At Legacy, we bring everything together under one roof; your goals, your questions, and most importantly your future. We’re more than just financial planning; we’re your complete wealth partner. From personalized investment strategies and retirement planning to insurance, estate coordination, and real-time support, we provide a seamless experience with one trusted team. No more bouncing between firms or chasing answers. We believe that your strategy should be just as integrated as your life, and that’s exactly what we deliver, exceptional service and smart strategy, all in one place.
We employ a holistic approach to each client's unique situation. We look at debt, income, assets, and many other factors to determine if it is reasonable for the client to achieve their goals. We try to uncover any future expenses and use E-Money software to explore “what if” options so that the client can achieve a high degree of certainty that they will reach their goals.
We do our best to look at the future and quantify the future needs of every client to deploy a plan that allows them to achieve their goals using the least amount of risk possible.
We believe that it just isn’t what you make, but what you keep! Once we have determined the apporpriate risk profile for you and your family, we actively manage the accounts using our full-time portfolio manager here at Legacy. We believe in rebalancing at least annually and find opportunities to take tax losses when the market gives us the opportunity.
Our investment committee meets often to monitor each portfolio and will make changes when we feel that conditions warrant it. By having an asset-based fee structure, the changes that we make are to preserve or grow the account value. No fees are generated by any trades we make.
We believe that it is never too early to plan for that “work optional” stage of life. Many people come to us a few years away and want us to verify that they have saved appropriately, while others start the planning process much earlier. We use software that can stress test the portfolio and saving rate using Monte Carlo Scenarios; which look at 30 segments of the S&P 500 to predict the probability of a successful retirement.
We also provide advice as to which vehicles to use to save for retirement based on your needs and goals. Many people stick to one way of saving for retirement only to realize that there might have been a better way to save.
While we do not provide legal advice, we certainly can help you understand the different options to provide a simple transition for your Estate. We have local Attorneys who will partner with us to provide you an Estate Plan that meets your family's needs.
We love to assist clients put together a plan that totally avoids probate and provide the client’s family with a very simple process to transition assets to the next generation.
Whether you’re just starting out, growing your family, building a business, or planning for retirement, we’re here to guide you at every step. Life doesn’t follow a straight path—and neither should your financial plan. That’s why we offer flexible, personalized solutions tailored to your unique journey. From budgeting and saving to investing, legacy planning, and everything in between, our team helps you stay prepared, confident, and in control—no matter what life brings next.
Many clients want to understand the options of giving their children a head start, either in college or just in life in general. We understand the Virginia 529 education savings plans and can also provide alternative ways to save for college and the future.
We have tools that can help predict the future cost of education and can even get a quote from a specific college using your child's specific age.
We believe in the Fiduciary model and try to apply this to our personal insurance through Legacy Insurance. We have an in-house team that reviews homeowners, auto and other personal lines of insurance to make sure that you have the appropriate coverage with the right provider. We can “shop” your insurance with over 15 carriers and make sure that your appropriate coverage is properly priced.
If we believe that current coverage is better priced than what we can provide and your coverages are appropriate, we will tell you stay with yoru current carrier. We believe that doing what is in your best interest is the right thing to do.
We believe that it is never too early to plan for that "work optional" stage of life. Many people come to us a few years away and want us to verify that they have saved appropriately, while others start the planning process much earlier. We use software that can stress test the portfolio and saving rate using Monte Carlo Scenarios; which look at 30 segments of the S&P 500 to predict the probability of a successful retirement.
We also provide advice as to which vehicles to use to save for retirement based on your needs and goals. Many people stick to one way of saving for retirement only to realize that there might have been a better way to save.
By having an in-house tax preparation service, we feel that we can help simplify our clients' lives. We offer this service at a reduced market rate and will also try to provide areas where our clients can save money in the future.
We review former tax returns and verify that they are correct. We can also assist in filing amended returns if appropriate and help project future tax liability. We do try to simplify the process for our clients.
At Legacy, we pride ourselves on offering true white glove service, something you won't find at most large financial firms. While big corporations often outsource their back office overseas and route clients through automated phone systems, every single piece of support you receive comes directly from a Legacy team member who knows your situation and cares about your experience. We don't believe in passing clients off or making them jump through hoops, we believe in removing every barrier to your security, and make the process as smooth and personal as possible. You get real people, real support, and a relationship you can count on.
