Legacy Wealth Management

09/02/2026

Most retirees spend years focused on how much they have saved, but a different question becomes just as important once retirement begins: how that money gets withdrawn. Pulling from the wrong account at the wrong time can trigger a chain reaction of hidden costs, from higher taxes on Social Security benefits to increased Medicare premiums two years down the road. Our advisors help clients sequence withdrawals across taxable, tax-deferred, and Roth accounts, managing tax brackets deliberately rather than letting a single large distribution create an unnecessary tax bill. The right approach depends on your income, account balances, and timeline, which is why we treat this kind of planning as an ongoing conversation rather than a one-time decision. https://www.legacywealthky.com/tax-smart-retirement-income-planning/

08/26/2026

The check you write to your favorite charity may actually be the least efficient way to support it.

Appreciated stock, an IRA distribution, or a donor-advised fund can send the same amount to the same organization while costing you meaningfully less in taxes. Which one fits depends on your age, your income, and the year you're in.

Our latest blog breaks it down. https://www.legacywealthky.com/charitable-planning-strategies/

Explore charitable planning strategies that reduce taxes and support meaningful giving, from QCDs and donor-advised funds to gifting appreciated assets.

08/25/2026

Most families plan the transfer of assets long before they plan the transfer of purpose, and that gap is often where family wealth transfer planning breaks down. With UBS Global estimating that more than $80 trillion will move from baby boomers to younger generations over the next two decades, the cost of leaving that conversation unaddressed continues to grow. At Legacy Wealth Management, we help families start with shared values, whether that means education, entrepreneurship, philanthropy, or caring for aging relatives, before moving into the trusts, gifting strategies, and legal tools built to carry those priorities forward. Heirs who understand the intent behind a gift tend to handle it differently than those who receive one.

https://www.legacywealthky.com/family-wealth-transfer-planning/

08/19/2026

Running a business and planning your personal financial future often compete for the same hours in the day. At Legacy Wealth Management, we work with Kentucky business owners to bring both sides of that equation together, from managing cash flow and selecting a retirement plan that works for both you and your employees to coordinating tax strategy that considers your business and personal picture at the same time. We also help you think ahead to succession and estate planning, so the business you have built continues to support the life and Legacy you envision beyond it. Bringing these pieces together now gives you more room to make decisions on your own timeline rather than someone else's.

https://www.legacywealthky.com/clients/kentucky-business-owner-financial-planning/

08/17/2026

Saving for retirement is only half of the equation, since knowing how to draw down those savings, in what order and at what pace, is often where retirement plans start to break down. At Legacy Wealth Management, we help clients navigate Required Minimum Distributions and structure withdrawals across taxable and tax-deferred accounts in a way that supports IRS requirements while reducing unnecessary tax exposure. We also help coordinate Social Security, pensions, and other income sources so every piece of your retirement income works together instead of competing for attention. The order in which these decisions are made can shape how long your savings ultimately last. https://www.legacywealthky.com/wealth-management-services/retirement-planning-lexington-kentucky/

08/12/2026

Meet Josh Dunn, CFP®, Wealth Advisor at Legacy Wealth Management. Josh holds a degree in mathematics from the University of Kentucky and spent years leading revenue operations for a national lodging company before transitioning into personal finance. This background shapes how he approaches investment management, retirement income strategies, and tax-efficient planning for clients today. He also teaches Legacy's retirement classes and plays a central role in evaluating new technology that improves the client experience. Outside the office, Josh is an active father to his two sons and an avid golfer who has won several amateur tournaments and still competes in local events, sometimes alongside clients.

Josh Dunn, CFP®, Wealth Advisor at Legacy Wealth Management in Lexington, KY, specializes in retirement planning and investment management.

08/11/2026

Legacy Wealth Management has been voted Gold in the 2026 Best of Lexington awards. This year's voting drew more than 356,000 votes across the community, a 12% increase over last year, and finishing at the Gold level in any category is a meaningful reflection of the trust our clients and neighbors have placed in our team. We want to thank everyone who took the time to vote, along with the broader Lexington community that continues to support small, locally owned businesses like ours. This recognition belongs as much to our clients as it does to our team, since the relationships we build are what this work is actually about.

Disclosure: The Best of Lexington award is a third party rating. The rating was issued on August 9th, 2026 and covers the time period of March 2025 through March 2026 by the Lexington Herald-Leader. Compensation has not been provided directly or indirectly by the adviser in connection with obtaining or using the third-party rating.

08/10/2026

After anxiously waiting for months, we are so excited and proud to announce that Legacy Wealth Management has once again been voted Gold in the Best of Lexington Financial Planner category.

THANK YOU LEXINGTON!

08/10/2026

For many Kentucky business owners, retirement planning gets pushed to later, once the business feels more stable or the team grows a little more. The problem is that later has a cost, since every year without a deliberate strategy is a year of compounding growth and succession runway you cannot get back. Because your business is often the largest asset on your personal balance sheet, understanding what it is actually worth and how a transition might unfold matters just as much as your investment accounts. Most advisors recommend starting that conversation at least five years before an intended exit, which gives you time to build value and structure the transition on your own terms. https://www.legacywealthky.com/retirement-planning-for-business-owners/

08/05/2026

The years leading up to retirement are when the small decisions start to matter the most. At Legacy Wealth Management, we work with pre-retirees who are five to ten years from this transition, helping you evaluate your 401(k) and IRA accounts, understand how your compensation plan fits into your long-term picture, and determine whether early retirement or bridging the gap between 62 and 65 is realistic for your situation. We also help you think through Social Security timing, healthcare decisions, and tax strategy, so every piece of your plan moves together rather than in isolation. Clarity now gives you room to adjust before those decisions become urgent. https://www.legacywealthky.com/clients/pre-retirees-financial-planning/