Legacy AscentWealth Schedule a Conversation

Our approach

One process. A customized trail.
A clear map of what comes next.

Every client follows the same five-step process—the Summit Ascent Pathway—but the trail through it is yours. Here is how the two fit together, what we coordinate, and what to expect along the way.

The Summit Ascent Pathway

Your next chapter.
A clear path forward.

Five stages, in order. The first two are about deciding whether we’re the right fit; the last three are the work we do together once you engage us.

  1. 01

    Explore

    A conversation about your goals, concerns, and what matters most—so we can both decide whether we’re the right fit.

    You leave withClarity on your priorities—and whether we’re the right team to help.
  2. 02

    Stress Test

    We test your current plan against markets, taxes, healthcare costs, and a long life to find opportunities and tradeoffs.

    You leave withWhat’s working, what’s exposed, and what it would take to fix.
  3. 03

    Design

    Once you engage us, we build your income, investment, tax, and protection strategy as one written plan.

    You leave withA plan you understand and could explain to your family.
  4. 04

    Build

    We put the plan into action—accounts, withdrawals, tax moves, protections—coordinated with your CPA and attorney.

    You leave withYour strategy put into action, with guidance through each step.
  5. 05

    Guide

    We review, adjust, and keep you informed as markets, tax law, and life change.

    You leave withOngoing guidance, and a plan that adjusts with you.

Why coordination matters

Every decision affects the bigger picture.

Take one ordinary choice—withdrawing money from your portfolio. It changes which assets you sell, your income this year, the taxes you owe, what you pay for Medicare, and what remains for later. We plan for all five together, so one good decision doesn’t quietly create three problems.

How one withdrawal connects to five other decisions A portfolio withdrawal in the center links to which assets to draw from, retirement income, taxes this year, Medicare premiums, and what remains for later. ONE DECISION A portfolio withdrawal Which assets to draw from …and which should stay invested Retirement income How much you can spend Taxes this year Which bracket you land in Medicare premiums Income two years later sets them What remains For later years and for family
One withdrawal, five consequences. Coordinated planning means choosing the amount, the account, and the timing with all five in view.

Your planning lens

Your TRAIL is different.

The process is the same for everyone. The trail is not. Many paths lead in the right general direction—only one is right for you. These five questions decide it.

  1. T

    Taxes

    Roth conversions, RMDs, IRMAA, and lifetime tax planning—not just this year’s return.

  2. R

    Risk / Reward

    Are your investments optimized for the risk you’re taking—and aligned with your goals?

  3. A

    Alignment

    Assets, income, taxes, and estate decisions aligned to one plan—so no piece works against another.

  4. I

    Income

    Social Security, pensions, and withdrawals combined into one dependable paycheck.

  5. L

    Legacy & Protection

    Survivor needs, long-term care, and beneficiaries, coordinated with your attorney.

What we coordinate

Six disciplines, one plan.

These are not separate services you buy à la carte. They are the parts of one coordinated plan.

Retirement income planning

Turn savings into a paycheck. A dynamic income strategy that adjusts to markets, tax law, and life, so you can spend with confidence.

Tax strategy

Coordinated planning around Roth conversions, Social Security timing, RMDs, and withdrawal sequencing—designed to keep more of your money working for you.

Investment management

A strategic portfolio approach that balances growth, risk, and flexibility, built around your timeline and income needs. Accounts are custodied at Fidelity.

Insurance & protection

Where appropriate, fixed insurance solutions for guaranteed income, long-term care, and survivor protection.

Legacy & estate coordination

Beneficiary design, charitable giving, and intergenerational strategies, coordinated with your attorney and CPA. We don’t draft documents; we make sure the plan works as intended.

Ongoing stewardship

Scheduled reviews, quarterly touchpoints, and adjustments as life, markets, and tax law change.

What to expect

How often we meet, and what happens when.

New clients typically meet with us three to four times in the first 60–90 days to build the plan and complete the key implementation steps. After that, we provide quarterly touchpoints and meet at least twice a year.

Days 1–90

Explore, Stress Test, and Design meetings. Your written plan takes shape and the first implementation steps are completed.

Quarterly

A touchpoint on what changed—markets, tax law, your life—and whether anything in the plan should move.

Twice a year

A full review meeting: income, taxes for the year ahead, portfolio, protection, and estate coordination.

Fit

Who this works best for—and who it doesn’t.

  • A good fit

    Pre-retirees and retirees who want the pieces connected

    People who want income, taxes, investments, and legacy decisions working together, who value clear explanations, and who want to understand their options.

  • Probably not

    Stock picking, day trading, or advice without coordination

    If you’re looking for someone to trade actively, or for the lowest-cost advice with no ongoing coordination, we’re likely not the right firm—and we’ll tell you so in the first meeting.

Take the first step

Let’s take a clearer look at your retirement.

A complimentary Explore meeting is the easiest way to see if we’re the right fit—no cost, no obligation. We’ll talk about where you are, what you’re hoping for, and what a clearer plan could look like.

Schedule a Conversation
Prefer to call?(651) 927-4124Monday–Friday, 9 am – 5 pm