Legacy Retirement Advisors, LPL Financial



At Legacy Retirement Advisors, we believe in holistic financial planning. We are dedicated to helping our clients develop a comprehensive financial plan that works with their lifestyle and can adapt for future life changes. It's important to see the "Big Picture" when looking at your investment needs. We offer Advice for Life.

Advice for Life is a process—a journey, really—that you and our team, as your financial guides, will undertake together. By helping you articulate your aspirations, we are better able to understand where you want to be and develop a road map to help you get there. Whatever your hopes for the future, the only way to achieve the vision of how you'll spend the years ahead is to commit to a plan that can take you there.
 
But it doesn't stop there. Advice for Life is an ongoing process. Over the course of your lifetime, your dreams, goals, and circumstances can change. Through life's ups and downs, we'll be there to provide guidance, monitor your progress, and help keep your plan in sync with your dreams.


Specialties

• Personal Financial Planning   

• Income Planning

• IRA Plans and Rollovers

• Investment Portfolio Management and Analysis

• Business Planning

• Tax Strategies

• Risk Management Solutions

• Long-Term Care & Caring for Elders

• Estate Planning & Trust Services

• Charitable Giving

• Insurance & Health Services

 

Please contact our office today to schedule your

complimentary consultation. 

805-226-0445
Calculators

Taxable Equivalent Yield

Calculate the rate of return you would have to receive from a taxable investment to realize an equivalent tax-exempt yield.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Savings Accumulation

Estimate the future value of your current savings.

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

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Newsletters

Help Keep Your Estate Out of Probate

Anyone who has seen an estate go through probate knows that it's the legal equivalent of having a tooth pulled. But just like tooth decay, probate may not be entirely avoidable.

Insurance for Two Could Benefit Your Heirs

Survivorship life insurance offers a way to help a couple's heirs pay estate taxes, probate costs, and other final expenses — and could be especially important after 2012 when the federal estate tax is scheduled to be significantly higher. Even if the estate tax doesn't apply to an estate, the insurance proceeds could benefit heirs or a favorite charity.

Using a Variable Annuity for Guaranteed Income

One recommendation from the White House Task Force on Middle Class Working Families was for retirees to consider purchasing annuities to help provide a stable income. Investors who want their retirement portfolios to go the distance might want to learn more about variable annuities.

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

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