Legacy Financial Advisors
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
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
Expertise
Fee options
Fixed fees quoted for longer-term consulting projects, negotiable
$0+: up to 1.50% annually $0+: 0.68% annually for Financial Institution Consulting
Insurance products sold by representatives pay customary commissions; no compensation for sale of securities.
$100 - $350 per hour, depending on negotiation
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
Saint Simons Island GA
Advisors at this office
3
Most active in
Georgia · Texas
Also doing business as
Legacy Advisors · Legacy Financial Advisors · Legacy Financial Advisors Ii, LLC · Legacy Financial Advisors LLC
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
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:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Wesley J
Series 66
Saint Simons Island, GA
Legacy Financial Advisors
Wesley Joiner is a financial advisor at Legacy Financial Advisors in Saint Simons Island, GA, holding a Series 66 designation with 14 years of industry experience. He has worked at Cetera Advisors LLC and First Allied Advisory Services in prior roles. Outside of his advisory work, Joiner is a partner in IMaximize Social Security, LLC, a company focused on providing tools to advise clients on Social Security decisions. 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 through multiple model portfolios and typically uses Schwab for custody, managing accounts on either a discretionary or non-discretionary basis according to client preference.
William J
Series 63, Series 65
Saint Simons Island, GA
Legacy Financial Advisors
William Joiner is a financial advisor at Legacy Financial Advisors with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Legacy since 2015. Outside of advising, he is a partner at Fiber Tech Enterprises, LLC and volunteers with the Sea Palms West Homeowners Association. Legacy Financial Advisors serves individual and high-net-worth clients by providing portfolio management, comprehensive financial planning, and financial institution consulting. The firm applies goals-based, long-term investment strategies using multiple model portfolios and offers discretionary and non-discretionary account management.
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.
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