Families & Individuals
Guiding Your Financial Journey
You might be asking yourself...
- Will I have enough to Retire?
- Can I do better with my resources?
- Am I preparing my kids and family for a financially healthy future?
- How do we compare with other families like ours?
01
Discover & Assess
We begin by clarifying your financial situation and defining clear, measurable goals.
02
Plan & Implement
Together, we develop a personalized financial plan. We support you with actionable steps to spend wisely, protect your future, manage debt, build wealth, and give confidently.
03
Monitor & Optimize
Life changes quickly. We’re always here to help you navigate life’s twists and turns, ensuring your continued progress and success.
Frequently Asked Questions
At Legassie Financial Ltd., we offer a holistic approach to personalized financial planning. Expect to receive guidance and direction in all areas of your financial journey including investment strategy design, retirement planning, insurance services, estate planning support, cash flow planning, debt management, and more! Our innovative tools, such as the Financial Health Assessment, Behavioural Cash Flow Planning, and Retirement Score systems, simplify complex financial issues and provide peace of mind on the journey to your goals!
Each client arrangement is unique, and our compensation structures are too. Each new client receives a Scope of Work proposal after our initial discussions, thoroughly detailing the work & deliverables to be completed, as well as the proposed compensation structure based on the time required to complete the work required by your case.
If you have a specific budget in mind, let us know during your (free) initial consultation, and we will do our best to make it work for you!
We see ourselves as guides on your financial journey. Our job is to clarify your starting point, help you define your destination, provide you with a detailed map on to get you there…then we take that journey with you to make sure you reach your destination safely.
Naturally, our approaches are client-focused, holistic, innovative and adaptable. We provide customized solutions tailored to your unique journey to your unique destination, ensuring that you achieve your financial success with peace of mind.
In most cases, we receive revenue from one of, or a combination of three main sources, as explained in your customized Scope of Work proposal:
- Servicing or Planning Fees – A product provider (ie. Investment Portfolio Manager) pays Legassie Financial Ltd. a specified % of assets under management in exchange for specified services to be provided.
- Commission-Based – A product provider (Ie. Insurance company) pays Legassie Financial Ltd. a specified embedded cost associated with products placed with the client. Some products will also provide an ongoing trailer or renewal commission, often annually.
- Direct Payment – Clients will be invoiced directly, predetermined amount(s) for the specified services to be provided over a specified period of time. This fee is paid by the client to Legassie Financial Ltd. cheque or e-transfer.
We believe in continuous improvement and regular communication. We remain available to all of our clients, at any time. As needed, we may also schedule regular or cyclical reviews of your financial plan to ensure everything stays on course!
Yes, we proudly offer fee-only financial planning by request, ensuring our advice is unbiased and solely in the clients’ best interest.
However, we also recognize the value of the traditional approach, which allows us to refer you to trusted partners for implementing investments, insurance, comprehensive tax mitigation stratgies, estate planning and more.
If you would like a Fee-Only Financial Plan, let us know during your (free) initial consultation, and we’ll be sure to address this in your Scope of Work proposal.
Personalized Care and Client-First Values: At Legassie Financial, we always put our clients first. Our work is tailored to meet each client’s unique needs, ensuring the best possible guidance and support over time.
Holistic and Innovative Approach: We offer a comprehensive approach to financial planning, addressing all aspects of your financial journey. Our innovative tools, like the Financial Health Assessment, Retirement Score and Behavioural Cash Flow Plan, simplify complex financial issues and make success achievable for everyone.
Continuous Improvement: We are committed to continuous improvement, striving everyday to be better today than we were yesterday. This ensures our clients receive the most up-to-date and effective financial advice.
Unique Blend of Expertise and Values: Our founder, Jonathan Legassie, combines financial expertise with pastoral care. With a background in divinity and pastoral training, Jonathan incorporates biblical wisdom into our systems, providing a foundationally faith-based approach to financial planning.