Legatum Financial LLC

Legatum Financial LLC Legatum Financial LLC provides quality financial strategies, and offers insurance and financial prod

Sofia Dumansky, CFP, MBA, MSM, LUTCF, CLTC is an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the states of CT and MA. No insurance business may be conducted outside this/these state(s) referenced. Additionally, Sofia Dumansky, CLTC, MSM, MBA is a Registered Representative of and offe

rs securities products & services through NYLIFE Securities LLC, (Member FINRA/SIPC), A Licensed Insurance Agency . In this regard, this communication is strictly intended for individuals residing in the states of CT and MA. No offers may be made or accepted from any resident outside the specific state(s) referenced. 100 Northfield Dr Suite 200 Windsor, CT (860)298-1064. Sofia Dumansky, CLTC, MSM, MBA is a Financial Adviser offering investment advisory services through Eagle Strategies LLC, A Registered Investment Adviser in the states of CT and MA. As such, these services are strictly intended for individuals residing in the states referenced. Neither Legatum Financial LLC nor New York Life Insurance Company, nor its agents, provides tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions. Legatum Financial LLC is not owned or operated by New York Life Insurance Company or its affiliates. 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.

If you have deferred compensation through your employer, here’s something worth knowing before your next enrollment peri...
06/01/2026

If you have deferred compensation through your employer, here’s something worth knowing before your next enrollment period.

Deferred comp is an unsecured liability — not protected like a 401(k) — and the tax benefit depends entirely on your income bracket at distribution. For many executives, that bracket is higher than expected.

Three questions to ask now — details in the post below.

Most financial plans tell you what to do. Fewer explain why.For analytical clients — physicians, executives, engineers —...
05/29/2026

Most financial plans tell you what to do. Fewer explain why.

For analytical clients — physicians, executives, engineers — that’s not good enough. They want to understand the logic, not just implement the steps.

A plan you understand is one you’ll actually stick with.

The right question about long-term care isn’t “can I afford it?” — it’s “do I want to spend down the assets I planned to...
05/27/2026

The right question about long-term care isn’t “can I afford it?” — it’s “do I want to spend down the assets I planned to leave my family?”

Memory care in Connecticut and the Northeast can exceed $150K/year. The planning conversation is best had now, before health changes what’s available.

Lump sum or annuity pension — it’s a permanent decision that most executives make without fully modeling it.The right an...
05/25/2026

Lump sum or annuity pension — it’s a permanent decision that most executives make without fully modeling it.

The right answer depends on your health, tax situation, other income, and your spouse’s needs. There’s no universal answer — but there is a right answer for your specific situation.

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.

Early in my practice I worked with everyone. I was doing good work — but not my best work.The clients where I added the ...
05/22/2026

Early in my practice I worked with everyone. I was doing good work — but not my best work.

The clients where I added the most value were physicians and executives with genuine complexity. They asked hard questions, they engaged deeply, and they pushed me to be better.

I made a deliberate choice to focus there. Best decision I’ve made for my practice

Most physicians I talk to have group disability coverage through their hospital. Most of them are still significantly un...
05/20/2026

Most physicians I talk to have group disability coverage through their hospital. Most of them are still significantly underinsured.

Group policies have four gaps that matter: they cover base salary only, they’re rarely own-occupation, they’re tied to employment, and the benefits are often taxable.

Individual own-occupation coverage is the foundation everything else sits on.

Most physicians know about the 401(k). Fewer know about the cash balance plan — which can shelter significantly more inc...
05/18/2026

Most physicians know about the 401(k). Fewer know about the cash balance plan — which can shelter significantly more income from taxes each year.

For the right practice owner, this is one of the most powerful tax planning moves available. It’s not for everyone, but if you have stable practice income and you’re within a decade of retirement, it’s worth understanding.

Life insurance has a reputation for being oversold. That reputation isn’t entirely undeserved.But for physicians and exe...
05/15/2026

Life insurance has a reputation for being oversold. That reputation isn’t entirely undeserved.

But for physicians and executives, the right coverage solves specific problems: income replacement, estate liquidity, business protection, and in some cases tax-advantaged accumulation.

The frame that matters: what problem are we solving, and is this the best tool for it?

Address

100 Northfield Drive Suite 200
Windsor, CT
06095

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Legatum Financial LLC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Legatum Financial LLC:

Shortcuts

Share

Category