Our Services

The Legacy Group offers a strategic, competitive advantage by bringing together a team of expert resources to provide the very best in reputation, quality products and services. We feel that our resources are one of our best competitive advantages.

Advanced Retirement Planning Services: Through our relationships with various qualified plan providers, The Legacy Group, Inc. provides a complete range of services for qualified retirement plans from initial plan design, IRS filing, plan documentation, annual government reporting, as well as up-to-date annual reviews. We help you establish qualified retirement plans or revise your existing plans to help you solve your tax, investment, and other retirement concerns. Our goal is to try and use the latest and most advanced formula to maximize the owner/owners’ contributions and minimize the employee contributions.

Owner (Executive)/Employee Benefits: Our qualified and non-qualified employee benefit programs include:

  • Profit Sharing Plans
  • Defined Benefit Plans
  • 412(e)(3) Plans
  • Executive Bonus Plans
  • Deferred Compensation Plans
  • Salary Continuation Plans

Trust and Estate Planning Strategies**: Through the use of various trusts and other planning techniques, we can help you protect what you’ve worked a lifetime to build, and make sure that your assets are distributed as you want them to be. The Legacy Group, Inc. offers trust and estate planning strategies that help bring all the pieces of your estate plan together.

Captive Insurance***: A captive insurance company is one that insures the property and casualty risks of its parent company. A captive arrangement may be ideal for businesses looking to better manage their insurance needs, including cost, coverage and service. LEARN MORE

Premium Financed Life Insurance***: Wealthy individuals have the problem of preserving their wealth while paying huge estate tax bills. Even though the estate tax exclusion and transfer limits have changed over the past few years, the truly wealthy can't plan away all of the taxes that will be due. The IRS also limits the amount that can be transferred to the family or trusts without having to pay gift tax. LEARN MORE

Strategic Insurance Strategies: The Legacy Group, Inc. understands that life and disability insurance are about risk. Risk is the exposure to the possibility of loss. Risk can either be assumed, ignored, or transferred to a risk bearer. Through our association with some of the country’s leading insurance providers, we offer personal and business insurance plans that help protect you and your heirs in the event of income loss due to sickness, injury, or death.

Tax-Free Retirement Planning Strategy using permanent life insurance: The use of cash value life insurance to provide a tax-free resource for retirement assumes that there is first a need for the death benefit protection. Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. Surrender charges may reduce the policy’s cash value in early years.

Business Continuity Planning: The Legacy Group, Inc. works with equity owners to develop succession plans that can help to ensure the orderly transition of control upon the death, disability, retirement, or voluntary departure of an owner. We also perform the critical function of ensuring that your business continuity planning is effectively coordinated with their individual retirement and estate planning strategies.

Disability: Through some of the country’s leading disability providers, we help you design and implement: individual disability coverage, group disability coverage, business overhead expense, and disability buy/sell insurance for business buy/sell agreement.

Investment Services*: Through a team approach, our philosophy is designed to pursue relatively consistent long-term results for you. Whether you are planning for retirement, or striving to increase income and preserve capital during retirement, we consider the income tax ramifications of your investment strategy. We can help you select efficient programs for the contribution, accumulation, and distribution phases of your plan.

Liability Protection Strategies: Liability protection planning is intended to reduce the risk of financial loss resulting from future litigation and other potentially damaging situations. The Legacy Group, Inc., working with legal professionals, helps to coordinate your estate plans to protect your assets and help reduce your exposure to risk.

*Securities and investment advisory services are offered solely through Registered Representatives and Investment Advisor Representatives of Equity Services, Inc., Broker/Dealer and Registered Investment Adviser, Member FINRA/SIPC, One National Life Drive, Montpelier, Vermont 05604. (800)344-7437 The Legacy Group, Inc. and all other entities and individuals referenced are independent of Equity Services, Inc. unless otherwise noted.

** The use of trusts involves complex tax rules and regulations. Consider enlisting the counsel of an estate planning professional and your legal and tax advisors prior to implementing such sophisticated strategies.

***Creation of the Captive Insurance Company subsidiary and premium financing is arranged by an independent third party specialist.