Personal Legacy Planners

The firm offers financial planning and advisory services to individuals, trusts, estates, charities, and retirement plans, providing written financial plans and periodic review consultations. It does not directly manage client assets; instead it enters co-adviser relationships with third‑party investment advisers and facilitates implementation of model portfolios for clients.

Investment advice is delivered through individualized asset‑allocation planning and the use of model portfolios that may employ charting, macro‑economic and technical analysis, fixed‑income strategies and options; the recommended sub‑adviser is responsible for portfolio management, trading and reporting. The firm monitors client relationships, meets with clients at least annually, and tailors financial planning recommendations to client goals and risk tolerances.

Compared with many peers, the firm has recently disclosed material changes (including a change in majority ownership and the addition of a branch office) and offers a third‑party newsletter to clients and prospects. Its advisers also maintain insurance agency activities and a precious‑metals business and the firm receives a portion of the third‑party adviser’s management fee, arrangements the brochure identifies as creating potential conflicts of interest that the firm says it seeks to mitigate through fiduciary duties and internal policies.