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Legacy Planning & Associates
Michigan-based wealth manager Legacy Planning & Associates has advised individuals, trusts, and business entities since 1998 from Grand Rapids.
Legacy Planning & Associates
Legacy Planning & Associates launched in 1998 in Grand Rapids, Michigan, building a practice around investment advisory, financial planning, and fiduciary services for individuals, trusts, and business entities. The firm operates as an independent registered investment adviser, a structural choice that distinguishes it from broker-dealer-affiliated competitors and allows it to hold out as a fee-based fiduciary. Its client base is concentrated in western Michigan. The firm's investment approach centers on portfolio construction and ongoing management for private clients, with allocations spanning equities, fixed income, and mutual funds as core building blocks. While specific portfolio holdings are not publicly disclosed, the advisory model typically incorporates risk assessment, retirement income planning, and trust administration — the bread-and-butter services of a community wealth manager. Legacy Planning & Associates operates from a single Grand Rapids office, with no known satellite locations, and serves a concentrated client base in western Michigan. Team size and total assets under management are not publicly reported by the firm. Public records indicate Legacy Planning & Associates has maintained a lean operational profile characteristic of founder-led independent RIAs, with no known acquisitions, external capital events, or adjacent entities such as a family foundation or multi-family office affiliate. The firm's longevity — over 25 years — suggests stable client retention and referral-driven growth patterns typical of small-market advisory practices. What distinguishes Legacy Planning & Associates structurally is its independence. In an industry where roll-ups and aggregator platforms have absorbed thousands of small RIAs, the firm has remained standalone for more than two decades. That independence, combined with its trust-and-estate capability, positions it as a continuity-focused adviser rather than a transactional asset-gatherer — a meaningful distinction for multi-generational Michigan families navigating wealth transfer.
General information
Firm type
Bank / Wealth / Trust
Year founded
1998
AUM
Undisclosed
Location
Region
North America
Country
United States
City
Grand Rapids
Corporate office
Grand Rapids, MI, United States
Frequently asked questions
Is Legacy Planning & Associates a registered investment adviser or a broker-dealer?
The firm operates as a registered investment adviser, not a broker-dealer. This means it is held to a fiduciary standard, legally obligated to act in its clients' best interests rather than merely recommending suitable products. The fee-based advisory model aligns its revenue with client outcomes rather than transaction volume.
What types of clients does the firm typically serve?
Legacy Planning & Associates advises individuals, trusts, and business entities, with a concentration in the Grand Rapids, Michigan area. The trust-administration component indicates the firm handles multigenerational wealth-transfer structures, suggesting a client base that includes family trustees and estate executors, not just individual retail investors.
Does Legacy Planning & Associates manage proprietary investment products or does it use third-party funds?
The firm constructs client portfolios using third-party instruments — typically equities, fixed income, and mutual funds — rather than proprietary in-house funds. As an independent RIA without a large institutional asset-management arm, its role is portfolio construction and ongoing fiduciary oversight, not manufacturing investment products.
How is the firm structured for continuity given it was founded in 1998?
Legacy Planning & Associates has operated for over 25 years without known external capital events, acquisitions, or platform affiliations. For client trusts and multi-decade planning relationships, that independence is structurally relevant — there is no aggregator parent that could impose house products, fee changes, or adviser turnover that disrupts long-term plans.
Does Legacy Planning & Associates disclose its assets under management?
The firm does not publicly disclose its assets under management. This is common among small, privately held RIAs that are not required to report AUM beyond regulatory filings available through the SEC's Investment Adviser Public Disclosure database, which may lag or report broad ranges.
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