Guiding families from
plan to peace of mind.
Flat-Fee, Fiduciary Financial Planning in Greensboro, NC
We coordinate your entire financial operation. Tax strategy, estate alignment, investment management, and the behind-the-scenes execution that keeps your plan moving between meetings. We call this The Legwork.
What is The Legwork?
“The Legwork is Legs Financial’s proactive execution system.”
It is the professional coordination, year-round tax monitoring, and behind-the-scenes plan management that happens between client meetings. The right people talk, the right steps happen, and nothing gets lost at the handoffs.
Phase 1: Planning the Route
Becoming a client is a deliberate, step-by-step process designed to make sure we are the right guides for your journey.
1. The Trailhead Meeting
A relaxed, complimentary 30-minute conversation. No spreadsheets, no jargon. We talk about your family’s story, where you are today, and where you want to go, to see if our flat-fee model is a fit.
2. Building the Map
If we agree to hike together, we’ll confirm scope, hold a goal-setting session to understand what matters most to your family, collect the project fee, and begin. We gather your documents, coordinate with your CPA and attorney, and build your step-by-step financial plan.
3. The Briefing
We present your route forward in plain English. You will know precisely what you need to do and what we handle for you every step of the way.
Phase 2: The Legwork
The work that happens between meetings is where most plans fall apart. Here is what we handle so details don’t fall through the cracks.
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We Coordinate. Your Pros Execute.
We stay in our lane and work alongside your existing professional team. The following services are coordinated by Legs Financial but performed by licensed specialists.
Tax return preparation and filing. Handled by your CPA. We provide the strategy and coordinate the handoff.
Legal document drafting. Handled by your estate or special needs attorney. We coordinate execution of what they build.
Insurance product placement. Placed by a licensed agent. We audit coverage and document keep/replace rationale.
Corporate bookkeeping and payroll. Handled by your accountant. We coordinate where it intersects your plan.
Walking the Trail: Our Seasonal Cadence
We run on a proactive, seasonal playbook so you know exactly what we are executing and when.
| The Season | What We Execute |
|---|---|
| Spring Tax & Funding |
Direct CPA coordination for tax season, filing reviews, prior-year IRA and HSA funding verification, and first-quarter portfolio rebalancing. |
| Summer Mid-Year Check |
Mid-year cash flow and spending band review. Special Needs Trust and Achieving a Better Life Experience (ABLE) account funding audits. Insurance and beneficiary checks. |
| Fall Proactive Planning |
Strategic Roth conversion modeling, IRMAA modeling (Medicare income surcharges), and equity compensation planning, including Incentive Stock Options (ISO), Nonqualified Stock Options (NSO), and Restricted Stock Units (RSU), before year-end blackout windows. |
| Winter Year-End Wrap |
Required Minimum Distribution (RMD) processing, charitable giving execution via Qualified Charitable Distributions (QCDs) or Donor-Advised Funds (DAFs), and final tax-loss harvesting. |
| Off-Trail Event-Driven |
Life doesn’t follow a season. For a diagnosis, inheritance, or liquidity event, we deploy a rapid response checklist within one business day and coordinate next steps with your legal and tax team over the following two weeks. |
Transparent, Flat-Fee Pricing
You pay for the complexity of your life, not the size of your portfolio. Every ongoing plan includes full investment management, year-round tax coordination, and The Legwork.
How We Determine Your Fee
Our flat fee is quoted upfront based on the complexity of your situation, not the size of your portfolio. Here are the inputs that drive complexity:
- ✓ Number of accounts and entities (individual, joint, trust, business)
- ✓ Tax complexity (AMT exposure, K-1s, RSUs, ISOs, NSOs, equity comp)
- ✓ Special needs coordination (SNT, ABLE, SSI/Medicaid monitoring, trustee sync)
- ✓ Estate and trust complexity (multiple trusts, titling, beneficiary audit scope)
- ✓ Required meeting cadence (2 reviews/yr vs quarterly vs event-driven)
Ongoing Wealth Management
The Ascent
The Ascent
Foundation
Established families with clear, well-defined needs. Builds the foundation and keeps execution on track.
$7,200/year
$1,800 / quarter billed in advance
- 2 reviews per year with email support
- Investment Policy Statement, core allocation, tax-aware rebalancing
- Standard annual tax review
- Estate plan coordination (simple will/POA)
- Social Security benefit timing basics
- Benefits checklist and ABLE account setup
The Summit
The Summit
Comprehensive
Comprehensive strategy and execution for established wealth. Elevates coordination across your tax and benefits ecosystem.
$10,800/year
$2,700 / quarter billed in advance
- 2–3 reviews per year with priority support
- Tax-loss harvesting and CPA implementation
- Proactive tax strategy: Roth conversions, distribution planning
- Revocable trust coordination
- Social Security claiming and spousal optimization
- Open-enrollment support and CPA coordination
- Minor vested stock options
The Expedition
The Expedition
Specialized
Specialized coordination for special needs, complex equity, and advanced tax. Leads complex, multi-party execution across attorneys, trustees, and CPAs.
$16,000/year
$4,000 / quarter billed in advance
- Quarterly reviews with premier 1-day support
- Advanced tax management: AMT, complex K-1s, DAFs, QCDs, CPA collaboration
- Complex trust coordination (SNTs, irrevocable), multi-generational & advanced charitable strategies (with your attorney)
- Full Social Security optimization and benefit coordination
- SSI, Medicaid, and ABLE monitoring with proactive trustee coordination
- Active Restricted Stock Units (RSUs), Incentive Stock Options (ISOs), NSOs, and carried interest
All ongoing plans are billed quarterly in advance with a 12-month minimum commitment (auto-renewing) and a 30-day opt-out at renewal. We coordinate with your attorney and CPA; we do not provide tax filing or legal drafting services.
Why Flat-Fee Pricing Stays Flat
Your fee is quoted when the engagement begins and stays fixed, regardless of how your portfolio balance changes. Two families with very different portfolios but similar planning situations pay similar fees. Predictability is part of the value: you know what you pay before the work begins, and the price is the price.
Annual Advisory Fee by Portfolio Size
Each tier is a fixed annual fee. The fee does not change as your portfolio grows or contracts.
The horizontal lines are the point: each tier stays at a fixed annual fee.
For illustrative purposes. Your fee is quoted based on planning complexity. Investment returns are not guaranteed and past performance does not predict future results.
Common Question
How does flat-fee pricing differ from AUM-based advisor pricing?
Flat-fee pricing charges a single annual fee based on the complexity of your situation. The fee is quoted at the start of the engagement and stays fixed regardless of portfolio movement. AUM-based pricing charges a percentage of assets under management and changes as your portfolio grows or contracts. Both are common in the advisory industry.
Legs Financial uses a flat fee because our work focuses on planning coordination across tax, estate, benefits, and investment decisions. The complexity of that work does not scale linearly with portfolio size, and our recommendations sometimes move money out of investment accounts (funding a trust, paying down debt, holding cash for a known expense). A flat fee keeps the analysis separate from the portfolio balance.
Whether flat-fee or AUM fits your situation depends on what you need from an advisor. Schedule a Trailhead Meeting if you want to talk it through.
Project-Based Financial Maps
Not ready for an ongoing relationship? Start with a one-time Financial Map to establish your baseline strategy and identify critical gaps. A transition credit applies if you move to an ongoing plan within 90 days.
The Ascent Map
$3,600
For families who need a clear starting point. We assess your terrain, identify the critical gaps, and deliver a prioritized action plan you can act on immediately.
Up to $1,800 credited toward your first quarter if upgrading within 90 days
The Summit Map
$4,800
For families with established wealth and moving parts. We build a complete financial map covering tax strategy, estate coordination, and investment positioning, with a clear sequence of next moves.
Up to $2,400 credited toward your first quarter if upgrading within 90 days
The Expedition Map
$6,000
For families navigating complexity, including special needs planning, advanced tax situations, or multi-party coordination. We map the full terrain and provide a detailed execution plan built around your specific circumstances.
Up to $3,000 credited toward your first quarter if upgrading within 90 days
Ready to Start the Conversation?
Every family’s journey is unique. Schedule a complimentary 30-minute call to explore which path fits yours.
Schedule a Trailhead Meeting