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When it comes to investments and retirement there are many questions, and often times this in and of itself creates a barrier to preparing for the years when you want to kick back and reap the benefits of the seeds you have sown. Most people spend more time planning their annual vacation than they do planning for retirement. Here at Legacy Partners we take planning for retirement very seriously. We can help answer many of your questions:

How and when should I save for retirement?

  • When can I realistically retire?

  • Are there accounts that can support my income so I limit the risk of outliving my retirement?

  • Can I combine a 401(k)with an IRA? What about a ROTH IRA? What are other options?

  • Should I convert my traditional 401(k) to a Roth before I retire?

  • How do I plan for Social Security in Retirement?

  • I am eligible for a Pension; What pension election should I take? How will this impact my Retirement Planning?

  • How do I manage tax consequences during retirement?


These are just a few of the many questions Legacy Partners addresses for our clients every day.  By working with a Legacy Partners retirement specialist, we can evaluate your current financial position and formulate a strategy that will not only get you to retirement, but more importantly, all the way through it!



When we originally meet with our clients we are often reminded that the average investor looks at all of their investment accounts as one pool of assets. Our philosophy incorporates a bucket strategy for our clients to visualize that a portion of their assets will be needed in a relatively short amount of time and need to be invested in a way that near term market volatility will not adversely impact their immediate spending and income needs. Also other assets will have a longer time frame and can be invested differently for higher potential gains.

We believe that a solid structured financial plan incorporates some strategies to compliment the uncertainty that financial markets historically bring.

Here at Legacy we will develop a savings and investment strategy that is tailored to your needs, risk tolerance and objectives. These recommendations will compliment current positions and will be gauged on your investment experience and knowledge. We believe it is critical to introduce an investment approach that not only fits the needs of the client today but also must coordinate with future plans and aspirations. We will work with you to design an asset mix that is in accordance with your needs and offers the allocation and diversification* that is appropriate.

* Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk.

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