Financial Planning: The Core of What We Do

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.

Cash Flow & Income Management

We help you make more educated decisions to maximize your cash flow and efficiently utilize pretax 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.

Goal Funding and Life Transitions

Are you on the right track, or are adjustments are 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 spouse. We will be there as a financial resource to adjust strategies and establishing new goals.

Risk Management

There are many unknowns that make up 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.

Investment Management and 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.)

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.

Retirement Planning

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

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. What are your wishes with the least amount of fees and taxation?

Our Process: How We Do It

We have a financial planning process that helps us provide customized services for each client. The process is ongoing to help ensure the plan stays on track and can adjust when circumstances change.


Getting to Know You:
The first step is gathering data so we understand your situation. The more information you provide, the better we can tailor our initial meeting. We typically send a Confidential Data Form prior to meeting with you so we can hit the ground running.


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


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


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


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


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 make sure that their plan remains on track.

We work for you.