For Business Owners
Your business takes care of everyone else. Who is taking care of your financial future?
- •High tax exposure
- •Retirement planning
- •Partner protection
- •Key employees
- •Debt and cash flow
- •Business succession
- •Creating liquidity
Legacy Banking & Insurance Solutions
Financial Consulting Firm & Insurance Agency
Insurance · Retirement · Cash Flow · Legacy
Protect What
You’ve Built.
Build What Comes Next.
Insurance, retirement, cash-flow and financial strategies designed to help business owners, families and professionals protect income, reduce debt, prepare for retirement and create a lasting legacy.
Education firstIndividual strategyCoordinated planning
For Families & Individuals
Protect today while preparing for tomorrow.
- •Family protection
- •Debt reduction
- •Retirement income
- •Accessible cash value
- •Long-term care
- •Income protection
- •Legacy planning
Start With the Problem
What keeps you awake at night?
Financial planning often begins with a specific worry. Choose the question that sounds most like yours.
“I’m paying a lot in taxes.”
Explore business retirement strategies
“Most of my wealth is tied up in my business.”
Build liquidity and an exit path
“What happens if my partner dies?”
Review Buy-Sell planning
“What happens if I lose a key employee?”
Evaluate Key Person protection
“How will I eventually leave my business?”
Create a succession strategy
“How do I get out of debt faster?”
Explore the Debt Action Plan
“How can I protect my family and stay flexible?”
Explore life insurance and cash value
“How do I create reliable retirement income?”
Explore annuity and income strategies
A More Deliberate Debt Strategy
See What Your Debt-Free Date Could Look Like.
We use the copyrighted Debt Action Plan software to analyze your actual debts, payments, income and cash flow. It can model alternative payment strategies and illustrate potential payoff timelines and interest savings based on the information entered.
For some clients, the Debt Action Plan may illustrate a path to eliminating eligible debt in nine years or less—based on their actual numbers and consistent implementation of the strategy. Results vary and are not guaranteed.
Traditional path
IncomeMonthly expensesMinimum paymentsInterestLong-term debt
Debt Action Plan
Analyze cash flowPrioritize debtAccelerate payoffRedirect freed-up payments
The Business Lifecycle
Start. Grow. Exit.
Every stage creates a different financial question. Protection lays the foundation. Benefits and cash flow support growth. Succession turns business value into personal independence.
01
START
Protect the foundation.
- — Owner protection
- — Key Person
- — Buy-Sell
- — Disability
02
GROW
Protect cash flow while building value.
- — Retirement plans
- — Executive benefits
- — Retention
- — Debt management
03
EXIT & RETIRE
Turn success into independence.
- — Succession
- — Partner buyout
- — Pension strategies
- — Retirement income
Owner-Focused Retirement Planning
Could a 412(e)(3) make sense for your business?
A qualified, fully insured defined-benefit pension plan may help a consistently profitable business make larger retirement contributions—subject to plan design, actuarial work and professional review.
Explore the 412(e)(3) Strategy
Potentially convert part of today’s tax liability into long-term retirement benefits.
- Owner and participating employee benefits
- Plan-specific deductible contributions
- Potential for significant owner-focused benefits
- Required actuarial, tax and legal review
Our Process
We help you understand the strategy before asking you to buy a product.
01
DISCOVER
We learn about your family, business, cash flow and goals.
02
ANALYZE
We identify risks, opportunities, debts and gaps.
03
DESIGN
We evaluate strategies and explain the tradeoffs.
04
IMPLEMENT
We coordinate appropriate solutions and specialists.
05
REVIEW
We revisit the strategy as life and business change.
Why Legacy?
Sophisticated without being complicated.
Education Before Products
We explain the strategy before discussing implementation.
Business + Personal Perspective
Owners often need company and household finances considered together.
Cash-Flow Focus
Progress often starts with understanding how money moves.
Coordinated Planning
We coordinate with CPAs, attorneys, pension professionals and other advisors when appropriate.
Client Stories
Real People. Real Experiences.
Financial strategies become meaningful when you see the difference they can make in people's lives and businesses.
Debt Action Plan Success Story
$317,461 IN DEBT
LESS THAN 4 YEARS
Kirk and Karen’s Legacy Banking success story reports that they eliminated $317,461 in debt in less than four years using a Debt Action Plan and a disciplined cash-flow strategy.
Debt Action Plan Success Story
$370,978 IN DEBT
UNDER 9 YEARS
Carl and Jane’s Legacy Banking success story reports that they eliminated $370,978 in debt in under nine years through strategic planning and consistent implementation.
Google Review
Client-service experience
Indexed Universal Life
“Christian Plotegher was fantastic to work with! He made the process of setting up my IUL simple and stress-free. Clear, knowledgeable, and genuinely helpful. I highly recommend him.”
Individual experiences and results vary. Testimonials and case studies reflect the experiences of the individuals described and do not guarantee similar results for other clients. Financial outcomes depend on individual circumstances, assumptions, implementation and other factors.
View all client storiesYour next step
Bring the problem. We’ll help you understand the strategy.
Real strategies. Individual plans. Personal guidance.