Guiding wealth along the path of greatest good.

Guiding wealth along the path of greatest good.

Guiding wealth along the path of greatest good.

We specialize in providing financial planning advice and wealth management tailored specifically for you. While we work with a diverse clientele including foundations and sudden wealth (divorce or inheritance), our focus is clients ages 45 - 65 that are investing for retirement and planning for retirement income. Our value is in helping you develop a financial map and providing support to guide you down the path of greatest good. We are here to help you through life’s pivotal moments; planning for college, divorce, retirement, job transition, and business succession. We will be there for you because these are not merely events in your life, but part of an ongoing process from which you can benefit, grow and thrive.

The Legacy Group, Ltd. is a Fee-Only, independent Registered Investment Advisory Firm head-quartered in Salem, Oregon serving clients throughout the Willamette Valley and Central Oregon. Our advisers are Certified Financial Planner™ professionals. Ray Sagner, CFP®, has been in practice since 1998, joined the firm in 2003 and is the current owner. Ron LeBlanc, CFP®, the firm’s founder, has been in practice since 1982 and recently retired. Take a step towards greater financial contentment and contact us today.

Guiding wealth along the path of greatest good - we take our mission seriously. Wherever you are on your financial journey, we’re here to help.

Services

 

Full-Service Financial Consulting

The Legacy Group, Ltd. offers a variety of financial consulting services.

 

Fee-Only Professional Asset Management

At The Legacy Group, Ltd., all assets are managed on a Fee-Only basis.

Blog

Retiring Abroad

by Ray Sagner on Aug 9, 2018

If you’ve always dreamed of living abroad, now may be the best time. Today, there are around 400,000 American retirees residing outside the United States, with that number expected to grow over the next few years. Cost of living is often cited as one of the main reasons for the move. For example, in places like Mexico and Costa Rica, it’s possible to live off of a Social Security check, while enjoying a relaxing lifestyle in the process. Other retirees cite rising health care costs as a contributing factor in their decision to move out of the U.S.

If you’re drawn to the idea of living out your retirement years as an expat, experts suggest you spend some time in the area that you’re interested in to see if it’s a good fit. Renting for about six months will expose you to both the good and the bad that the country has to offer, and you can make the commitment to stay long term or move on to another location if the first one doesn’t feel right.

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Suddenly Disabled? Here’s What to do Next

by Ray Sagner on Aug 2, 2018

While no one expects to become disabled, 1 in 4 Americans do so prior to retirement age. An accident, an unforeseen medical event, a catastrophic injury can all lead to temporary or permanent disability. So, what happens when you suddenly find yourself unable to work?

Most people turn to Social Security Disability. Unfortunately, the Social Security Administration offers limited disability benefits that are notoriously difficult to obtain. Difficulty aside, if you are lucky enough to obtain benefits, you won’t receive much. In 2018, the average Social Security Disability check is a mere $1,197 per month. And to make matters worse, it can take up to six months from the time you become disabled to receive your first disability check.

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Infographic: First Time Investing for 20-Somethings

by Ray Sagner on Jul 26, 2018

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*This content is developed from sources believed to be providing accurate information. The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel. Individuals involved in the estate planning process should work with an estate planning team, including their own personal legal or tax counsel. Neither the information presented nor any opinion expressed constitutes a representation by us of a specific investment or the purchase or sale of any securities. Asset allocation and diversification do not ensure a profit or protect against loss in declining markets. This material was developed and produced by Advisor Websites to provide information on a topic that may be of interest. Copyright 2014-2018 Advisor Websites.

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