Chris Kirkland Atlanta 5
New member
Financial planning is often misunderstood. Many people think it’s just about investing money or preparing for retirement. While those are key components, true financial well-being requires a more integrated approach—one that connects all areas of your financial life into a clear, customized strategy. This is where holistic financial planning comes in, and it’s the foundation of how I work with clients at Legacy Capital Advisors.
Holistic financial planning means looking at your full financial picture—not just one piece of it. It includes investment strategy, tax planning, insurance protection, retirement income, estate planning, and even the emotional and behavioral aspects of money. When all these elements are coordinated, your financial decisions become more aligned, efficient, and resilient.
At Legacy Capital Advisors, we don’t offer cookie-cutter solutions. We take time to understand your current situation, your future goals, and the values that drive your decisions. Then we create a financial plan that works in harmony with every part of your life.
In today’s uncertain economic environment, many individuals and families are facing increased complexity. Rising taxes, market volatility, changing regulations, and evolving family dynamics all impact your financial stability. Without a coordinated plan, it’s easy to miss opportunities—or take on unintended risk.
As someone who holds FINRA Series 7, 31, and 66 registrations and multiple insurance licenses, I’m able to advise on investments and risk protection, all through a tax-aware lens. Our affiliation with Avantax allows us to integrate tax strategy into the heart of our financial planning process, helping you not just grow your wealth—but keep more of it, too.
Here are a few ways holistic planning can create powerful results:
I often see clients come in with investment accounts at one firm, insurance policies from another, and a CPA who only hears from them once a year. That kind of fragmentation can lead to inefficiencies and missed opportunities. Holistic planning brings everything under one roof—so your financial life moves in the same direction.
Whether you're a business owner trying to balance growth with security, a young family building a future, or a retiree focused on income and legacy, you deserve a plan that works for you—not just around you.
At Legacy Capital Advisors, we believe in building long-term relationships based on trust, education, and transparency. We walk with our clients through every life stage, making adjustments as needed and ensuring their plan always reflects their reality.
As a lifelong Atlantan, I’m proud to help my neighbors and community members plan smarter and live better. Outside of work, I’m involved in my church, lead personal finance classes, and serve on the Board of the Lupus Foundation of America, Georgia Chapter.
Helping people feel more confident about their financial future is what drives me. And holistic financial planning is how we make that confidence possible.
If you’re tired of scattered advice or feel unsure about whether your finances are working in sync, I’d love to help. Let’s take a comprehensive look at your financial life and build a plan that brings it all together.
Learn more about our team: www.yourlegacyteam.com/our-team
What is Holistic Financial Planning?
Holistic financial planning means looking at your full financial picture—not just one piece of it. It includes investment strategy, tax planning, insurance protection, retirement income, estate planning, and even the emotional and behavioral aspects of money. When all these elements are coordinated, your financial decisions become more aligned, efficient, and resilient.
At Legacy Capital Advisors, we don’t offer cookie-cutter solutions. We take time to understand your current situation, your future goals, and the values that drive your decisions. Then we create a financial plan that works in harmony with every part of your life.
Why It Matters Now More Than Ever
In today’s uncertain economic environment, many individuals and families are facing increased complexity. Rising taxes, market volatility, changing regulations, and evolving family dynamics all impact your financial stability. Without a coordinated plan, it’s easy to miss opportunities—or take on unintended risk.
As someone who holds FINRA Series 7, 31, and 66 registrations and multiple insurance licenses, I’m able to advise on investments and risk protection, all through a tax-aware lens. Our affiliation with Avantax allows us to integrate tax strategy into the heart of our financial planning process, helping you not just grow your wealth—but keep more of it, too.
Real-Life Benefits of a Holistic Approach
Here are a few ways holistic planning can create powerful results:
- Tax-Efficient Investing: Instead of just chasing returns, we focus on after-tax outcomes. This includes optimizing account types, strategically timing withdrawals, and coordinating with CPAs to reduce tax liabilities.
- Risk Management: Insurance isn’t just a checkbox. We assess whether you’re adequately protected across life, health, disability, and long-term care—and ensure your policies evolve as your life changes.
- Retirement Income Planning: We design income streams that account for market risk, inflation, and longevity—so you can retire comfortably and confidently.
- Legacy and Estate Planning: Planning ahead ensures your assets transfer smoothly to your loved ones, with minimal tax impact and maximum intention.
- Behavioral Coaching: Emotions play a major role in money decisions. With my psychology background from the University of Georgia, I help clients stay grounded, avoid reactive choices, and make decisions aligned with long-term goals.
Your Financial Life Should Work Together—Not in Silos
I often see clients come in with investment accounts at one firm, insurance policies from another, and a CPA who only hears from them once a year. That kind of fragmentation can lead to inefficiencies and missed opportunities. Holistic planning brings everything under one roof—so your financial life moves in the same direction.
Whether you're a business owner trying to balance growth with security, a young family building a future, or a retiree focused on income and legacy, you deserve a plan that works for you—not just around you.
A Personal Commitment to Clarity and Confidence
At Legacy Capital Advisors, we believe in building long-term relationships based on trust, education, and transparency. We walk with our clients through every life stage, making adjustments as needed and ensuring their plan always reflects their reality.
As a lifelong Atlantan, I’m proud to help my neighbors and community members plan smarter and live better. Outside of work, I’m involved in my church, lead personal finance classes, and serve on the Board of the Lupus Foundation of America, Georgia Chapter.
Helping people feel more confident about their financial future is what drives me. And holistic financial planning is how we make that confidence possible.
Ready to See the Full Picture?
If you’re tired of scattered advice or feel unsure about whether your finances are working in sync, I’d love to help. Let’s take a comprehensive look at your financial life and build a plan that brings it all together.
Learn more about our team: www.yourlegacyteam.com/our-team