Welcome to LEGACY Investments & Insurance Services, our company provides professional money management and financial planning services to help our clients achieve their personal and financial goals.  We specialize in retirement income planning.

As independent investment advisors, we serve as our clients' personal advocate.  We help you map out a plan to reach your financial destination. As your personal financial advisor, we can:

  •        Help you identify your personal and financial goals (your destination).
  •        Recommend solutions tailored to your specific needs (your roadmap).
  •        Explain how and when to make adjustments to your financial plan 
           (roadside assistance).

On our Web site, you'll find valuable information to help you evaluate your current financial situation.  We offer educational articles that outline financial concepts and highlight products designed to help you reach your goals.  You will also find calculators that will help you assess your current and future financial strategy.

If you have any questions or want to schedule a complimentary meeting to discuss your specific questions, please call us today.
Calculators

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

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Newsletters

Bring Your Life Insurance Home From Work

Only 44% of American households have individual life insurance, a 50-year low. Many workers have life insurance as an employee benefit, however relying on a group policy could mean that coverage ends should a worker's job situation change. This article examines the benefits of term individual insurance and permanent life insurance.

Keeping Pace with Social Security

In 2012, Social Security beneficiaries will receive a 3.6% cost of living increase for the first time in three years. But a recent study suggests that benefits are lagging far behind real expenses. This article explains how Social Security benefits are indexed and what older workers and retirees might expect from the program in the future.

Deciding When to Begin

Waiting until full retirement age (or up to age 70) to claim Social Security may result in significantly higher monthly benefits. At age 62, the earliest age to claim Social Security, the amount received could be only 70% of the benefit received at "full retirement age" (which ranges from age 65 to 67 depending on year of birth).

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

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