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The Financial Advisors and Consultants at Legacy Financial Services, LLC, are uniquely qualified in the areas of Divorce Analysis & Support, Annuities, Life Insurance, and Retirement Planning. Through an extensive discussion process, we learn what the client's goals are, address their concerns and help our client prioritize, provides strategies and help our clients to implement a plan to help reach their goals. Our objective is to determine how we can add value to the client's situation. Ultimately, the client should have a plan and course of action that brings him or her financial confidence.
Our success can be directly attributed to our ability to educate our clients, help them clarify and prioritize their financial goals, implement a plan of action and then follow up with timely and effective ongoing client service.
- Pre-Divorce Financial Counseling and Planning - help a spouse get more comfortable with their new financial responsibilities
- Equitable Settlement Solutions - help quantify and visualize what is a fair settlement
- Income Projections and Calculation of Future Values of Assets - help plan future income streams generated by their assets
- Pension Valuation - what is the value of the Pension that is to be divided? What investment vehicle is it in and what are the options
- Retirement Plan Withdrawals - will there be a need to withdraw funds from retirement assets for financial needs today? Careful planning may help clients make better decisions pertaining to taxes and early withdrawal penalties.
- Pension and Employee Benefits Valuation - place a dollar value on these assets today so you can mediate a fair division of future assets
- Healthcare Planning - ensure that you or your clients are informed of COBRA coverage rules and their options
- Insurance Planning - help you or your clients protect alimony, child support, and retirement benefits from death or disability
- Business Valuation- ensure that you or your clients understand the financial aspect of the value of a business.
- Expert Testimony- Should the need arise, our firm can offer expert testimony
- Lifestyle Analysis- Analysis of current lifestyle
After the Divorce Process:
- QDRO Consultation and Drafting - you've negotiated the settlement, now your clients need to divide the retirement assets. Help your client ensure they get their portion of the assets and minimize any taxes or penalties. Our QDRO services include a financial consultation to help the client make the most beneficial use of these assets today and in the future.
- Post-Divorce Financial Planning and Investment Solutions - After divorce, significant assets are often put in the hands of a spouse who is not used to dealing with money. Help your or your client maximize their financial situation and learn fiscal responsibility so they can live the best financial future possible.
Evaluating assets that are to divided including before tax and after tax evaluations, hidden capital gains received from investments and/or sale or transfer of a home, retirement plans (including pension, IRA's 401K plans, deferred compensation plans, etc), employer stock options, life insurance, business partnership agreements, and dividing debt is just the beginning of a list of issues that should be reviewed and discussed prior to settlement. Other issues may include:
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