Legacy Financial Advisors

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Client assets under management

$139,167,629

Clients

216

27% high-net-worth

Advisors

of 3 employees

Firm type

Supported

1-4 advisors or >$200M in AUM

Clients per advisor

High

Average account size

$644,295

About

Legacy Financial Advisors serves individual and high‑net‑worth clients with portfolio management, comprehensive financial planning, and financial institution consulting. As of January 12, 2026 the firm reports $94.6 million in discretionary assets, $44.6 million in non‑discretionary assets, and $37.7 million in assets under advisement across roughly 220 client relationships supported by a three‑advisor team.

The firm implements goals‑based, long‑term investment strategies using multiple model portfolios and periodic reviews, and manages accounts on either a discretionary or non‑discretionary basis depending on client preference. Legacy may select or recommend third‑party managers for particular mandates and typically recommends Schwab for custody, with account monitoring performed at least quarterly.

A distinctive aspect of the firm is that several of its advisors are licensed insurance agents and may offer commissionable insurance products and related advice, a practice the brochure discloses and addresses as a potential conflict of interest. The firm also provides investment consulting to broker‑dealer customers, may receive solicitor fees when referring clients to third‑party managers, and participates in Schwab’s institutional program—arrangements that introduce additional custodial and referral relationships relative to many peers.

Client services

Financial planning Portfolio management Selection of other advisers Consulting

Expertise

Wealth management General retirement planning College savings (529s, UTMA, etc.)

Fee options

Fixed

Fixed fees quoted for longer-term consulting projects, negotiable

Percentage

$0+: up to 1.50% annually $0+: 0.68% annually for Financial Institution Consulting

Commissions

Insurance products sold by representatives pay customary commissions; no compensation for sale of securities.

Project-based

$100 - $350 per hour, depending on negotiation

Other

Account minimum: $250,000 Fee-only: Hourly fees ranging from $100 to $350 per hour; Fixed fees for longer-term consulting projects (amounts negotiable)

Main office location

Legacy Financial Advisors

Saint Simons Island GA, United States

Number of offices

Most active in

Georgia · Texas

Disclosures

Business activities & affiliations

Is active or affiliated with:

Insurance agent

They sell insurance products and may earn commissions on those sales.

Is not active or affiliated with:

Broker-dealer / trader

They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.

Bank

They're affiliated with a bank that may offer its own financial products and services.

Trust company

They provide trust and estate administration services, typically for separate fees.

Fund sponsor

They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.

Accountant / CPA / tax prep

They offer tax and accounting services, typically for separate fees.

Lawyer

They provide legal services, typically billed separately.

Real estate agent

They facilitate real estate transactions and may earn commissions.

Other specialized services

They may provide services such as pension consulting or municipal advisory work, typically for separate fees.

Forms ADV

Form ADV Part 2: Client Brochure Form ADV Part 3: Client Relationship

Quick links

Website 912-634-8338

Advisors at this firm

Wesley J

Series 66

Saint Simons Island, GA

Legacy Financial Advisors

Wesley Joiner is a financial advisor with Legacy Financial Advisors in Saint Simons Island, GA, holding a Series 66 designation and 13 years of industry experience. He has previously worked with Cetera Advisors LLC and First Allied Advisory Services. Outside of advisory services, he is a partner in IMaximize Social Security, LLC, a company developing a mobile application for Social Security planning, and serves as CFO of Nibble Nation. Legacy Financial Advisors serves individual and high-net-worth clients with portfolio management, comprehensive financial planning, and financial institution consulting. The firm employs goals-based, long-term investment strategies using multiple model portfolios and offers both discretionary and non-discretionary account management.

Wealth management General retirement planning College savings (529s, UTMA, etc.)

William J

Series 63, Series 65

Saint Simons Island, GA

Legacy Financial Advisors

William Joiner is a financial advisor with Legacy Financial Advisors in Saint Simons Island, GA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at First Allied Advisory Services and Legacy Financial Advisors, where he currently serves as president. Outside of his advisory role, Joiner is a partner in Fiber Tech Enterprises, LLC, and volunteers with the Sea Palms West Homeowners Association. Legacy Financial Advisors serves individual and high-net-worth clients with portfolio management, comprehensive financial planning, and financial institution consulting. The firm employs goals-based, long-term investment strategies using multiple model portfolios and offers discretionary and non-discretionary account management.

Wealth management General retirement planning College savings (529s, UTMA, etc.)

Kyle H

Series 65

Saint Simons Island, GA

Legacy Financial Advisors

Kyle Holland is a financial advisor at Legacy Financial Advisors with one year of industry experience. He holds a Series 65 designation and previously worked at Southeastern Bank for 11 years. Outside of his advisory role, Kyle provides strategic and technical business consulting through Cloverfield Group LLC. Legacy Financial Advisors serves individual and high-net-worth clients with portfolio management, comprehensive financial planning, and financial institution consulting. The firm employs goals-based, long-term investment strategies using multiple model portfolios and manages accounts on both discretionary and non-discretionary bases.

Wealth management General retirement planning College savings (529s, UTMA, etc.)

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