Wealth Management — a process not a product.

Our in-depth process begins by allowing you to explore what goals and dreams you have, while addressing the concerns you have about being able to achieve them.

This important step serves as the basis for our conversations together.

Defining Major Life Goals


We start by simply getting to know you.

Through face-to-face conversation we will build a detailed picture of your personal goals; as well as a clear understanding of your current financial situation, investment experience and risk tolerance.

The learning is a two-way street. You will have questions, perhaps concerns, and we’d like you to get to know us too; we enjoy answering your questions, and talking about life as much as our business approach and philosophy.

We will talk you through our capabilities and the services the team at Legacy Wealth Management provides, as well as your personal responsibility — as the key player in your financial plan.


Once we understand your vision, we are ready to begin designing your personalized financial plan. The plan will cover strategies for all of your goals, both short and long term, from paying for education, to transitioning to the next generation, helping gain confidence in your retirement, or preserving your assets — and everything in-between that is unique to your situation.

We will present our recommendations, respond to your questions and comments, and consider other options with you (because all ideas are worthy of consideration) before solidifying and outlining the steps to implement your plan.


Putting your financial plan into action involves selecting the specific account types, any investment products and appropriate services identified in the previous stage, in order to build your portfolio.

We work side-by-side with you and at your convenience, to complete all necessary paperwork, ensuring the safe and fast transition of your assets to your new account.


We will continually monitor the progress of your plan to ensure it keeps working for you. In this important stage, communication is key, and whenever you experience a life change — marriage, birth, a new job, a new home — we will be ready to discuss how this situation impacts your financial plan. We can recommend adjustments that keep you on target for your life goals, or help you change your bearing to new goals, and we will help you to implement any strategic changes.

The entire process begins again at each major life event — and your financial plan becomes a living document, reflecting an unfolding lifetime of confident financial navigation.

You work hard to establish strong financial security through your assets, and a legacy that compliments your beliefs and values. We work hard to make sure those assets are well looked after, and preserved.

key icon

Case Study: Transitioning to the Next Generation

The Situation:

Over the course of four decades, Sam built a highly profitable manufacturing firm. Shortly before his 65th birthday, he decided to retire and begin to hand over the business to the next generation. The older of Sam’s two sons, who played a key role in the business since graduating from college, seemed the most likely to succeed his father as the President and Chief Executive Officer. Jim’s younger son, a successful physician, had not been actively involved in the business. Still, Sam wanted a wealth transfer strategy that would give both sons their fair share.

Our Approach:

A multidisciplinary team would work closely with Sam’s attorney. The team would develop a combination of business structures, consulting arrangements and minority interest gifts to ensure that both sons and their families would share equitably in the inheritance.

The wealth management advisor team also would work with Sam and his attorney to create and administer an irrevocable life insurance trust. This trust should provide sufficient funds for any estate taxes without having to liquidate the business upon Sam’s death.

This case study is a hypothetical demonstration of our planning process and is for illustrative purposes only. It is not a real portrayal of a client scenario. It is not intended to infer any particular client outcome. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors of Raymond James we are not qualified to render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Looking ahead?

Nobody knows what the stock market will do tomorrow, and a knowledgeable advisor is essential to help with key financial decisions, at the right time.

An exceptional advisor looks beyond the horizon to: optimize the selling value of assets, assist in the timing and transition of your business and help you manage that income, plan for succession alongside tax and legal advisors… and best of all — help you live out your dreams.

A man wearing a dark suit with a light long-sleeved dress shirt is sitting in a chair and has his back turned. He is looking out a large set of office windows, with his hands clasped on the back of his head. He is slightly leaning back in the chair.

© 2023 Raymond James Financial Services, Inc.

Member of FINRA/SIPC | Privacy Policy

Website by Marketing by Design