Looking at your entire financial picture can be intimidating; you may be overwhelmed by the choices and options for managing your assets. There are countless firms available to manage your funds, and numerous vehicles to choose from. With the sea change of technology and the quickening pace of life around us, navigating the finance industry can be choppy and unsettling. Guiding you through a series of discovery, we help you determine your financial plan and chart the course. We know that even with the best laid plans, weather happens, and unexpected storms arise to throw you off course. Our commitment is to plan as best we can for the unforeseen circumstances, and partner with you to get back on track when the unexpected happens.
Our process begins with active listening, includes a thorough needs and risk assessment and culminates in a comprehensive financial plan for our clients. We will perform a risk analysis to learn your comfort zone and be sure your investment vehicle choices match your values and priorities. We develop a tailored solution that fits your unique circumstances. Your plan will be unique to you and will be reviewed and changed as life inevitably unfolds and changes.
A comprehensive financial plan covers a range of topics; from understanding your company’s benefits options including employee stock options, considering if long term care and life insurance products make sense, planning for college savings and assuring sufficient cash-flow in retirement. If you are working with a CPA or attorney, we will connect with them to be sure your plan encompasses what you already have in place. Simplify the complexities by trusting us to guide you and support your decision-making.
A successful plan is not created in a vacuum. Just as a manifest tracks the details of a journey, we help our clients streamline and organize the pieces of their financial picture. Your overall financial wellness is our objective. We are an independent financial planning and investment advisory group that takes a comprehensive approach to designing your investment plan. From cash management to long-term wealth accumulation, we will chart the course, advise, guide, coordinate strategies and revise the plan as milestones and turning points occur. We can assist you in consolidating your accounts in the most concise and tax-advantaged manner so you have more time and energy on the things that matter most.
Effective financial planning can sometimes require a team of specialists working together to ensure all aspects of your plan are working in harmony with one another. If you have existing professionals you trust, such as your CPA or attorney, we are happy to work with them to develop a holistic approach.
When your situation warrants, we can draw on a team of attorneys, estate specialists and master financial business planners who will assist in complex situations. A central support network, when we enlist the Advanced Planning Group (available through our partnership with Cetera), you’ll discover a unique support system unlike that at most other firms—a team of in-house specialists who are accessible, responsive and committed to supporting you and your business.
We have also aligned ourselves with world class companies that allow us to provide expanded offerings and resources to our clients. These alliances have been carefully and intentionally chosen for their strength, capabilities, and resources. We're proud to partner with:
We are proud to serve people at all stages of life, from young career couples to retirees. We support same sex couples and traditional families, including those who choose to have one partner manage the home and family full-time. Our clients range from self-employed, to medium size business owners, employees of corporations and non-profits. Reach out for a consultation. Our first conversation has no strings attached. Meeting over coffee, or on a video chat, we explore if it makes sense for us to work together and make sure that our firm and your situation are a fit. Click below to learn more.
When can I retire and will my money last?
Can I achieve Financial Independence Retire Early (FIRE) status?
How do I protect my assets in the face of long-term care expenses?
I feel like my finances are scattered. Can you help me to organize my many accounts and create a streamlined plan and system?
You’re not alone with these questions. Our clients come from different walks but share similar concerns about their financial well-being. Whether you’ve done some planning or none at all, we’re here to partner with you on your financial journey and guide you toward your goals. Some of the services we commonly offer include:
Michelle has a passion for financial management and excels in personalized solutions for her customers.
Michelle spent her early career as an Investment Advisor at Merrill Lynch and has three decades of experience in financial planning. She left the ‘wire houses’ to move to community banking where her impact on client service would be more profound. She was promoted to Vice President of Investments at Quick & Reilly, the investment division of Fleet Bank which later merged with Bank of America. Staying current in the industry, Michelle is a RICP, Retired Income Certified Professional, and is currently working on her Chartered Financial Consultant, ChFC® designation Michelle founded Legacy Wealth Management in 2006 to have a more personal relationship with her clients, and to have the flexibility to create a plan that works for their unique situation.
Her business is built on referrals which speaks to the satisfaction of the clients to whom she dedicates her time and attention. Her goal is to share the depth of her experience in financial planning and set realistic, attainable goals. As life challenges arise, her clients rely on their relationship with Michelle. She is dedicated to understanding their challenges, keeping them on track towards achieving their goals.
Michelle balances the demands of her business and family. She treasures time spent with her husband Glenn and their two teen daughters, Sommer and Danika. She enjoys serving the community as a member of her church’s Planned Giving Board and is a member of her town’s Veteran’s Committee. Michelle values health and well-being and prioritizes staying physically fit. Yoga, running and fitness classes round out her days and support the mental clarity and energy she needs to best serve her clients.
A native of Massachusetts, Kris’s upbringing and early experiences instilled in him values that continue to guide him today, -- a strong work ethic and the importance of saving. Kris earned his BA in Economics from the University of Massachusetts Amherst. After receiving his degree, he immediately found his niche in the financial services industry. Kris realized early on that he enjoys helping clients build wealth and plan for their future.
Kris’s experience with large investment firms prepared him well to become an Independent Financial Advisor. Out from under the constraints as a part of a large corporation, he started his own financial services firm to enhance his ability to build client relationships. He specializes in wealth accumulation and retirement income planning by creating and managing well-crafted financial plans. Kris enjoys implementing and observing the benefits that a solid wealth strategy provides for his clients. Experience has taught him that an ongoing relationship allows time for trust to build. The special relationships he has deepened with clients means he’s their go-to professional to assist with all their financial choices, --especially as they near and navigate retirement.
Providing excellent service and customizing individual plans is what Kris has built his decades long career on. Kris lives by the Golden Rule of treat others as you would want to be treated. When away from the office, Kris recharges by spending time with his family, boating on Lake Winnipesaukee, attending live music events, and rooting for his favorite sports teams. Kris loves a good day on the slopes and finishing his ski day with a tasty New England IPA.
Kris would love the opportunity to support you in developing your financial plan.
As the Client Services Team Leader, Melissa has been with the firm for over four years. Her role includes maintaining and enhancing the firm’s systems and processes while supporting the administrative staff. She strives to implement and refine our service model to provide clients with the best experience possible.
Melissa has worked in Customer Service for over 20 years and in the financial planning industry for 6 years. She says the most satisfying part of her job is helping clients while getting to know them.
When she is not working, Melissa enjoys spending time with friends and family, which includes her husband Matt and daughter Mahayla. She loves the outdoors and stays active hiking, camping, four wheeling and paddle boarding. CrossFit training keeps her in shape to enjoy her active lifestyle.
Deanna is our operations expert. She takes care of all client requests and administrative functions. You will likely meet Deanna when you join us during your onboarding process. She can help you with any admin needs such as address or beneficiary changes, transfers, wires, and tax reports, among others. Deanna comes from a small town in Minnesota near the Twin Cities. She moved to San Diego after high school to study at Point Loma Nazarene University. She earned a Bachelor’s in Sociology in late 2020. She started her career in the hotel industry, working with various unique properties in San Diego county. She decided to pursue a career in the financial industry and is eager to work with clients at Legacy Wealth Management. She is passionate about musical theater (which she was very involved in before college), anything home related (HGTV is her addiction!), and the Olympic games. She enjoys going on runs, volunteering with her church, going to new coffee shops, and exploring California.
Visualize and create a concrete plan for your ultimate retirement or retirement optional lifestyle. It’s never too early to plan for ample cash flow in retirement. Our decades of experience help us to find the appropriate plans that match your comfort level.
Whether you are recently divorced, or just experienced the loss of a spouse, you recently changed jobs or are facing layoffs; having a trusted advisor can allay your fears and offer you the perspective you need during a challenging time.
Often work responsibilities leave little time for big-picture planning. We understand the demands on your time, and work efficiently to help you set attainable goals, and chart your course to keep the end-goals in sight. Whether your goal is early retirement, partial retirement, or retirement optional lifestyle, determining your path is the first step.
Your entrepreneurial spirit helped you to build your successful business. Let us help you chart the next years as you map your succession plan and create your ultimate retirement or retirement optional lifestyle. We’ll be sure you are minimizing your tax burden and maximizing your deductions.
You’ve made a decision that works for your family, and there are strategies to create the financial security you need while you tend to your most precious assets.
Some step families avoid the topic of estate planning because of the complexities. Having a clear plan helps to dispel misunderstandings and put people at ease. We know that financial planning is not always smooth sailing, we are not afraid to tack into the headwinds and keep everyone on course.
You’ve worked hard and want to be sure you can count on your savings to work for you in retirement.
Managing your income in retirement is a critical component to ensure you do not outlive your savings. We’ll engage one of several income planning strategies along with a sensible investment plan.
We’ll consider your estate plan working to ensure that we limit the tax burdens to your heirs leaving your legacy to children and grandchildren intact.
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