Legacy Financial Planning, LLC (Legacy) serves the Mobile, Alabama metro area by providing comprehensive fee-based financial planning.  Clients engage Legacy on a one time, as needed or on-going basis. We offer investment consulting on an hourly basis, or on an annual retainer, the choice is yours. Our services are for families and individuals with no minimum asset levels required.  We sit down and listen to you. We listen to your needs, your questions, and your goals.

We blend your needs and comfort with risk tolerance to create a financial plan for you and your family integrating real estate, insurance, fixed annuities, tax planning, college savings, investments, retirement and estate planning. We consider safety for your assets and fully review your current financial structure including all your insurance coverages for life, health, and long-term care. We recommend a multi-component retirement plan including fixed income strategies utilizing fixed annuities as well as tradional qualified retirement plans such as Roth IRA's and 401k plans. Insurance products can be purchased through Legacy or from your existing advisors. All insurance products are commission based.

Whether you are coming to us for one time, as needed advice or on a continuing basis, all financial plans are built from the ground up, much like constructing a house:

A. Financial Basics Program: Many people want to rush into investing before they have a firm handle on managing their own household budget. Money management is the first step to having a strong foundation. Visit our Financial Basics section to see where to start.

B. Limited questions on hourly basis: This is perfect for the person who has a few questions which can be answered in an hour or two. As required by the Securities Exchange Commission, for all investing related questions you will need to complete a contract and a risk tolerance questionnaire.

C. Annual Plan: This is for the family, individual or business who wants a comprehensive review of all their investments or who wants a full plan integrating all financial elements into a written report. A full review or full plan covers all of the objectives listed below.

D. Business review: Many people need assistance evaluating business opportunities such as purchasing an existing business. Legacy can help you review these documents to assist you in making a decision. Hourly fees apply.

Each client will have different objectives such as:

• Creating a budget
• Establishing an emergency fund
• Saving for retirement
• Chosing retirement investments including your own self-created defined pension plan
• Long-term care
• Tax preparation and planning
• College savings
• Starting a business
• Creating and transferring wealth
• Leaving a charitable legacy
• Planning to create peace of mind
• Finding resources to further their education

To help you with each of these steps, Legacy's services include:

• Spending Plan for cash flow
• Credit report analysis
• Tax planning and preparation
• Insurance review:   property, casualty, life, health, long-term care and annuity coverages
• Selecting investments for your company's 401k or 403b plans
• Creating your own investment plan for retirement, college savings or other large goals outside of a qualified plan
• Second opinion for a current financial plan or investment
• Reviewing and assisting with updating your current estate plan

Legacy works with top rated insurance companies to provide the best services for our clients. These companies include: John Hancock, Mutual of Omaha, Genworth, Aviva, RBC Bank, Great American Life, and Lincoln Insurance. We also work with no-load mutual fund companies and discount stock brokerages.

Make an appointment today by calling:

(251) 219-4574   or   (877) 597-2356 toll free.