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

When Key Players Can't Work

If a company is a two-owner business or its success relies on a few key players, key-person life or disability insurance could possibly offset the risk that the premature disability or death of a major contributor could ruin its future prospects.

Fixed for Life

More than 40% of Americans ages 36 and older are at risk of running out of money in retirement, according to a retirement readiness study. In fact, almost one-third of people with upper-middle incomes and 13% with high incomes may not be able to pay for basic retirement expenses and uninsured health-care costs after two decades in retirement.

Exchange-Traded Funds: In a Class by Themselves

In 2010, the combined assets of the nation's ETFs topped more than $800 billion. ETFs are unique investments that share some similarities with mutual funds but trade like stocks. ETFs have some appealing characteristics, including trading flexibility, potentially lower expense ratios, tax efficiency, and diversification.

Managing Cash When Interest Rates Are Low

It's generally a good idea to keep three to six months of income in an emergency fund, but where should cash be kept when interest rates are low? This article discusses the advantages and disadvantages of savings accounts, certificates of deposit, and money market funds.

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