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Financial Planning

YOU

ONE PLAN

Cash Flow

Tax

Retirement

Risk

Estate

Investments

Business

Investment Strategy

01Process over prediction

02Valuation always matters

03Fear creates opportunity

04Quality at the right price

05Our best ideas, at real size

What we believe, behind every portfolio

A process you can see. A plan you can trust.

SCORE YOUR PLAN

Our process

Most people think they have a financial plan. They don't.

Five steps

Know where you are, where you’re going, and the decisions that close the gap.

Discover

Where you stand. Where you're headed. One clear view.

Analyze

Find out which parts of your plan are working hard, and which are quietly costing you.

Strategize

We develop a plan, built around your real goals, explained in plain language.

Implement

Practical steps, carried out by one coordinated team.

Review

Have a plan that adjusts as life does, so it never goes stale.

EVERY REVIEW STARTS THE LOOP AGAIN

What we score

Cash Flow

Make every dollar work toward your goals.

Tax Planning

Don't give the IRS more than you have to.

Retirement

Know if you're on track and what moves to make next.

Risk Management

Spot risks early and protect what matters.

Estate Planning

Understand what you've built and how to protect it.

Investment Strategy

Align risk, performance, fees, and taxes with your goals.

Business Strength

Grow business value while reducing owner dependence.

Same goals. Two approaches.

AVERAGE APPROACHES

May start with a product to sell

A one-time plan you may never revisit

Tax, legal, and investing handled separately

RESULT: A PLAN THAT ISN'T REVISITED

THE LEGACY PLAN

Starts with your goals and your score

Ongoing, and it changes as your life does

One team: planner, CPA, and attorney together

EDGE: A PLAN YOU ACTUALLY USE

Your team

YOU

ONE PLAN

LEGACY

Your planner. We build the plan, track your score, and bring in the right expert when you need one.

CPAs

Tax, legal and accounting teams that works with the rest of your plan, all year, not just in April.

ATTORNEYS

Wills, trusts, and business agreements, drafted to fit your plan.

SPECIALISTS

Insurance and lending experts, brought in only when your plan calls for it.

What we believe

Markets are efficient long-term, and emotional short-term.

Efficient long-term, emotional short-term

We turn headlines into chances to own quality businesses.

Process over prediction

We judge quality and price paid, not forecasts.

Valuation always matters

Every position carries a real margin of safety.

Opportunity is found

We hunt for quality the market has mispriced.

Concentration, with discipline

We own our best ideas at real size.

Same market. Two responses.

AVERAGE APPROACHES

Even weight across everything, with no real view

Rebalance on the calendar, regardless of price

Passive funds that accept the market as-is

RESULT: MAY NOT TRACK THE MARKET

THE LEGACY APPROACH

Buy quality when fear pushes prices down

Rebalance when price and value split apart

Own our best ideas, sized to conviction

EDGE: A PROACTIVE, PROVEN PROCESS

How we screen stocks

Every company is scored on five measures and ranked within its own sector. We buy from the top.

500 COMPANIES

300

150

100

↓ THE SHORTLIST WE BUY FROM

Quality

Return on invested capital. Weighted most heavily.

Value

Earnings and free cash flow compared with the price paid.

Momentum

Is the market’s view improving? Six- and twelve-month returns.

Balance Sheet

Net debt compared with the earnings that pay for it.

Analyst Targets

How far it trades below the average analyst price target.

Illustrative. The counts show how a screen narrows the market, not this quarter's results.

Where does your plan actually stand?

See your score across all categories in just a few minutes.

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