Asset Management Philosophy

Asset Allocation: We consider the asset allocation process to be the foundation of a successful investment program. Studies have shown that almost 90% of the return in a diversified investment portfolio is derived from the asset allocation and not the individual managers employed in the underlying strategy. We use the needs of the clients, independent economic research, and asset class characteristics to develop customized asset allocations for each individual client.

Growth through Diversification: We believe the key to preservation of wealth is diversified growth. Diversification is necessary to minimize volatility and risk, while growth is necessary to recover the losses of wealth from consumption, inflation and taxes over a multigenerational time period.

Outside Investment Advisors: Our financial resources allow us to identify and hire premier money managers at favorable costs. Legacy's first priority is client performance and not Legacy's profitability.

Alternative Investments: We believe relationships of sufficient size with long-term horizons may benefit from investments in private equity, real estate, venture capital and hedge funds.

Use of Client's Existing Advisors: Clients often bring their existing investment advisors to Legacy. We have a long track record of maintaining and expanding those relationships.

Current Offerings By Asset Class

Equity Styles

Large Cap Core
Large Cap Value
Large Cap Growth
All-Cap Value
Intrinsic Value
Small-Mid Cap Growth
New Technology (technology sector focus)
International

Fixed Income Styles

Tax-Exempt
Taxable
High Yield

Alternative Assets

Private Real Estate
Private Equity
Specialized debt
Natural Resources
Low Volatility Hedge Funds

Cash Management

Treasury Money Market Fund
Prime Money Market Fund
Tax Free Money Market Fund

Other Investment Services

Often, clients own farms, ranches, land or oil & gas interests. At Legacy Trust, we have a long history of experience with and personnel dedicated to the administration of these assets and the issues they present and how they may interplay with other client holdings.

Clients will always be presented with investment opportunities outside of Legacy Trust. We gladly assist with investment screening, helping in the evaluation of proposals, management oversight on Registered Investment Advisors or simply being the responsible party to politely say, "No."

Clients have secure, on-line access that enables them to view current account information including updated security valuations, recent & pending transactions, and account balances by asset class.

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