Legacy Financial’s program is designed specifically to help business owners to satisfy their fiduciary responsibilities while delivering high-quality retirement benefits to employees. As a co-fiduciary, we share in the legal responsibility to act in the best interests of plan participants, providing expert guidance on plan design, investment selection, and compliance. We help employers reduce risk, improve plan performance, and enhance the overall retirement readiness of their workforce.

We provide clear, detailed reporting on all plan-related fees and expenses, ensuring employers and participants understand exactly what they’re paying for. By eliminating hidden costs and offering objective advice, we help create a more efficient and trustworthy retirement plan. Our goal is to support both plan sponsors and participants with strategies that are responsible, cost-effective, and aligned with long-term financial success.

Defined benefit and cash balance plans allow business owners and professionals to maximize retirement contributions while optimizing tax efficiency with significantly higher contribution limits than traditional retirement accounts, making them ideal for those with stable income and a desire to accelerate retirement savings. We specialize in designing and implementing these plans to align with your financial goals and business structure.

With a deep understanding of the regulatory and actuarial complexities involved, we provide ongoing guidance to ensure your plan remains compliant, cost-effective, and performance-driven. Whether used alone or in combination with defined contribution plans, our strategies can help you build substantial retirement wealth while benefiting from substantial tax deductions. We also prioritize fee transparency and work collaboratively with your tax and legal advisors to deliver a fully integrated solution.

Our Non-Qualified Plan Consulting & Portfolio Management services are designed to help employers attract and retain top talent through customized executive compensation solutions. Non-qualified plans offer flexibility beyond traditional retirement vehicles, allowing for tailored benefit structures that meet the unique needs of key employees. We provide strategic guidance on plan design, funding options, and regulatory considerations to ensure these plans align with both corporate goals and participant expectations.

In addition to plan consulting, we offer ongoing portfolio management to support the long-term growth and stability of plan assets. Our investment strategies are customized to match the risk tolerance and time horizon of each plan, with a strong emphasis on transparency, compliance, and performance. By integrating non-qualified plan solutions into your broader compensation and benefits strategy, we help you create a powerful tool for executive retention, wealth accumulation, and long-term financial planning.

Our Individual Retirement Plan Advisory Services provide personalized guidance for self-employed individuals, small business owners, and independent professionals seeking to build tax-advantaged retirement savings. We specialize in helping clients establish and manage Solo 401(k)s, SEP IRAs, and SIMPLE IRAs—flexible solutions that offer high contribution limits and potential tax benefits tailored to your unique income and business structure.

From plan selection and setup to ongoing investment management, we ensure your retirement strategy aligns with your financial goals and cash flow needs. Our approach includes clear, transparent fee structures and proactive guidance on contribution strategies, compliance requirements, and plan optimization. Whether you're just starting your business or looking to grow your retirement nest egg efficiently, we deliver the tools and insights to support your long-term success.