Straight answers to the questions people ask before they call.

What services do you provide?

• Retirement income planning (your paycheck plan)
• Tax strategy coordination—Roth planning, RMD planning, optimal withdrawal strategies
• Investment management aligned to your goals and risk comfort
• Social Security claiming strategy
• Legacy and beneficiary coordination, with your attorney
• Risk management planning, including insurance solutions when appropriate. Insurance products are typically commission-paid and disclosed in advance.

What does “comprehensive planning” mean here?

It means we coordinate the moving parts of your financial life—income, taxes, investments, Social Security, and legacy decisions—so they work together. The goal is to avoid blind spots where a good decision in one area accidentally creates a problem in another, such as higher taxes, Medicare premiums, or cash-flow strain.

Who is a good fit—and who is not?

We work best with pre-retirees and retirees who want a coordinated plan with income, taxes, investments, and legacy decisions working together. We may not be the best fit if you want stock picking, day trading, or the lowest-cost advice without ongoing coordination.

What is your experience?

Dustin brings over 20 years of retirement-services experience, with deep knowledge in retirement income strategy, tax-efficient distribution planning, and legacy coordination. Before building Legacy Ascent Wealth, he spent years in Retirement Services working in advanced planning and technical roles, supporting complex client situations and advising other professionals.

What additional planning resources do you have?

You’ll work directly with Legacy Ascent Wealth, and we also collaborate through an extended network that includes tax professionals, estate planning attorneys, and advanced planning teams—so your income, tax, and legacy decisions stay coordinated and no key details get missed.

What can I expect as a client?

A clear, organized experience built around our Summit Ascent Pathway. We coordinate your income, taxes, investments, and legacy decisions into a written road map, then help implement and adjust it over time. New clients typically meet three to four times in the first 60–90 days; after that, we provide quarterly touchpoints and meet at least twice per year, plus anytime life changes.

What is the process from the first meeting to ongoing planning?

• Explore — clarify your goals, concerns, story, and what matters most.
• Stress Test — evaluate your current plan for income, taxes, investment risk, liquidity, care needs, and legacy gaps.
• Design — build a coordinated road map for income, investments, taxes, risk, and legacy.
• Build — implement the agreed-upon recommendations and coordinate with your CPA or attorney as needed.
• Guide — ongoing reviews, planning opportunities, and course corrections as life and markets change.

See the full Pathway.

Are you held to a fiduciary standard?

Yes. As an Investment Advisor Representative, Dustin has a fiduciary responsibility to act in clients’ best interest when offering or recommending investment advisory products and services.

What that means in practice: we would never make a recommendation to you that we wouldn’t make to our own family in the same situation, with the same preferences.

How are you paid, and do you offer insurance products?

We are typically paid an advisory fee for ongoing planning and investment management, fully disclosed up front and billed monthly. Fees are based on assets managed and generally decline as balances increase. There are no long-term contracts, and either side may end the relationship at any time. For clients who prefer to manage their own investments, we also offer a flat-fee planning option.

When appropriate, we may recommend commission-paid insurance solutions such as life insurance, long-term care strategies, and annuity-based income tools.

Where is my money held?

Your investment accounts are held at Fidelity Investments, the independent custodian. Legacy Ascent Wealth does not physically hold your money. Fidelity provides custody, statements, and online access, while we provide the advice and management. There is no separate fee for Fidelity simply holding your funds—that custody relationship is built into the advisory agreement.

Who is Impact Partnership Wealth (IPW)?

IPW is our Registered Investment Advisory firm (RIA), regulated by the Securities and Exchange Commission (SEC). By partnering with IPW, the operational aspects of our business are handled by a professional team, allowing us to focus on helping you work toward your financial goals. Legacy Ascent Wealth is a separate entity from IPW.

How do you coordinate with tax and legal professionals?

We do not replace your CPA—we collaborate. We identify planning opportunities and coordinate assumptions and timing with your tax professional so your strategy is consistent and avoids surprises.

We also do not provide legal advice or draft documents. With your permission, we coordinate with your estate attorney so your plan functions as intended.