The Legacy Financial Group

The Legacy Financial Group Helping nurses turn long nights into lasting legacies through comprehensive financial planning. Ricky Dukes is not licensed in all jurisdictions.

At The Legacy Financial Group, we specialize in retirement planning for nurses. Our dedicated team understands the unique financial challenges you face and is committed to providing tailored investment strategies for your financial well-being. From providing assistance with your abandoned 401k to personalized investment plans, we offer comprehensive services to help you secure a prosperous future.

We offer a variety of products that can help you meet a number of financial and insurance needs, including retirement, managing costs for extended periods of care and lifetime income strategies. Please contact us to help you fully analyze your needs and recommend appropriate solutions. In addition to a Financial Advisor offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser, Ricky Dukes is an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Ricky Dukes is also a Registered Representative of and offer securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), a Licensed Insurance Agency and a New York Life Company. Eagle Strategies LLC and NYLIFE Securities LLC are New York Life Companies. Neither The Legacy Financial Group LLC, nor New York Life Insurance Company, nor its agents provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. The Legacy Financial Group LLC is not owned or operated by New York Life Insurance Company or its affiliates. AR Lic. #15690540, CA Lic.

Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

14819 Ballantyne Village Way, Suite 1100
Charlotte, NC 28277
(704) 284-9192

One of the largest retirement accounts I ever helped a nurse find wasn’t at her current hospital.It wasn’t at her previo...
06/02/2026

One of the largest retirement accounts I ever helped a nurse find wasn’t at her current hospital.

It wasn’t at her previous hospital either.

It was sitting in a retirement account she forgot existed.

And she had no idea it was there.

I’ve met nurses with retirement accounts spread across multiple employers who couldn’t tell me where all of their money was.

That’s a problem.

Today, I want to show you 3 ways to find abandoned 403bs.

First, contact your former employers.

Call HR or the benefits department and ask who managed the retirement plan while you worked there.

Many nurses are surprised to learn they still have money sitting in an old account.

Second, search your old emails and paperwork.

Search terms like:

403b

retirement plan

benefits

rollover

statement

You only need one statement or account number to start tracking it down.

Third, check unclaimed property websites.

If an employer changed providers, merged with another organization, or lost contact with you, your money may have ended up in a place you never expected.

Once you find an old account, don’t stop there.

Review the investments.

Review the fees.

Review the beneficiaries.

Make sure it still fits into your overall retirement strategy.

You worked too many nights, weekends, holidays, and overtime shifts to lose track of money you already earned.

If you’d like help figuring out whether you have old retirement accounts sitting somewhere, comment FIND.

Most nurses spend years mastering patient care.Very few spend the same amount of time learning how to protect the busine...
06/01/2026

Most nurses spend years mastering patient care.

Very few spend the same amount of time learning how to protect the business they’re building.

One question that comes up often is whether a nurse entrepreneur should form an LLC or a PLLC.

An LLC is a general business structure used by many types of businesses.

A PLLC is designed specifically for licensed professionals and is often the better fit for nurses providing professional healthcare services.

Both structures offer liability protection.

The difference is that a PLLC recognizes the professional and licensing requirements tied to your nursing credentials.

The right structure affects liability, compliance, credibility, and how you operate your business moving forward.

Before filing paperwork, make sure you understand which option aligns with your state’s requirements and your long-term goals.

Building a successful nursing business starts with a strong clinical foundation.

Protecting it starts with the right legal and financial foundation.

Most nurses assume a will keeps their family out of court.It doesn’t.A will tells the court who should receive your asse...
05/31/2026

Most nurses assume a will keeps their family out of court.

It doesn’t.

A will tells the court who should receive your assets after you pass away. Your family still has to go through probate before those assets are distributed.

Probate is the legal process of settling an estate.

That process can involve court filings, attorney fees, delays, and additional stress for the people you leave behind.

For a nurse working 12-hour shifts, raising a family, and building a future, the question isn’t whether you need an estate plan.

The question is how easy you want things to be for your loved ones.

This is where a trust may make sense.

When assets are properly placed in a trust, they often transfer directly to beneficiaries without going through probate.

That means:

• Less court involvement

• More privacy

• Faster access to assets

• Less stress for your family

Trusts are especially common among nurses who:

• Own a home

• Have children

• Have a blended family

• Want greater control over how assets are distributed

• Want to make things easier for loved ones

A will is an important document.

A trust may provide an additional layer of protection and control.

The goal isn’t simply deciding who gets your assets.

The goal is making sure the people you care about have the smoothest path possible during one of the most difficult times in their lives.

05/30/2026

HBCU Morgan State University Nursing Program Achieves 100% NCLEX-RN Pass Rate, Ranked No. 1 in the State of Maryland 👏🏾

Most nurse entrepreneurs are so focused on earning more that they never stop to ask a simple question.How much money is ...
05/30/2026

Most nurse entrepreneurs are so focused on earning more that they never stop to ask a simple question.

How much money is slipping through the cracks?

Every dollar you fail to deduct is a dollar you paid taxes on unnecessarily.

Here are a few deductions many nurse business owners overlook:

• Home Office Deduction

That extra room used for charting, telehealth visits, scheduling, bookkeeping, or administrative work may qualify as a deductible business space.

Many nurses know about deducting the office itself.

Far fewer realize a percentage of internet, utilities, maintenance, and other household expenses may qualify as well.

• Professional Development Expenses

Continuing education isn’t only an investment in your career.

It is often a legitimate business expense.

Conferences, certifications, license renewals, travel, hotels, and even some meals tied to professional events may qualify.

• Equipment Purchases

Purchased a laptop, phone, tablet, printer, camera, or medical equipment for your business?

Many business owners assume they must spread the deduction over years.

In many cases, current tax rules allow you to deduct the cost much sooner.

• Vehicle Expenses

Every mile matters.

Driving to patients, networking events, meetings, supply stores, conferences, or business appointments creates potential deductions.

Many entrepreneurs underestimate how quickly those miles add up over the course of a year.

• Software Subscriptions

Scheduling software.

EMR systems.

Bookkeeping platforms.

Telehealth applications.

CRM systems.

If your business relies on it, there’s a good chance those recurring monthly expenses are deductible.

The biggest tax mistake nurse entrepreneurs make isn’t failing to earn enough.

It’s failing to keep more of what they’ve already earned.

A few overlooked deductions can mean thousands of dollars staying in your business instead of going to the IRS.

Before tax season arrives, review your expenses and make sure every legitimate deduction is being captured.

Your old 403(b) isn’t harmless.It’s quietly draining money from your future.Most nurses change jobs multiple times durin...
05/29/2026

Your old 403(b) isn’t harmless.

It’s quietly draining money from your future.

Most nurses change jobs multiple times during their careers. Every time it happens, another retirement account gets left behind. Another account gets forgotten. Another pile of fees keeps collecting.

While you’re working overtime, picking up extra shifts, and sacrificing time with your family, that old account may be charging higher fees, limiting your investment options, and delivering mediocre results.

That’s money coming directly out of your pocket.

Many old 403(b) plans trap you in a small list of investments chosen by an employer you no longer work for.

Think about that.

Your retirement is still being controlled by decisions made years ago by someone else’s committee.

It gets worse.

Multiple retirement accounts create confusion. Beneficiaries get overlooked. Investment strategies become disconnected. Tax planning opportunities get missed. Your family inherits a paperwork nightmare if something happens to you.

Meanwhile, many nurses assume everything is fine because they still receive a statement.

A statement doesn’t mean your money is working efficiently.

It simply means the account still exists.

If you’ve changed employers and still have an old 403(b) sitting somewhere, don’t assume it’s doing its job.

The biggest threat to your retirement isn’t always a market crash.

Sometimes it’s neglect.

And neglect gets expensive.

Most nurses don’t realize it, but that old 403(b) from a previous employer may be costing far more than they think.Many ...
05/29/2026

Most nurses don’t realize it, but that old 403(b) from a previous employer may be costing far more than they think.

Many retirement accounts get left behind after changing jobs. Out of sight becomes out of mind. Meanwhile, hidden fees, limited investment options, and outdated plan features continue working against your long-term goals.

A $50,000 account paying an extra 1% in fees loses $500 every year. Over decades, that adds up to thousands of dollars that could have stayed invested for your future.

The problem doesn’t stop with fees.

Many older 403(b) plans offer a small menu of investment choices. You’re restricted to whatever your former employer selected years ago, even if those options no longer fit your goals or risk tolerance.

As your career grows, so does the complexity.

Multiple retirement accounts scattered across different institutions create unnecessary confusion. Tracking performance, updating beneficiaries, managing distributions, and coordinating tax strategies becomes harder every year.

Consolidation isn’t about moving money for the sake of moving money.

It’s about gaining visibility.

It’s about having access to better investment choices.

It’s about simplifying your financial life.

It’s about creating opportunities for strategies like Roth conversions when appropriate.

And it’s about making life easier for the people who may someday need to manage those assets after you’re gone.

If you’re a nurse with an old 403(b) sitting at a previous employer, it may be worth taking a closer look.

Nursing is one of the most rewarding professions, but it comes with financial challenges many other careers never face.I...
05/29/2026

Nursing is one of the most rewarding professions, but it comes with financial challenges many other careers never face.

In this carousel, we cover eight budgeting strategies nurses should consider:

• Track shift differentials and overtime separately to understand your true earning power.

• Build a larger emergency fund to account for schedule changes, overtime fluctuations, and unexpected life events.

• Take full advantage of employer retirement matches available through your 403(b).

• Budget for continuing education, certifications, and license renewals before they become last minute expenses.

• Adapt traditional budgeting methods to include career specific costs like scrubs, shoes, and professional requirements.

• Prepare for income swings if you work travel assignments or variable schedules.

• Look for nurse specific discounts that can reduce monthly expenses.

• Stay informed about student loan repayment and forgiveness programs that may affect your long term financial strategy.

The goal is not perfection. The goal is making intentional decisions with the income you’ve worked hard to earn.

One small improvement today can have a meaningful impact on your financial future.

Many nurses are starting businesses outside the hospital.IV hydration.Consulting.Aesthetics.Home care.Wellness coaching....
05/27/2026

Many nurses are starting businesses outside the hospital.

IV hydration.

Consulting.

Aesthetics.

Home care.

Wellness coaching.

But one mistake shows up early for many nurse entrepreneurs:

Starting a business without understanding the structure behind it.

A sole proprietorship is simple and inexpensive.

An LLC creates separation between you and the business.

Your business structure impacts:

Taxes

Liability

Credibility

Growth potential

Long term protection

Many nurses focus on the income side of business first.

The structure side matters too.

Especially when your license, income, and future are attached to what you are building.

The goal is not only making money.

It is building something protected, organized, and sustainable.

This Memorial Day, we pause to remember and honor the men and women who gave their lives in service to our country.We ar...
05/25/2026

This Memorial Day, we pause to remember and honor the men and women who gave their lives in service to our country.
We are grateful for their sacrifice and hold their families in our thoughts today.

Address

Charlotte, NC

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17042849192

Website

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