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

How to Crack Into the World of Financial Planning

by Ray Sagner on Dec 14, 2017

Millennials get a bad rep. Too often does the media say that they’re lazy, unmotivated to work hard, and frivolous with their spending habits. On a weekly basis, absurd articles pop up criticizing lifestyles, going as far as saying that buying avocado toast is the reason so many can’t afford a house… Ridiculous, right?

Financial literacy needs to be integrated into the education system, until then, savings, 401Ks, retirement planning all seem like too daunting of problems to tackle. So the question looms, how does the average millennial - aka young person - crack into the world of financial planning?

Sadly, the answer isn’t simple. But there are two things you can do to turn that mountain into a molehill:

1. Approach your finances realistically

2. Knowledge is POWER

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Student Debt - 4 Tips to Get Your Finances to a Passing Grade

by Ray Sagner on Dec 7, 2017

So you’ve got your degree, now what?

These days, only on television is landing your dream job after graduation a thing that could actually happen. The reality is, in a recent survey of 503 - recent grads - entry-level job seekers by national career matchmaking firm GradStaf, “nearly 70 percent of respondents were either unemployed or working in a full-time non-professional job to make ends meet.” Pair that with the idea that ‘the average cost of one year at a public university for an in-state student is $20,090. That increases to $34,220 if you hail from out of state,” student debt is something far too many millennials have to face.

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3 Ways to Tap Your Life Insurance While You’re Living

by Ray Sagner on Dec 4, 2017

Most financial planners agree that life insurance is essential for protecting families against financial loss, which is why many recommend purchasing the maximum amount needed at the cheapest cost using a term policy. Where they start to diverge in their thinking is in any discussion about life insurance as an asset. Clearly, term life insurance would not be considered an asset as it is purely a death benefit with no savings element. However, cash value life insurance is definitely an asset, especially when you consider its unique properties and its ability to fund certain needs while you are alive.

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