Legacy Builders Financial

What Legacy Builders Financial does

Legacy Builders Financial is a fee-only registered investment advisor founded in 2017 and operated as a solo practitioner practice by Charles Ho out of Folsom, California. The firm delivers personalized financial planning, financial coaching, and investment management services to individuals and families across the United States, with no minimum asset requirement and no commissions or product-sales incentives. Its core offerings are structured as recurring engagements: a 6-month Financial Coaching program priced at $600, an Ongoing Financial Planning subscription at $250 per month with quarterly reviews and client-only events, and an Investment Management service for non-workplace portfolios managed to client risk tolerance, with oversight available for an additional fee.

The firm operates on a relationship-driven, fiduciary-first go-to-market motion, converting prospects through free initial consultations and delivering services via phone, virtual meetings, or in-person sessions for local clients. Distribution is direct-to-consumer with no intermediaries, supported by educational blog content, SEO-optimized landing pages targeting common financial planning questions, and client newsletters. The technology stack is light: the firm relies on conventional advisor infrastructure plus a Riskalyze integration for risk-tolerance assessment and secure online access for plan delivery, with no proprietary platform, mobile app, or disclosed automation layer.

The business model is straightforward subscription-plus-fee advisory revenue, with the founder's personal capacity as the binding constraint on growth. The practice is a member of NAPFA, XY Planning Network, and FPA, and the founder holds the Certified Financial Planner designation, signaling alignment with fee-only fiduciary standards rather than product distribution.

Name

Legacy Builders Financial

Legal name

Legacy Builders Financial

Website

https://legacybuildersfinancial.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Legacy Builders Financial is a fee-only, fiduciary registered investment advisor founded in 2017 by Charles Ho in Folsom, California. It provides subscription-based financial planning, coaching, and investment management services to individual clients nationwide.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

akta.pro primary industry

Estate & Legacy Planning Advisory (FSAEAAAG)

Keywords

• Fee-only financial planning
• Investment management services
• Financial coaching programs
• Registered investment advisor
• Retirement planning services

Headquarters

HQ city

Folsom

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Ongoing Financial Planning: Monthly subscription service providing ongoing financial planning, quarterly plan reviews, client-only newsletter, and access to client-only events. Includes on-demand support for financial questions.
2. Financial Coaching: 6-month structured engagement for clients living paycheck to paycheck. Includes assessment meeting, budget development, and regular follow-up meetings. Can transition to ongoing financial planning with Financial Planning Fee waived.
3. Investment Management: Portfolio management service for non-workplace investments, managed according to client risk tolerance. Oversight of investments available for an additional fee.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Legacy Builders Financial is a fee-only Registered Investment Advisor that provides personalized financial planning, investment management, and financial coaching services to individuals and families. The firm operates on a subscription basis with monthly recurring fees, offers a structured 6-month financial coaching program for clients living paycheck-to-paycheck, and manages non-workplace investment portfolios according to client risk tolerance. Services are delivered through scheduled consultations and ongoing advisory relationships without commissions, upselling, or product sales.

Product overview

Legacy Builders Financial offers three integrated financial services: Financial Coaching (accessible planning for debt and budget issues), Ongoing Financial Planning (comprehensive financial plan development and monitoring), and Investment Management (portfolio management aligned with risk tolerance). Services include initial plan development, budget creation and tracking, secure online access with account aggregation, and annual reviews. The firm operates on a fee-only basis with no commissions or upselling.

Differentiator

Problem solved

Functional benefit

Products and services

• Ongoing Financial Planning Full-service financial planning subscription for individuals and families, providing ongoing monitoring, quarterly plan reviews, actionable items, a client-only newsletter, and access to client-only events. Designed for clients seeking continuous accountability and guidance to stay on task with their financial goals.
• Financial Coaching A structured 6-month coaching engagement for clients living paycheck to paycheck, struggling with debt, or unable to develop savings. Includes an initial assessment meeting, budget development, and regular implementation meetings. Can transition into Ongoing Financial Planning with the Financial Planning Fee waived.
• Investment Management Portfolio management service for non-workplace investments, managed according to client risk tolerance as assessed through Riskalyze. Includes ongoing oversight of investments and optional active management for an additional fee.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Betterment: Betterment is a large robo-advisor offering automated investment management and basic planning guidance, competing with Legacy Builders on accessible, low-cost investment services.
• Empower (Personal Capital): Empower combines free financial planning tools with wealth management services for high-net-worth clients, competing with Legacy Builders across both planning and investment management.
• Savant Wealth Management: Savant Wealth Management is a large fee-only RIA offering comprehensive financial planning and investment management, competing with Legacy Builders in the mid-market fiduciary segment.
• Vanguard Personal Advisor: Vanguard Personal Advisor combines automated portfolio management with human advisor access at a low fee, competing for the same fee-conscious planning clients Legacy Builders targets.
• Wealthfront: Wealthfront is a leading robo-advisor offering automated financial planning, portfolio management, and cash management at low cost—competing with Legacy Builders on budgeting, planning, and investment management tasks.

Others

• XY Planning Network: XY Planning Network is the membership network Legacy Builders belongs to; it provides technology, compliance, and back-office support to hundreds of independent fee-only CFPs with similar subscription models.
• Carson Group: Carson Group is an RIA support and partnership platform serving independent financial advisors with similar fee-only practices, providing technology, compliance, and growth resources Legacy Builders could leverage.

Direct peers

• Facet Wealth: Facet Wealth is a fee-only financial planning firm offering subscription-based, virtual CFP services with no asset minimums—closely mirroring Legacy Builders' business model and target segment.

Emerging players

• Ellevest: Ellevest offers subscription-based financial planning and investment management with no asset minimums, targeting a specific demographic (women) but overlapping with Legacy Builders on fee-only, accessible planning.
• Zoe Financial: Zoe Financial is a marketplace connecting consumers with vetted fee-only financial advisors, overlapping with Legacy Builders' target market and fee-only positioning while serving as a potential distribution channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/legacybuildersfinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Legacy Builders Financial