Our Services

Legacy Solutions, Inc. is a financial planning firm which specializes in the areas of wealth management, estate planning, executive benefits and retirement plans.  Formulating the effective strategies for our clientele is our number one priority.

In respect to wealth management, we develop strategies based on the client's overall financial objectives, time horizons, risk tolerance and tax sensitivity.  We offer levels of customization that can appropriately handle unique client desires for high concentrations (usually options related) of existing positions.

Even in the most customized applications, one can be assured that our recommendations consist of a high degree of diversification.  Most every portfolio recommendation would likely include an appropriate mix of equity (stock) and fixed income (bonds) instruments.  However, in this era of single digit return expectations from traditional strategies, careful consideration must be given to what equity asset classes are to be utilized.  For instance, how much domestic versus international equity and at which capitalization levels while maintaining an eye on credit worthiness.

Similar analysis must be conducted on the fixed income side of the equation, especially in terms of bond maturities and durations given our current interest rate environment.  Given the tax sensitivity of most high net worth individuals, an analysis of tax-free versus taxable instruments must be considered.

It is our belief that an appropriate mix of stocks and bonds serve as the foundation for a traditional portfolio, but today's wise investor may also be better served by integrating alternative, low correlation asset classes into the portfolio.  Such classes would include commodities, private equity, real estate, certain hedge funds, timber, and even participation in offshore ventures (if suitable and achieve needed estate planning purposes).  Utilizing such alternative investments in conjunction with the traditional portfolios has helped improve returns.

As one might expect, prudent wealth management is often executed in order to fulfill or accommodate certain desired objectives from an estate planning point of view.  Legacy Solutions' capabilities include formulating effective estate planning strategies in order to transfer wealth to desired parties or entities in an efficient manner.  This often requires utilizing certain executive benefit strategies as well.

Our client list not only includes individuals but business entities as well.  We are qualified to develop and deliver sound business succession, executive benefit and retirement planning strategies which serve to enhance a business owner's position and in many cases, the employees as well.

Providing such services requires Legacy Solutions to view our client relationships as a process, not an event.  We take great pride in providing a concierge level experience from a financial planning point of view.  It is our goal to position ourselves as your financial gatekeeper regardless of whether we act to develop a wealth management, estate planning, executive benefit or retirement strategy.  We utilize only best of breed money managers and product providers who have been selected under the highest standards of due diligence.  Furthermore, we routinely develop and/or interface with our clients' team of professionals (attorneys, CPAs, assistants, etc...) so that an appropriate objective approach is taken to achieve the desired result.

                                                Daniel C. Danese, CFP^® ,CLU
                                                CERTIFIED FINANCIAL PLANNER^TM practitioner
                                                President