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Our Services

We take a planning approach to all aspects of the advice and service we provide. Together we will help you get financially organized; bring clarity and confidence to your financial life; help you make and execute the investment and financial decisions needed to live the life you want on your terms.

Financial Planning: The Core of What We Do

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Cash Flow & Income Management

We guide you to make more educated decision to help maximize your cash flow and efficiently utilize pre-tax or after-tax monies both pre and post retirement. Advise on short and long-term debt elimination, budgeting, employee benefits, and social security benefit and pension decisions.

Services: Cash Flow • Budgeting • Income Distribution

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Goal Funding & Life Transitions

Are you on the right track, or are adjustments needed to meet your goal?

All financial goals need a strategy; college funding, housing decisions, starting a business, retirement. We will determine appropriate investments and strategies with your goals in mind.

As life transitions happen; marriage, children, career changes, divorce, caring for elderly parent, health events, death of a spouse. We will be there as a financial resource to adjust strategies and establish new goals.

Services: Divorce Planning • College Planning (529 Plans1, UTMAs)

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Risk Management

There are many unknowns within a financial plan. Possible areas of risk include inflation, health care, investment returns, longevity, and premature death or disability. We help with insurance planning strategies to determine how much risk can be absorbed and how to manage risk through insurance or investment allocation.

Services: Quality Exposure to Risks • Asset Collection3 • Asset Preservation • Risk Management/Review Coverage • Life Insurance • Health Insurance • Long-Term Care Insurance • Medicare Supplements • Disability Insurance • Discuss & Explore Long-Term Care Risks

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Investment Management & Allocation

Investment management services include investment selection, monitoring of existing investments, portfolio strategy and implementation. Proper investment allocation is one of the tools we use to manage risk while targeting an acceptable return. Risk comes in many forms including loss of principal, loss of earning power (inflation), and liquidity risk. (Asset Allocation does not guarantee a profit or protect against a loss in a declining market. It is a method used to help manage investment risk.)

Services: Review Investment Strategy • Brokerage Accounts

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Tax Planning

We are tax planners, but we do not prepare tax returns. We not only focus on your tax bill this year, but we look to manage your tax situation in the future. With ever changing tax laws, we discuss and plan for how these changes impact your tax situation through a tax management review and building a tax efficient portfolio.

Services: Roth Conversion • Backdoor Roth IRA • Tax Management Strategies • Manage Capital Gains

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Retirement Planning

Retirement is one of the most important life events you’ll experience, and getting it right takes planning.

Services: 401(k) Rollover • Pension Analysis • Retirement Forecast • Company 401(k) • Solo 401(k) • SEP IRAs • Simple IRAs • Traditional IRAs • Roth IRAs

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Estate Planning

Legacy is not a law firm and we do not prepare legal documents. We do the planning and educational work required to get you ready to see your lawyer. Estate planning is quite simple in concept – how to get your assets where you want them to go.

Services: Legacy Building2 • Review of Wills2 • Review of Trusts2 • Review of Beneficiaries2 • Charitable Giving2

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Insurance Services

LFG Insurance Services competitively shops your coverage needs across some of the best carriers in the market. We appreciate the opportunity to service your insurance needs and will respect the premium you pay for coverage and do our best to provide value. Our process starts by conducting an insurance review to work through coverage options and make recommendations to eliminate gaps in coverage.

Services: Auto, Home, Commercial, Life

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Divorce Planning

At Legacy Financial Group, we take a proactive planning approach to help you think through your lifestyle and budgeting to gain a better understanding of your financial situation before and after divorce. A Certified Divorce Financial Analyst, CDFA® can help provide support for you and your lawyer and help you understand how the financial decisions made today may impact your financial future.

Our Process: How We Work With You

A solid customized financial plan is a powerful possession that offers a sense of confidence. Our process allows us to determine appropriate strategies and adjust when circumstances change to help you understand how to achieve your goals and live your dreams.

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Understanding Your Situation

The first step is gathering data so we understand your situation. The more information you provide, the better we can tailor our initial meeting. You’ll receive a Confidential Data Form prior to meeting with you so we can it the ground running.

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Identifying Your Goals

We will determine what your short and long-term goals are and what is important to you and your family.

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Analyzing Your Information

We analyze your financial information to determine what changes could be helpful in moving you toward your goals and objectives.

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Developing Your Plan

Once we have analyzed your financial situations, we establish a plan and make recommendations to help you accomplish your goals and objectives.

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Presenting the Plan

We will use our tools and your information to develop a solid plan demonstrating how to take you from your current situation through your retirement and beyond.

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Implementing the Plan

After agreeing on strategies, we will move forward with implementing the plan.

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Monitoring the Plan

Monitoring your financial situation is an ongoing process that involves input from both parties. We meet with clients as often as needed in an effort to make sure that their plan remains on track.

A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional. Non-qualifying distribution earnings prior to 2024 are taxable and subject to a 10% tax penalty. Beginning in 2024, unused 529 plan funds may be rolled into a Roth IRA assuming the following conditions are met: 1must have owned the 529 plan for 15 years, 2can only convert funds that have been in the 529 plan for at least 5 years, 3rollover amount cannot exceed $35,000 and 4rollovers must be made to a beneficiaries Roth IRA. Converting an employer plan account or Traditional IRA to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences including but not limited to, a need for additional tax withholding or estimated tax payments, the loss of certain tax deductions and credits, and higher taxes on Social Security benefits and higher Medicare premiums. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.