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At Legacy Wealth Management, we help pre-retirees turn their vision for retirement into a clear, actionable plan. As you approach this important life transition, we work with you to assess your current financial picture, align your investments with your long-term goals, and create strategies for generating reliable retirement income.
From reviewing your 401(k) and IRA accounts to coordinating tax planning, healthcare decisions, and Social Security strategies, our team makes sure every aspect of your plan works together. With thoughtful guidance and personalized advice, we help you move toward retirement with confidence, clarity, and peace of mind.
Our investment management services begin with understanding your unique goals, time horizons, and risk tolerance. We prioritize your financial needs today while planning for a secure future, applying sound investment strategies and ongoing guidance to help you reach your goals. With our experience in retirement transition, tax planning, and wealth preservation we address every aspect of your wealth to create an integrated financial plan to give you clarity and confidence in your financial journey.
At Legacy Wealth Management, your experience is built on a foundation of trust, transparency, and thoughtful partnership. Our four-step process is designed to give you clarity and confidence in every financial decision, while our core values guide how we communicate, plan, and support your journey. From our first conversation to ongoing adjustments as your life evolves, we combine personalized guidance with proactive strategies—all centered around your unique goals.
Tom and Judy Williams are a professional couple in their late-50s with a solid financial foundation and an eye toward retirement. With two college-aged children nearing graduation, an active lifestyle, and deep roots in their community, they’ve achieved a great deal and are now thinking about what’s next.
While they feel financially secure, Tom and Judy want clarity around their long-term plan. They’re looking for a trusted advisory team to help them tie everything together—investments, retirement income, and legacy planning—into one cohesive strategy. They value straightforward, thoughtful advice and want to feel confident that their financial decisions will support the life they envision in retirement and beyond.
Getting to Know the Williams
We began by sitting down with Tom and Judy for a series of thoughtful conversations, getting to know their priorities, lifestyle, and vision for retirement. They wanted to ensure that all aspects of their financial life were working together. Through our discovery process, we gained a clear understanding of their current financial picture and what they hoped to achieve in the next phase of life.
Creating a Personalized Plan
Next, we thoroughly reviewed their retirement accounts, investment allocations, and risk exposure across all accounts—401(k)s, IRAs, and brokerage portfolios. We made recommendations to optimize their asset allocation and introduced a coordinated tax strategy to reduce unnecessary tax burdens as they transition into retirement. We also discussed the most effective way to claim Social Security and reviewed potential income sources, helping them visualize how their retirement lifestyle could be supported with predictable, tax-efficient cash flow.
Implementing the Plan
With the plan in place, we moved into implementation—adjusting their portfolio to align with their evolving risk tolerance, updating account registrations, and preparing for eventual Required Minimum Distributions (RMDs). We also coordinated with their tax advisor to focus every part of the plan—from charitable giving to Roth conversions—so it was executed with tax efficiency in mind.
Monitoring Performance
As Tom and Judy approach retirement, we continue to monitor and adjust their plan through regular reviews and check-ins. We revisit their goals, track progress, and make updates based on market changes or life events. With an integrated plan in place and a trusted team by their side, Tom and Judy now have the confidence to enjoy this next chapter—knowing their finances are aligned with the life they envision.
*Names used in these examples are not real clients. Scenarios presented for illustrative purposes only and not based on actual events.
