places emphasis on reducing plan costs, educating employees, monitoring investment performance, and helping manage fiduciary responsibility. Types of plans include, but are not limited to:

~Money Purchase Pension                        ~457 Deferred Compensation

~403(b)(7) Deferred                                 ~Simple IRA / SEP IRA



-Traditional 401(k) / Safe Harbor 401(k) / Simple 401(k)

Investing Involves risk, including possible loss of principal.

Securities offered through LPL Financial and its affiliates. Member FINRA/SIPC

Insurance Products offered through LPL Financial or its licensed affiliates