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Areas of Specialties and Services:

Comprehensive Financial Planning

At Legacy One, we feel it is crucial that we learn about and understand all aspects of our clients financial picture. While it is not required that you share every detail, it is helpful for us to gain a better understanding of who you are and where you want to be. We will walk through a detailed map of your current plan and show you what will be required to get to your desired destination. This requires cooperation from you, in sharing the details of your life and or your goals for success for making your dreams a reality. The investments we choose for your plan are just one small piece of the puzzle. Your investment strategy should also take into account and complement your tax strategies, retirement income plan, legacy and charitable giving, longevity risk and education planning, should you have that need. By working with you on a holistic and comprehensive map, we ensure that all of your individual strategies work together to complement your plan. We use, and provide you with self-driven tools to access and monitor your stated goals.

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Retirement Planning

It is never too early to set up a plan for your retirement. The accumulation of assets now will help ensure that you generate a desired income during your retirement years. It is our job here to help you determine which retirement plan is best suited for your tax situation and goals, and help you develop a roadmap based on real numbers and projections.
We offer the following individual retirement investment vehicles and strategies:

  • Traditional IRAs
  • Roth IRAs
  • Tax Sheltered Annuities
  • Life Insurance Retirement Plans
  • IRA Rollovers & IRA consolidations
  • Roth Conversions

We offer the following business retirement planning for established professionals and business owners:

  • SEP IRAs
  • Owner Ks
  • 401(k), 403(b), Profit Sharing and Defined Benefit Plans

Living in Retirement and Income Planning

If you are through the planning years and already retired, or close to it, we are here to ensure that you have the best plan in place for drawing from your assets, while preserving principal and making sure your money will last your lifetime. We will work together with you on your income distribution plan and ensure your Required Distributions are taken from your retirement assets on time.

Major Life Transition Planning

Sudden or planned, transition can be hard. Examples of transition may include:

  • New career or job change
  • New baby
  • Death in the family
  • Moving to a new city/state
  • Inheritance
  • Divorce
  • Retirement

Legacy and Estate Planning

Many of us share in the desire to build something that will last beyond our own lifetimes…to leave something to our families and organizations we care about after we have passed. How you manage your assets now, will greatly impact what you will be able to leave behind to your heirs. Legacy One will work closely with your legal and tax advisors to help you successfully navigate complicated estate and tax laws and to develop a plan to reach your desired outcome for your hard-earned wealth. Together, we’ll work to help you preserve the wealth you intend to leave behind, which will add tremendous value to the lives of your family, friends and any organizations you may support, long after you are gone.

This can often be a complicated decision, depending on the scope of your family situation or breadth of charities you support. Having the right team in place to map out your plan is critical to a successful distribution of your assets.

Investment Portfolio and Asset Management

Where do you want to be financially and what are the right investment options to put you on the growth path to get there? These are different for everyone! We know that each individual has unique goals, a different tolerance for risk, and specific timelines for getting to their financial destination. This means each investment plan we set up must be different, and it’s our job to know you as our client to advise on proper investments. While we make recommendations based on your risk and ongoing research, you ultimately make the decisions as to how you invest. We execute the plan based on your wishes. We will monitor your investments and make adjustment recommendations when we need to, to help keep your growth plan on track. It is our wish that we meet with you at least once per year to discuss your investments and performance.

Risk Management

We want to know how comfortable you are with volatility and will ask you this every time we meet. How comfortable are you with the value of your portfolio going up or down? This is a big question in determining how we help you position your portfolio. As your life stages change, your tolerance for risk may change with it. We want to know that.


At Legacy One, we understand that the success of your retirement depends on the amount you save, not on your rate of return. A unique cash accumulating life insurance policy using leverage offers an opportunity to earn interest and eliminate the risk of market declines, while providing you and your family protection. The policy secures the loan, providing you the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. 

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Life Insurance, Long-Term Care, and Disability Insurance Planning

No one can eliminate certain risks to our lives or health, but we can position our portfolios and insurance policies to protect ourselves, and our families, should the unforeseen occur. Life, long-term care, and disability insurances are critically important considerations in your overall financial strategy. At Legacy One Financial, we have seen first hand the importance of having these plans in place and we will work with you to help you build a strong defense around your finances. Having a strong comprehensive plan in place when all is well will help you live with peace of mind.

Tax Oversight Planning

Income taxes, as well as a variety of other taxes such as estate, gift, and sales tax, can greatly affect your wealth. Your financial plan should positively position your assets to reduce your tax liabilities. Legacy One Financial will help you select and administer tax-effective strategies to benefit your overall plan.

Education Planning

Education costs are going up annually, and it’s getting harder to find an affordable education. Whether you’re trying to pay for a dependents education now or planning ahead to provide the gift of higher education to your young children, we can help. Our goal is to put you in a position of funding tuition expenses without negatively affecting your own retirement goals. Because we are an independent firm, we are free to offer the best education savings plans and investment options for you, including:

  • 529 Plans
  • Coverdell Education Savings Accounts
  • Uniform Gifts to Minors Act (UGMAs)
  • Uniform Transfers to Minors Act (UTMAs)

At Legacy One Financial we specialize in helping our clients develop sound retirement and investment strategies. If you are retired, or approaching retirement, please take the time to explore our website and the information we have provided. We offer personalized, hands-on service, while educating you about financial concepts and products. We take a holistic approach in helping you understand investing, insurance, estate conservation, and how to preserve your wealth. We are here for you! 



Common Stock

Mutual Funds

Unit Investment Trusts

Money Market

Certificates of Deposits

Variable Annuities

Fixed Annuities

Immediate Annuities

and more

    Financial Planning

    Brokerage Accounts

    Traditional IRA

    Roth IRA


    Simple IRA

    Owner-Only (k)

    401(k) Plans

    Profit Sharing Plans

    College Plans

    Estate Plans


    Life Insurance

    Long-Term-Care Insurance

    Disability Income Insurance

    For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.  |   (805) 330-9680