Legacy Wealth Management

10/14/2026

Medicare Open Enrollment begins October 15 and runs through December 7, giving you a window each year to review your coverage and make changes for the year ahead. During this period, you can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, or update your Part D prescription drug coverage, with any changes taking effect on January 1. Even if your current plan has worked well, it is worth checking for adjustments to premiums, drug formularies, and provider networks, since plans can change from year to year. If you have questions about how a coverage change might affect your broader retirement income and tax picture, our team is glad to talk it through with you.

10/13/2026

10/12/2026

An inheritance, a legal settlement, or the sale of a business can each bring a sudden shift in your financial picture, and the instinct to do something with the money right away is usually the wrong one. The first move that actually helps is to slow down: parking funds in an insured savings or money market account while you get oriented rarely costs you anything meaningful. From there, building a complete financial picture, including tax exposure, existing debt, and long-term goals, should come before any major decision gets made. Our advisors work with clients navigating these transitions to move from disorientation to clarity at a pace that actually holds up over time.

https://www.legacywealthky.com/financial-planning-for-sudden-wealth/

10/09/2026

We just finished a great book by .korman, called the 168 Game. Our next read is Atomic Habits by James Clear. What is your favorite motivational, life changing book?

10/07/2026

Building an investment strategy is not just about picking investments; it is about making sure every account works together toward the same goal. Our advisors review your current holdings across 401(k)s, IRAs, and taxable accounts to build a coordinated asset allocation that reflects your risk tolerance, time horizon, and financial goals. As your life changes through a new job, a market shift, or an approaching retirement date, that allocation needs to be revisited rather than left on autopilot. Legacy Wealth Management combines ongoing portfolio review with in-depth research and analysis so your strategy stays intentional rather than reactive.

https://www.legacywealthky.com/wealth-management-services/investment-management-lexington-kentucky/

10/05/2026

Josh Dunn, CFP®, a wealth advisor at Legacy Wealth Management, was recently featured in Rethinking65, writing about the financial complexities that come with marrying or remarrying later in life. The piece explores why couples in retirement often benefit from a prenuptial agreement, not as a hedge against divorce, but as a way to clarify how assets will be handled and who they are ultimately intended to support. Josh also walks through how a new marriage can affect Social Security survivor benefits, Required Minimum Distributions, and Medicare premium surcharges, along with how Medicaid rules treat a couple's combined assets when long-term care becomes a factor. You can read the full article through the link below.

https://rethinking65.com/marrying-in-retirement-is-a-prenup-really-necessary/

09/28/2026

Balancing a demanding career, a growing family, and a long list of financial priorities leaves little time to sit down and map out a plan. The team at Legacy Wealth Management brings structure to decisions like maximizing retirement contributions, coordinating pension and benefit choices, and building a strategy for a child's education alongside your own long-term goals. We also help you understand how cash flow, taxes, and risk management fit together, so your financial decisions support both the life you are living now and the one you are working toward. You have built your success through hard work, and a clear plan helps make sure that work continues to pay off. https://www.legacywealthky.com/clients/blue-collar-professionals-financial-planning/

09/23/2026

Few questions generate as much back-and-forth as when to do a Roth conversion, and the honest answer is that timing has less to do with the market than most people assume. A conversion made while your income is temporarily lower, such as in the years between leaving a career and starting Social Security, can mean paying tax now at a rate well below what you might face later in retirement. Converting early in the year offers more time for tax-free growth, but waiting until closer to year-end gives you a clearer picture of your total income and lets you fine-tune the amount to stay within your target bracket. Our advisors help clients align conversion timing with their full financial picture rather than treating it as a one-time decision made in isolation. https://www.legacywealthky.com/when-to-do-roth-conversion-timing-strategies/

09/22/2026

There's a line between giving an heir every advantage and removing every consequence, and too often families cross it without noticing. Our latest blog looks at the guardrails that can help the next generation build judgment before the wealth arrives. https://www.legacywealthky.com/empowering-heirs-with-wealth/

A trust document alone won't prepare an heir. Empowering heirs with wealth takes clear communication, honest expectations, and well-designed guardrails.

09/21/2026

Estate planning is not only about what happens to your assets, but it is also about making sure your intentions are documented clearly enough that your family never has to guess. Our advisors help clients prepare and update wills and trusts, explore tax-efficient giving strategies, and think through how assets will transfer across generations in ways that reflect the causes and people that matter most to them. For clients with philanthropic goals, we also help align charitable giving with the rest of the financial plan so generosity and long-term security can work together rather than compete. A plan that is documented today saves your family from difficult decisions later.