Legacy Financial Advisors LLC provides customized, competent, conflict free financial services.

Comprehensive Financial Planning- This service results in a complete financial plan covering all areas in a co-ordinated fashion. Planning by definition anticipates future circumstances that are not completely certain. As time passes, the validity of circumstances and assumptions may require adjustments.

Goal Oriented Planning- This type of planning is appropriate for those who are concerned with achieving a particular goal.

We also offer the following services:

College Planning- This includes both investing for college and financing college costs
 
Retirement Planning - Planning for retirement based on an expense level as well as assumptions regarding portfolio rates of return and inflation. This type of planning integrates financial planning as well as portfolio construction and asset allocation. We are willing to maintain your original investments if they are satisfactory and integrate them into your entire portfolio.  We also construct income streams from your assets designed to meet your goals.  This is one of our specialty areas.
 
Estate Planning - This planning provides for the vehicles you need to achieve your goals highlighting beneficiary designations and co-ordination of assets to meet your objectivess.

Insurance Analysis - Do you have enough life insurance to meet your needs? What about disability insurance and long-term care? Do you have the P&C coverage that you need? We can provide answers and have national sources available only to fee-only planners.  Many times we are able to provide coverage at a lower cost with a higher rated company that more then pays your fee.  Remember to ask for Weiss ratings.

Retirement Plan Distributions How you co-ordinate and take your retirement plan distributions can significantly impact your tax bill as well as your retirement security.  Beneficiary designations can make a world of difference. Explore your alternatives before you make your decisions.

Selection and Start Up Of Retirement Plans For Business Owners

Income Tax Planning - Usually done as part on a plan or ongoing planning, LFA concentrates in tax efficient investing which includes tax loss harvesting, conversions to Roth IRAs, integrating social security benefits and other opportunities.  Use the tax laws to benfit you.

Budgeting and Cash Flow Management - This service examines your cash flow so that you can see where you need to cut spending and where you may need to increase spending to reach your goals. Attention to tax ramifications usually help save funds.

Investment Advisory Services - This pertains to the construction of portfolios that highlight long term performance, cost and tax efficiency.  Rather than using model portfolios that require the sale of anything that is not in the portfolio, LFA attempts to keep as much of your current investments as possible.

Execution of Financial Plans as Needed

Periodic Reviews

Second Opinions 

Money Management - Not currently available to Legacy clients.  However LFA plans to offer these services as well as offering DFA (Dimensional Fund Advisors) funds to individual clients.  DFA Funds are based on Eugene Fama's and Ken French's research as well as their statistical validation of their research.  This is indexing "with a twist", emphasizing small cap and value stocks. 
 

Business Financial Planning and Modeling

Customized Projects

Annual Reviews and Portfolio Rebalancing

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