Investment Management

Your portfolio is not the plan; it is what funds the plan. At Legacy Ascent, we specialize in fiduciary investment management to help individuals and families near or in retirement build strategic, disciplined investment portfolios that support their written income strategy rather than replace it. 

Our fiduciary advisors employ a plan-driven approach to retirement income planning, incorporating tax-efficient investing through tax-aware asset location, risk capacity analysis, fee auditing, and income-focused portfolio construction. This helps us identify inefficiencies and vulnerabilities that many investment managers often overlook. 

Whether you are still growing your savings, approaching retirement, or already in the distribution phase, our investment management process provides the clarity, confidence, and structure you need to stay the course through whatever markets may bring.

The investment decisions you make in the decade before and after retirement carry more weight than at any other time in your financial life. Mistakes during this critical window, such as poor asset allocation, high hidden fees, mismatched risk, and inefficient account structures, can be difficult or impossible to fully recover from. 

A professional fiduciary investment management relationship helps you:

- Align your portfolio directly to your retirement income planning needs.

- Avoid hidden fees that quietly erode your wealth over decades.

- Understand the real risk your portfolio carries — not just what it feels like.

- Navigate market volatility without making costly emotional decisions.

- Optimize which accounts hold which assets to reduce your lifetime tax burden through tax-efficient investing.

- Build a portfolio designed to last 30 or more years — not just the next quarter.

Without disciplined, plan-driven investment management, retirees may carry too much risk, pay excessive fees, and miss tax-saving opportunities that compound over time.

At Legacy Ascent, our goal is to build portfolios that work efficiently in the background, allowing you to focus on living the retirement you planned for.

Unlike advisors who rely on off-the-shelf model portfolios or earn commissions from product sales, Legacy Ascent implements a structured, fiduciary investment management process tailored specifically for your individual retirement income planning.

Our Investment Framework Includes:

✔ Written investment policy statement aligned to your retirement income strategy

✔ Fiduciary standard — legally required to act in your best interest at all times

✔ Assets held independently at Fidelity Investments — we never custody your funds

✔ Tax-aware asset location across taxable, tax-deferred, and Roth accounts

✔ Low-cost, diversified portfolio construction using index funds and ETFs for tax-efficient investing

✔ Full fee transparency — every fund, every cost, disclosed annually

✔ Quarterly portfolio reviews with proactive, ongoing monitoring

This disciplined process enables us to create portfolios that are efficient, tax-smart, and directly linked to your income plan.

Many investors nearing or in retirement are unknowingly carrying hidden risks and inefficiencies. Our fiduciary investment management process often uncovers:  

- Excessive fund and platform fees quietly compounding against returns year after year  

- Portfolios that carry far more risk than the client realizes — or needs  

- Asset location mismatches that create unnecessary tax drag across accounts, hindering tax-efficient investing  

- Concentrated stock or ESOP positions that create dangerous single-company exposure  

- Generic model portfolios with no connection to the client's actual retirement income planning needs  

- Outdated allocations that were never adjusted as retirement approached  

Identifying and correcting these issues early can preserve tens of thousands of dollars and bolster the confidence to stay invested, even when markets are difficult.