President Obama designated October as National Cyber Security Awareness Month to raise awareness of threats to the data systems that have become part of our everyday lives and to encourage each of us to take steps to safeguard those systems. We’d like to share with you a few recent scams and tips to help ensure…

Too often these days’ market pundits, academics, and other media outlets define risk as volatility. They continue to pound the table stating that the more violently the price of a security wiggles around on a chart the more risky it is. The thought goes that if it can be measured and quantified then it is…

We have the privilege of working with many clients on a very personal and technical level. Our role is to help clients get from point A to point B. Very rarely is that route linear, which means we devise many different paths in order to provide options to achieve what matters most to each relationship.…

As you know, August has brought significant volatility to the stock market with both the S&P 500 and the Dow Jones Industrial Average dropping 5.8% last week and another 4% on Monday. The selloff came amidst continued declines in oil prices, economic turmoil in China, and uncertainty from the Federal Reserve as the minutes from…

For anyone who relies on an investment portfolio for a significant amount of their retirement income, volatility control is critical to ensuring that the portfolio will survive a long retirement.  On average, a retiree will experience 5 down years in the market during any given 20 year period.  As those who retired in the mid…

The tendency to invest disproportionately in your own country is known as home country bias and is a common inclination for investors all around the world. Note: this tendency is referred to as a bias for a reason – it can lead investors to make decisions that are in conflict with fundamentals. It is easy…

In this edition of our monthly newsletter, we would like to personally thank Legacy Trust co-founder, Bob Prevette. After eleven successful years, Bob will be retiring at the end of June. His valuable expertise combined legal, fiduciary, planning and sales expertise that directly influenced Legacy’s growth. Bob’s unwavering client-first philosophy and ethical leadership provided the…

We sat down with Tom Blower, a Senior Wealth Planner at Legacy Trust, to talk about retirement planning and supplemental retirement income. Q: What is supplemental retirement income and why is it desirable for retirement planning? A: Supplemental retirement income is any additional source of income produced through part-time work after retiring from full-time employment.…

At a prior firm, one of my co-workers introduced me to a husband and wife who had been clients for many years.  The husband was planning on retiring in the next few years and they were going to begin working with me to financially prepare for that next step.  Never did they starve themselves from…

Are you caring for someone that was born with a disability, or a person that has been injured in an accident and requires some extra care? Is there someone in your life that will need ongoing assistance that you would like to help provide for? If you have answered yes to any of these questions,…