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Second Opinion

If you are already engaged with another financial advisor, Family Legacy Concepts offers a Second Opinion service.  With your best interest in mind, we abide by the CFP Board’s Standards and the Fiduciary Duty regulations of Department of Labor.  Comprehensive financial planning takes into consideration not only each client’s financial assets, liabilities, income, and expenses, but also integrates client goals and contingency planning.

Scott Wells has 20+ years of experience working as a secondary advisor, complementing clients’ accountants, attorneys, bankers, insurance agents, and real estate brokers.  Many clients realized value by reviewing and modifying some of the following areas:

- Investment Portfolios – geared toward client’s specific time-horizons and goals. Performance, risk measures, and correlations are several of the dimensions analyzed.  Asset classes outside of stocks and bonds are included.

- Income Taxes – interactions with investment types and vehicles, to take advantage of tax-deferral, tax-free growth and income.  Managing capital gains in securities and real estate are included.

- In-force Insurance – such as Life, Disability Income, and Long-Term Care.  Annuities, with and without riders, are eligible for review, as well.

- Retirement income and medical care expense planning – claiming of Social Security benefits and Medicare are included.

Be assured that your free initial Second Opinion meeting will establish a foundation for either upgrading or fully developing your financial plan.  You will receive a proposal for a subsequent engagement, as needed.