Ongoing Wealth Management

“I wish I could just call one person who understands my entire financial picture.”

If you’ve ever had that thought, our Ongoing Wealth Management service may be exactly what you’re looking for.

This relationship is designed for retirees and individuals approaching retirement who want more than cookie-cutter advice. You want a financial planner who takes the time to understand your goals, values, priorities, and concerns, then creates a personalized financial plan while professionally managing your investments.

At The Legend Group, we believe every part of your financial life should work together. Rather than focusing on just one piece of the puzzle, we integrate all areas of your finances into a coordinated strategy. We help you navigate the complexities of retirement and wealth management with guidance tailored to where you are today and where you want to go tomorrow.

Together, we’ll create a comprehensive financial plan and wealth management strategy that evolves as your life changes and your goals develop.

Areas of Ongoing Support Include:

Retirement income planning and portfolio withdrawal strategies
Roth conversion analysis and tax-efficient planning
Social Security and pension claiming decision anlysis
Investment account consolidation and ongoing portfolio management
Coordination with your CPA, attorney, and other trusted professionals
Insurance reviews, estate planning document reviews, and beneficiary updates
Charitable giving and philanthropic planning strategies
Legacy and wealth transfer planning
Continuity and care planning if the household financial decision-maker becomes unable to manage finances

Our Commitment to You

Our goal is to help simplify your financial life by serving as your primary financial resource and advocate. With ongoing guidance, proactive planning, and personalized investment management, you’ll have one advisor helping you make informed decisions and stay on track toward your long-term financial goals.

Comprehensive planning. Personalized advice. Professional investment management. All working together to help you pursue the retirement and future you envision.

What Does Financial Planning & Wealth Management Include?

Our financial planning and wealth management services help clients navigate their unique family’s situation. Our services cover every aspect of your financial life:

RETIREMENT PLANNING: Facilitating the lifestyle you want
INVESTMENT MANAGEMENT: Balancing risk and reward in your portfolio
TAX PLANNING: Minimizing your tax liability as much as possible
ESTATE PLANNING: Designating heirs, guardians, and other beneficiaries
INSURANCE PLANNING: Making sure you have the appropriate amount of coverage
CHARITABLE GIVING: Incorporating charitable donations into your financial plan
BUDGETING: Supporting your current and long-term financial stability
LONG-TERM SAVINGS (e.g., college fund): Creating a feasible plan to reach your goal
AND MORE. We customize every plan and support to what’s happening in your life

Enjoy the confidence that comes from knowing your financial life is organized and your future is planned for, whether you’re changing careers, growing your family, caring for aging parents, purchasing a home, or preparing for retirement.

^{Your Roadmap to Financial independence}What Does Financial Planning & Wealth Management Look Like?

Wondering what it’s like to work with us? Our process is designed to help you gain clarity, confidence, and a clear path toward your financial goals. Here’s what you can expect:

Step 1: Complimentary Discovery Meeting

We begin with a conversation about you. We’ll discuss your goals, concerns, priorities, and what you hope to accomplish through financial planning. This is an opportunity to determine whether we’re a good fit and answer any questions you may have.

Step 2: Become a Client

If you decide to move forward, we’ll review and sign the advisory agreement and begin building the foundation for your financial plan and wealth management strategy.

Step 3: Onboarding & Information Gathering

To develop meaningful recommendations, we need a complete picture of your financial life. We’ll provide a simple checklist and help you gather important documents, including account statements, tax returns, income information, insurance policies, and estate planning documents.

Step 4: Investment Strategy Review

We’ll discuss your current investments, risk tolerance, time horizon, and financial objectives. Together, we’ll design an investment strategy aligned with your goals and ensure you understand the recommendations and rationale behind them.

Step 5: Risk Management & Insurance Review

Protecting your financial future is just as important as growing your wealth. We’ll evaluate your existing insurance coverage and discuss options to help safeguard your family, income, assets, and long-term goals.

Step 6: Financial Independence Planning

We help you define what financial independence means to you and develop a personalized roadmap to get there. This includes retirement planning, cash flow management, savings strategies, and identifying opportunities to improve your overall financial well-being.

Step 7: Legacy & Estate Planning

A comprehensive financial plan looks beyond retirement. We’ll discuss your wishes for your family, charitable goals, and legacy, while reviewing important considerations such as beneficiaries, trusts, powers of attorney, healthcare directives, and wealth transfer strategies.

Step 8: Plan Presentation & Ongoing Partnership

Once your plan is complete, we’ll review our recommendations together and ensure they align with what’s most important to you. From there, our relationship continues through ongoing guidance, investment management, and regular review meetings to keep your plan on track as life evolves.

Ongoing Support Every Step of the Way

Financial planning is not a one-time event. As your life changes, your plan should evolve with it. Through regular reviews and proactive communication, we’ll help you navigate new opportunities, challenges, and milestones with confidence.

Our goal is simple: to help you make informed financial decisions, stay organized, and feel confident about your future knowing you have a trusted advisor by your side.

^{Frequently Asked Questions}About Financial Planning & Wealth Management

It’s natural to have questions when choosing a financial advisor. Here are answers to one of the questions we hear most often.

At The Legend Group, we believe that financial planning should be as unique as the people we serve. That’s why we take the time to understand your goals, values, concerns, and vision for the future before making any recommendations.
Our approach goes beyond investments alone. We help you bring all the pieces of your financial life together, including retirement planning, investment management, tax-efficient strategies, risk management, estate considerations, and legacy planning, into one coordinated plan designed around your specific needs.
You won’t find one-size-fits-all solutions here. Instead, you’ll receive personalized guidance, objective advice, and recommendations tailored to your circumstances. Every strategy we recommend is designed to support your goals and help you make informed financial decisions with confidence. When you work with us, you’re not just hiring an advisor. You’re gaining a long-term partner who is committed to helping you navigate life’s opportunities and challenges while staying focused on what matters most to you and your family.
Our goal is simple: to help you build, protect, and enjoy your wealth through thoughtful planning, disciplined investment management, and ongoing guidance every step of the way.
For clients who choose to have us manage their investments, an ongoing advisory fee is charged based on assets under management. Fees generally begin at 1.05% annually of the market value of managed assets.
If you’re only looking for financial planning without ongoing investment management, we also offer a stand-alone financial planning engagement by the hour.
During your introductory consultation, we’ll discuss your needs, explain our services in detail, and provide complete transparency regarding all applicable fees so you can make an informed decision with confidence.

Understanding Our Fee Structure

Transparency and honesty are core values of our firm, and that starts with being clear about costs. We operate as a fee-based practice, meaning most of our compensation comes from advisory fees for wealth management and financial planning services. In certain situations, we may also recommend insurance or investment products that pay a commission. When this occurs, we always disclose it in advance so you can make informed decisions with complete transparency.

Your financial life is about more than numbers. It is about how all the pieces fit together to support your goals, family, and future. Our tiered fee structure is designed to be fair, transparent, and aligned with the level of service we provide. As your assets grow, the percentage applied to each additional dollar decreases, helping ensure fees remain proportional to the scope of work and ongoing oversight required.

Every client relationship is personal and evolves over time. Through thoughtful planning, coordinated investment management, and responsive guidance, we help you stay focused on what matters most while navigating life’s opportunities and challenges with confidence.

Please see our Wealth Management Fee Structure below.

Wealth Management Fee Structure

Based on a percentage of assets under management

Account Asset Value Range	Asset-Based Fee
$0.00 – $500,000	1.05%
$500,000.01 – $1,000,000	0.89%
$1,000,000.01 – $2,000,000	0.76%
$2,000,000.01 – $5,000,000	0.65%
$5,000,000.01 – $10,000,000	0.55%

Fees are calculated using a blended, tiered schedule, meaning each portion of your portfolio is charged at the rate associated with that asset tier.

Fees are deducted monthly from investment accounts.

Important Disclosure

Certain insurance and investment products may involve commissions paid by the product provider. Any such compensation will be fully disclosed before implementation so you understand all costs associated with your recommendations and can make informed decisions with confidence.