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 most effective strategies for our clientele is our number one priority.

In respect to wealth management we develop strategies based on the subject's overall financial objectives, time horizons, risk tolerance and tax sensitivity.  We offer levels of customization that can appropriately handle unique client desires on 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 also be considered.

It is our belief that although an appropriate mix of stocks and bonds may serve as the foundation for a traditional portfolio, today's wise investor may be better served by integrating alternative, low correlation asset classes into the portfolio as well.  Such classes would include commodities, private equity, real estate, certain hedge funds, timber, and perhaps, for certain estate planning purposes, even participation in offshore ventures.  Utilizing such alternatives has helped improve returns over that which is expected from traditional portfolios.

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 the most efficient manner possible.  This often requires utilizing certain executive benefit strategies as well.

Our client list includes not only individuals but business entities as well.  We are qualified to develop and deliver sound business succession, executive benefit and retirement planning strategies which serve not only to enhance a business owner's position but 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...) when necessary so an appropriate, objective approach is taken to achieve the desired result.

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