As experienced independent advisors and financial planning professionals, we pledge to uphold the highest standards of integrity and place your best interests first as we help you accumulate, preserve and transfer your wealth.
The Legacy Difference
It’s not difficult to find an investment advisor who can tell you how to invest your money, but how do you know if the advice you receive is truly in your best interests and not simply your advisor’s?
At Legacy Financial Planning, our emphasis is on client care and comprehensive planning, not investment product sales. As a result, we provide guidance across a broad range of factors that contribute to your overall financial well-being that go well beyond investment advice. This may include helping you make informed decisions about where to live in retirement; how to find the appropriate elder care resources for your needs; how to support the charities or groups you’re passionate about in the most tax-efficient manner, and much more.
Our commitment is to walk beside you every step of your journey into and through retirement, serving as your advocate and guide. This is a leading reason why so many of the client relationships we develop quickly become meaningful and enduring friendships.
- Our planning process begins with getting to know you to determine what matters most to you and your family before we even think about making financial recommendations.
- We equip you with the information and education you require to make confident decisions about your money.
- We work with you in a collaborative manner that clearly respects your role in the process and keeps you in control of your money.
- The result is a plan that is a true reflection of your goals and values as we work together to help protect and grow the income you will depend on throughout your years in retirement.
We Serve You, Twofold.
Our advisory structure is a true partnership—every client receives the attention of both our principals
When you partner with our firm, you will work directly with both of our firm’s principals to develop a close relationship that helps ensure all your needs are addressed. In addition, you are considered a client of our entire firm and will benefit from the extensive personal and professional knowledge each of our advisors can offer, including experienced paraplanner and dedicated case manager resources. Count on us to adhere to the principles of honesty and integrity, as we provide objective advice carefully chosen for your unique circumstances. Learn more
Adhering to a high fiduciary standard
Our team brings you more than 35 years of collective industry experience, led by principals who have each attained multiple professional designations and certifications, including Certified Financial Planner™ practitioner, Chartered Life Underwriter® (CLU®), Chartered Financial Consultant® (ChFC®), Certified Fund Specialist® (CFS®) and Chartered Advisor for Senior Living®. These certifications signify our standard of excellence and commitment to continuing to educate ourselves for your benefit – giving you confidence that we will help you make the most of your investments as you pursue financial independence and strive to provide a legacy for future generations.
The CFP® difference
Many professional advisors, including accountants, attorneys, stockbrokers or insurance agents focus on a particular area of your financial life. As a Certified Financial PLANNER™ professional, Tammy Mogilski approaches planning from a holistic perspective. Before recommending a course of action, she and the Legacy Financial Planning team take the time to get to know and understand you, your family and your priorities in life. Only then can a comprehensive written plan be developed that truly reflects your needs and goals across all aspects of your life.
CFP® Certification - The Standard of Excellence
Only a select group of planners have met the rigorous education, examination, experience and ethics requirements set forth the by Certified Planner Board of Standards. The certification is a strong indication of an advisor’s status as a qualified, trustworthy financial planner.
Focus on education
Legacy Financial Planning co-founders, Tammy Mogilski and Brian Bedford, teach retirement and financial planning in the community—at workshops, colleges, and private and public presentations. They also provide on-air contributions to the Rochester CBS morning news program and 1180 WHAM radio’s weekly “Ask the Experts” show. Learn more
Broad market access and investment expertise
Our non-proprietary, open-architecture investment platform provides access to the universe of industry leading investments products and portfolio managers to select among in constructing your portfolio. This includes access to many institutional investment managers and sophisticated investment strategies that other advisors may not have access to or the knowledge or experience to seek out.* Learn more
As independent investment fiduciary advisors, we help manage the constraints and conflicts of interest inherent in most traditional brokerage models:
- We have no obligations to investment product manufacturers, and
- No cross-sell quotas or home-office directives that may lead to conflicts of interest
- We spend our time developing customized strategies for the unique challenges you face
Coordination across multiple financial disciplines
Our experienced advisors have spent decades developing expertise in financial and retirement planning; estate and legacy planning; and insurance and risk management. We have also taken the time to develop relationships with professions adept in financial disciplines outside of our immediate areas of specialization. Together with the external team of professional partners we have assembled, we strive to address all of your wealth management needs. We can work on your behalf to coordinate the activities of these professionals and are also happy to work with your existing team of attorneys or tax advisors to coordinate strategies and ensure your best interests always come first. Learn more
We will work with you to share our deep knowledge of wealth management in a clear and helpful manner. We are committed to educating you so you can make confident decisions about your wealth. You will experience not only a high level of responsive service, but proactive service that seeks to deliver on our commitment to provide the advice and ongoing support you require.
LPL Financial serves as the custodian for all client assets and provides us with unbiased research and a comprehensive array of tools, resources and technology. Because LPL Financial has no proprietary products to sell, we have the freedom to offer you objective financial guidance and investment recommendations. Private Advisor Group provides compliance supervision and business development resources among other services as we seek to provide our clients with an exceptional advisory experience. Together, these organizations provide an added layer of confidence to our clients and the knowledge that these organizations stand behind our work and the services we provide.
Contact Us today to begin making a difference for your financial future.
*No strategy ensures a profit or protects against loss. Investing involves risk including possible loss of principal. Past performance is no guarantee of future results.
**As reported by Financial Planning magazine, June 1996–2013, based on total revenue.