Legacy Retirement Advisors
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Total assets under management
$15,449,065
Total clients
91
0% high-net worth
Total advisors
1
of 1 employees
Firm size
Independent
1 advisor
Average clients per advisor
91
Average account size
$169,770
About
Legacy Retirement Advisors works with individual and high‑net‑worth clients to provide financial planning and discretionary portfolio management. Services include standalone financial planning, model‑based portfolio management, and a bundled wealth‑management program that integrates planning with ongoing investment oversight.
The firm’s investment process is described as an "advance‑and‑protect" approach that combines strategic asset allocation with tactical adjustments, using third‑party quantitative research to help identify entry and exit points. Portfolios are implemented largely with ETFs, stocks and mutual funds across diversified model allocations and are monitored with regular reviews and periodic rebalancing.
Compared with many similarly sized independent advisers, the firm is notable for offering fixed‑fee planning options alongside an integrated planning‑plus‑management service and for explicitly coordinating tax profiles across account types to pursue tax efficiency. The adviser holds a professional RFC designation, reports no disciplinary history, and discloses an unrelated small‑business activity, items that may be relevant to prospective clients assessing firm structure and potential conflicts.
Client services
Financial planning
Portfolio management
Expertise
General retirement planning
Income planning
Tax-loss harvesting
Fee options
Legacy Plan Annual Review Meeting: $800 flat; Legacy Plan: $1,499 one-time
$0 - $250,000: 1.75% $250,001 - $499,999: 1.50% $500,000 - $999,999: 1.25% $1,000,000+: Negotiable
Account minimum: $250,000 minimum for Portfolio Management Services; $600,000 minimum for Premium Wealth Management
Main office location
Legacy Retirement Advisors
St. Peter MN, United States
Number of offices
1
Most active in
Legacy Retirement Advisors has reported serving >5 clients in these states in the last 12 months.
Minnesota
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Quick links
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")