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 Choose a Life Insurance Agent

by Ray Sagner on Feb 15, 2018

Buying life insurance usually starts with trying to determine how much and what type you should buy. You will probably need some help making those decisions, so following is some insight on how to choose an agent who can help you make a smart life insurance buying decision.

All life insurance agents are required to be licensed by the state where they intend to make sales and to take continuing education courses. Agents selling variable life or variable universal life insurance must also have a Series 6 and a Series 63 license due to the investment nature of those products.

One common way to choose an agent is to ask a trusted friend or relative for a referral to an agent. The agent you are referred to may have earned one or more of the following professional designations:

  • Chartered Life Underwriter (CLU)
  • Chartered Financial Consultant (ChFC)
  • Certified Financial Planner (CFP™)
  • Life Underwriting Training Council Fellow (LUTCF)

Let’s take a look at the two broad categories of agents:

Traditional Agents

For many years, your choice was limited to the following home service agents who would visit you at your home or office or ask you to go to his/her office.

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Will Retirement Investors Tolerate the Next Big Downturn? The Case for Fixed Indexed Annuities

by Ray Sagner on Feb 8, 2018

No one can predict with any degree of certainty when the next market correction or bear market will occur, or how long it will last. What we do know is that, at eight years and counting, the current bull market has lasted twice as long as the average bull market. It’s safe to assume that investors, who are experienced in the ways of market cycles, have taken measures to prepare their portfolios for the likelihood of a market decline and renewed volatility. While that might ease their minds, it may not be enough to calm the nerves of those who are still reeling from the last market crash.

What Retirement Investors Really Want

Most retirees would rather not have to worry about their retirement assets losing value; but they also need to be able to generate returns that can at least keep pace with inflation. An ill-timed stock market decline can derail a retirement income plan and low-yielding vehicles can’t generate the income needed to support a comfortable lifestyle for 25 years or more. With their ability to shield their assets from stock market volatility while capturing a portion of stock market gains, indexed annuities may be the alternative retirees are looking for.

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Financial Planning for Newlyweds

by Ray Sagner on Feb 1, 2018

Congratulations Newlyweds! Your fresh union symbolizes a new beginning facing the world. But before the glow of wedded bliss wears, it’s crucial to talk about finances. Let’s be straight, financial talks should be had well before the ring, but did you know that “68 percent of engaged couples surveyed held a negative attitude about discussing money with their fiancé.1

That’s a staggering percentage of couples who are afraid to have ‘the talk’. Below are a few tips and areas to consider if you’re in a serious relationship, newly engaged or if you’ve tied the knot!

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