Broker Check

Second Opinion

If you are already engaged with another financial advisor, Family Legacy Concepts offers a Second Opinion service.  With your interest top-of-mind, Scott Wells abides by the CFP Board’s Fiduciary Standard and the SEC Regulation Best Interest.  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 25+ years of experience working as a secondary advisor, complementing clients’ accountants, attorneys, bankers, insurance agents, and real estate brokers.  Many clients have 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, such as real estate, commodities, and private business equities and loans.

- 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, can be reviewed as well. 

- Retirement income and medical care expense planning, including management of Required Minimum Distributions from IRA's, Social Security claiming, and Medicare planning.

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 appropriate.