Products & Services

The Capital Legacy, LLC is an independent wealth management company which offers an assortment of investment products listed on the stock exchanges, and over the counter through our broker/dealer, LPL Financial.  We offer a wide range of products and services to individuals, families and business.  We specialize in providing comprehensive planning for physicians, business owners and high net-worth families.

Financial Planning

It is the foundation, rather “cornerstone” of the broad and comprehensive planning for the family.

Before analyzing the bigger financial picture like retirement/taxation and estate planning we propose a summary report for our clients based on their short/long-term needs and goals.

Investment Services

The Capital Legacy is an independent wealth management firm.  Therefore, we have access to a wide variety of investment vehicles designed to help high net-worth individuals, families and businesses pursue their financial goals.  Together with our money managers, we can build an investment plan suited to your needs and goals.

Risk Management and Insurance

Life can change in the blink of an eye and our financial security can easily be taken away from us in the event of an accident, illness or other misfortune.

Life Insurance can be an essential tool to protect your family after you are gone.  We can help you determine which type of life insurance would be most beneficial based upon your situation.  We can guide you to set up the ownership and beneficiaries of your policy in order to minimize your income and estate taxes and provide the optimum coverage for you and your family.

Disability Insurance -In the event of an accident or unexpected illness a person may be disabled resulting in a “loss of income” for months or even years.  Based on the individual income needs, we develop and implement the appropriate plan selected by the clients to protect them from a potentially disastrous income loss.  For corporate owners, we can implement a plan to cover the normal overhead expenses in the event of disability.

Long-Term Care Insurance provides payments for daily care needed over a long period of time due to illness, disability or other serious conditions which prevent someone from performing two or more activities of daily living (ADL).

Let The Capital Legacy do an in-depth analysis and provide you with a variety of life, disability and long-term care insurance options so that unforeseen events don’t wipe out a lifetime of hard work and savings.

Retirement Planning

Retirement is a life event that includes dreams of travel and the pursuit of life on your own terms.  Let us help you plan so that you are financially prepared to support your dreams.  There are many ways to save for retirement. The Capital Legacy can tailor a qualified retirement plan that makes sense for you.  We’ll make sure that your investment risk and contributions are at the proper levels at each stage of your career so that when you do retire, you will be ready for any adventure.

Estate Planning

Estate Planning should be considered when your goal is preserving and protecting the assets you’ve worked so hard to build.  Proper estate planning can reduce your tax liability, provide for your loved ones and assure that your assets are distributed according to your goals and objectives.

In partnership with selected attorneys and tax professionals, we develop a comprehensive estate plan which allows you to seamlessly pass your legacy on to your heirs while minimizing taxes and protecting your assets.  Our planning also allows for charitable funding for your chosen causes, proper care of minors and disabled family members, financial securities should you become incapacitated, and the avoidance of the lengthy and difficult probate process.

Charitable Trust Planning

If the Estate Analysis report indicates significant estate losses upon the client’s death due to various taxes, Charitable Trust planning may be necessary.  With more sophisticated planning, it may be possible to substantially reduce these taxes.  We can provide a complete analysis and implementation of charitable trust planning, in addition to the basic estate planning.  The client’s attorney, after reviewing our analysis, may recommend and prepare the necessary documents to accomplish the desired results.

Business Planning

For physicians, dentists, corporate owners, executives and employees, we provide various benefits as follows:

Qualified Plans:  We help design and administer “customized” plans for corporations and self-employed business owners.  These plans include pension/profit sharing, 401(k), defined benefit 412(i), ESOP and so on.

Executive Benefits:  For corporate executives and key people, we can create a special fringe benefit package, in addition to the qualified plans on a tax favored basis.  Such a package includes deferred compensation, income protection under long-term disability, long-term care, etc.

Business Continuation Plans:  We provide Buy/Sell agreements, Key person insurance, and other solutions to assure business continuation under any potential adverse situations, such as death or disability.


Special Services


Since 1990, we have developed and offered numerous educational seminars, both public and private, for the benefit of individuals as well as corporations.  Through these seminars, we have disseminated vital knowledge of financial, retirement, and estate planning for families and corporate employees.

Upon request, we offer seminars in the areas of business, retirement, and estate planning to educate the audience to improve their understanding and help them take proper action for their respective needs.