Legacy Finance

09/01/2026

Are you within two years of retirement? We made this guide for you!

Our free retirement planning guide is made for individuals and families who have spent decades building wealth and are now facing a different set of decisions. The kind that determine whether that wealth actually carries you through the next 20 to 30 years.

It covers the five questions that matter most before you stop working. When can you realistically retire. How do you pay less in taxes before RMDs begin. When should you claim Social Security. What does healthcare cost before Medicare kicks in. Is your portfolio positioned for income or still set up for growth.

If you have $1 million or more in assets, this guide was built with your situation in mind.

Download your free copy on our homepage: www.imalegacy.com

08/27/2026

Sometimes the smallest details make the biggest difference. This post reminds small business owners that retirement benefits aren't just for big companies, and that something as straightforward as number of employees can determine whether a SEP-IRA or SIMPLE IRA is the better fit.

08/20/2026

Retaining great employees starts with showing them their future matters. This post spotlights the SIMPLE IRA as an accessible retirement option designed with smaller teams in mind, giving business owners a specific, tangible reason to start the conversation.

08/14/2026

When it comes to small business retirement options, the choices can feel overwhelming. This post highlights that a SEP-IRA, SIMPLE IRA, and 401(k) are structured differently, and that the right fit depends on business size, number of employees, and overall goals.

08/06/2026

Small business owners often think of their employees as family, but are they set up like it? This post opens the conversation around retirement options available to small business employees, reminding owners that a 401(k) isn't the only choice and that some options are built specifically for smaller teams.

07/31/2026

Summer travel may come with higher costs this year, as airfare, gas, lodging, dining, and activities all reflect broader price pressures.

Average domestic airfare is about $383, up $89 from last year, while gas prices have risen $1.42 per gallon from a year earlier.

Other travel-related expenses are also higher. Activities are up by more than 5.5%, lodging costs are up by 4.3%, and dining out prices are up by more than 3.6%.

Even with higher prices, many Americans are still taking trips, though some may choose destinations closer to home to help manage overall costs.

These trends show how inflation can affect more than everyday essentials — it can also shape how households approach travel, leisure, and seasonal spending.


Source:

Gas prices, airfares, accommodations and other vacation essentials are more expensive this year compared to last year.

07/23/2026

If you live to 95, will your money?

If you're too aggressive, will you come up short? Too conservative, and you leave quality of life on the table.

Also, will the life you are living at 70 change as you age? Have you considered how changing withdrawal rates can affect everything from estate management strategies to retirement strategies?



Disclosure: The portfolio is composed of 50 percent stocks, 40 percent bonds, and 10 percent Treasury bills. It is assumed that a person withdraws a hypothetical percentage each year. Historical returns based on the period January 1, 2001, to December 31, 2025. Stocks are represented by the Standard & Poor's 500, which is an unmanaged group of securities & considered to be representative of the US stock market. Bonds are represented by the five-year U.S. government bond and Treasury bills by the 30-day U.S. Treasury bill. An investment cannot be made directly in an index. Past performance is no guarantee of future results.

07/16/2026

One of the most overlooked questions in building a retirement strategy isn't "How much do I have?" It's "When do I need it?"

That's exactly what a bucket strategy does. It matches your assets to your timeline, so every dollar is working as hard as it can for as long as it can.

Do your buckets match your time horizon?

07/09/2026

There are four ways to approach risk. You can ignore it or avoid it entirely. Or managing it carefully. Or transferring it through insurance.

Every one of these can work, but the key is knowing which one you're choosing and why.

Of these four approaches, which one do you instinctively reach for?

07/04/2026

Independence isn't just a date on the calendar; it's woven into our everyday lives. Today, we come together to celebrate the nation we love!

What are you up to this Independence Day? Kicking back in the sun and firing up the grill, or diving into festivities with friends and family? Post your plans below!

From my family to yours, here's to a fantastic Independence Day! Isn't it incredible to call America home? God bless the USA!