We Do More Than Just Manage Money.
As your Fee-Only Advisory Team of Specialists , Concierges, and Legacy Consultants, we are dedicated to helping you discover your needs and achieve your goals so that you may live your life with greater confidence, focus, and peace of mind.
We accept our Fiduciary Responsibility to you.
We do not receive payment from any third party. You are the only one who pays us. We do not accept commissions or referral fees. We work only for you.
Financial Planning is a collaborative process that will help maximize your potential for meeting your goals through financial advice that integrates relevant elements of all your personal and financial circumstances.
The process includes an ongoing data collection, goal setting, analysis, and the drafting of recommendations using reasonable assumptions and forward-looking hypothetical projections.
Using our Financial Planning Process, your Life-Legacy Financial Planning Team helps you to identify and afford your personal financial and lifetime goals.
The development of the financial portfolio is first influenced by our Financial Planning Process. Based on that analysis and our investment discussions, we develop an Investment Policy Statement and customized portfolio.
We use and actively manage low cost Exchange Traded Funds and individual equities. We avoid use of mutual funds. We have no proprietary funds. You can custody your assets with anyone that grants us limited trading authority.
Investment management is about more than just managing savings. It includes managing what you earn and what you expose to annual taxation and estate tax. . Investment Management needs to be concerned about how much you keep and how you protect it.
Life-Legacy Financial Counsel, Inc (LLFC) is a registered investment advisor whose Investment Specialists and qualified team members are able to provide tax planning advice to individuals and small/medium size companies.
Annually, we are available to review paycheck stubs and past tax forms to project potential tax liability and provide strategies to reduce income tax expenses. We encourage mid-seaasn tax reviews.
The goal of our income tax planning services is to help you avoid extraordinary refunds or liabilities through the failure to properly plan for deductions and withholding. The goal is for you to pay your fair share of taxes, nothing more and nothing less.
Are You Planning for Stress, Fear, Fights, and Disappointment?
You Do Not Need To Plan For College Alone.
We Can Help You to Make This Planning Process Fun and Successful
Our Eight Step Comprehensive Career, Education, and College Planning Process™ (CAP™) takes about 20 hours to complete with both you and your parents to help you find and afford the right school for you . There is more to college planning than just saving in a 529 Plan.
After you access our College Planning Tool or we input your data, we will review your report, create your Right Capital Financial Plan, your comprehensive College Aid Pro Report™, and your College Action Plan™ which provides concrete strategies and road map to achieve your college planning goals. We offer access to college counselors, academic tutors, and presentation coaches to help you achieve your goals in the time period planned.
We help our clients plan their Legacy, including:
We help your charitable giving to be a part of daily life, a method to reduce taxes, a source of retirement income, an element of estate plan, and as a strategy to encourage family unity. We can help develop/ create family charity trusts, corporate charities, and family foundations as a great way to give,
We help our clients plan their charitable goals and Legacy, including:
We help develop/ create family charity trusts, corporate charities, and family foundations as a great way to give.
Life-Legacy Services and Life-Legacy Financial Counsel are members of the Association of Financial Educators, a 501c3 organization, which facilitates financial education to individuals and businesses throughout the United States using trained faculty.
Our presentations are designed to be informative, they are not a sales pitch. Our seminars provide an IRS safe harbor education and coaching curriculum that is valued by employees and has a positive impact on the business culture and employee productivity. We have programs for all types of people and needs.
We offer workshops for Sophomore's in high school, graduating high school seniors, college students, young professionals, employees, c-suite executives, soon to retire employees, employees subject to reductions in force, etc. We believe through proper financial education, people can achieve peace of mind and greater personal productivity.
Cash is the oxygen in our life. Without the cash to afford our basic needs, our wants, and even luxury; life becomes far more difficult and stressful. 80% of spousal fights are about money and 50% of divorces are caused by financial stress. The reason is always spending and cash flow.
Some call it a “budget”, but we call it a “Spending Plan”. Either way, the purpose is the same, to help you know what you have, what you need, and plan to live within your means. There are times that you will choose to overspend and increase debt, but ultimately all debt must be paid back with interest. The goal is to make a careful decision that is mutually agreed upon with your spouse or dependents; and not an impulse purchase of something that adds little value to your life
There is good debt and bad debt, but there is also simply the state of too much debt. We help you create and achieve payment plans and avoid a cycle of overspending and inefficient use of debt that bankrupt the lives of so many.
We also review your credit reports and help you to increase the score so that you can achieve your longer term goal of being financially independent.
We Offer Business Coaching, Business Valuation, and Six-Sigma Operations Consulting™
Every business has a birthday® . But is does not have to have an end date. The best time to start planning for the Succession of the business is actually when you create it, because 75% of businesses fail in the first five years.
Fifty percent of businesses do not have a Succession Plan. Through the process of planning for your succession, you also complete strategic planning , create talent development goals, and add financial value to your business. . Disciplined management and systems is the key to the success of a firm.
Our Business Consulting Services are affordable and effective. We provide strategic, tactical, and operational consulting based on the Kaizen approach and proprietary financial and productivity ratio analysis.
Small to mid-size entrepreneurs use our organization to help design and analyze their standard operations in customer service, manufacturing, and accounting structure.
Business value depends upon a few key factors. We can help you understand these factors and develop a strategy to maximize them. Remember, price is what you pay for an item, but value is what you get.
The Purpose of Insurance
The purpose of insurance is to plan for the transfer of the expensive costs associated with death, disability, damage, or liability from a potential “adverse event” away from you and to an entity who can afford those costs.
An insurance policy is a legal contract and transaction that exchanges a predictable but affordable cost from you to a third party who promises to cover the those expenses in case the adverse event happens.
Are You Worried About Leaving Your Wealth to Future Generations? ™
Will They Use it Well?, Will They Fight?, Will They Waste It?, Will it Waste Them? ™
We are not attorneys and we do not draft estate documents, but we help you craft your estate documents and your Money Mission™. We will review your documents, share ideas, and encourage you to discuss and update with an attorney. If you do not have one, we can recommend a few.
We help prepare your heirs to manage the money well. We can create a Legacy Message™ and facilitate a Beneficiary Education Program™ so that they know how hard it was to earn the money, your vision for its future use, and learn how to manage it well in the future. Such programs help maintain family unity. As a "Trust Protector", we can help craft the Family Mission™ Statement and monitor the success of future generations in achieving the goals.
We offer the service of assisting with home maintenance and management, whether your primary home or a rental. We also assist with home technology issues and the vetting of contractors.
Too many accidents occur in the home because a person tries to do basic maintenance themselves. We offer a team to come to your home and complete basic maintenance work and annual checklists for repairs. This way you do not have to and you can age in place. We handle recruiting the contractor, monitoring their progress, and informing you of any issues.
For others, they have busy schedules and travel for work, we help maintain their own home and potential rentals that they own. This way, they enjoy their homes and do not pay ridiculous third party management fees. We can help you get your home projects done.
So many are part of a "sandwich generation" where you feel constantly concerned and responsible for the care of both children and elderly parents.
We offer professionals who can help reduce some of your concerns. One service is Medical Advocacy where we respresent your concerns and communicate the results with medical professionals. We also monitor unpaid bills and billing charges.
Our Team can help you with personal projects and tasks. These include event planning, personal digital organization, home organization, personal shopping, vacation planning, dog care, etc.
We help you get your pictures, documents, files, and mementos organized. We help organize and preserve pictures and documents to help you and others to present and remember the family history.
We will get cloud media organized , archived, and ready to share.
We help you get your home organized. We will bring in the team to help you deep clean, de-clutter, organize, protect, preserve, and improve storage capability.
We help you get the pictures organized and formatted for presentation at major events like weddings, funerals, graduations, etc.
We can help you plan the events. We vcan hire and monitor the caterers, get the equipment and materials. you need, and help run the event that day, so that you can focus on enjoying the special occassion.
We help you research your family history, create your Family Tree, and create your Legacy Message- Your Message of a Lifetime ™ .
We offer this service because we know that there is more to your estate than just the stuff you leave behind. ™ . Your greatest wealth is you r wisdom. ™ . Do not let your voice, values, and vision die with you ™ . We can help you preserve you message to inspire future generations.
We can help you develop your family Genealogy and archives so that you know your family history , which can inspire you and future generations to achieve goals that were hoped for by previous generations.