FORM ADV PART 2A ( FIRM BROCHURE ) FOR WEALTH LEGACY GROUP, INC.

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1 Item 1 Cover Page Wealth Legacy Group, Inc Kearny Villa Road, Suite 103 San Diego, California Phone: Fax: This brochure was last updated on March 13, This brochure provides information about the qualifications and business practices of Wealth Legacy Group, Inc. If you have any questions about the contents of this brochure, please contact us at or rj@wealthlegacygroup.com. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about Wealth Legacy Group, Inc. is available on the SEC s website at The searchable IARD/CRD number for Wealth Legacy Group, Inc. is Wealth Legacy Group, Inc. is a Registered Investment Adviser. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Wealth Legacy Group, Inc. 1

2 Item 2 Material Changes In the future, this item will discuss only specific material changes that are made to the brochure and provide clients with a summary of such changes. We will also reference the date of our last annual brochure update. We will ensure that you receive a summary of any material changes to this and subsequent brochures within 120 days of the close of our business fiscal year. We may further provide other ongoing disclosure information about material changes as necessary. In addition our brochure may be requested at any time by contacting R. J. Kelly at Wealth Legacy Group, Inc. at or rj@wealthlegacygroup.com. Additional information about Wealth Legacy Group and R. J. Kelly is also available on the SEC website at Wealth Legacy Group, Inc. 2

3 Item 3 Table of Contents Item Advisory Business... 4 Fees and Compensation... 6 Performance Based Fees and Side By Side Management... 7 Types of Clients... 8 Methods of Analysis, Investment Strategies and Risk of Loss... 9 Disciplinary Information Other Financial Industry Activities and Affiliations Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Brokerage Practices Review of Accounts Client Referrals and Other Compensation Custody Investment Discretion Voting Client Securities Financial Information Requirements for State Registered Advisers Additional Information Wealth Legacy Group, Inc. 3

4 Item 4 Advisory Business About Wealth Legacy Group, Inc. Wealth Legacy Group is an S Corporation registered in the States of California and Nevada. Riley James ( R. J. ) Kelly, CRD , is the President of the firm. The State of California Department of Corporations granted Wealth Legacy Group, Inc. s registration on February 19, 2008 and the State of Nevada granted registration on April 21, The firm is not publicly owned or traded. There are no indirect owners of the firm or intermediaries who have any ownership interest in the firm. The firm manages each client s case on an individualized basis. Clients may impose restrictions. The firm does not act as a sponsor of any wrap program. Services Provided Wealth Legacy Group specializes in assisting privately held business and professional families plan for the pre transition & post transition issues of wealth, risk reduction, business growth, succession and legacy. With a fee based approach, the Wealth Legacy Assessment is a tool that provides comprehensive guidance rather than promotion of financial products. The Wealth Legacy Assessment allows clients to have peace of mind knowing that their actions are aligned with their goals, and that we are putting their interests first. The firm primarily refers financial planning clients to other California registered investment advisers and shares in the revenue as a result of such referral arrangement. In addition, however, the firm may engage in fee based financial planning as well. It is further disclosed that all material conflicts of interest under CCR Section (k) shall be disclosed by Mr. Kelly regarding the investment adviser, its representatives or any of its employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. The firm could potentially receive referral fees from lenders where permitted by law for the referral of business or personal clients in their obtaining business or personal financing, lines of credit, inventory or equipment financing. Client Obligations Wealth Legacy Group is not required to verify information received from the client or from the client other professionals. It remains the client s responsibility to promptly notify Wealth Legacy Group if there is ever a change in the client s financial situation or investment objective during the client engagement. Assets Under Management Wealth Legacy Group has no assets under management. Wealth Legacy Group, Inc. 4

5 Non Participation in Wrap Fee Programs Wealth Legacy Group does not sponsor any wrap fee program, i.e. accounts in which an advisor manages an investor's portfolio for a flat quarterly or annual fee. Wealth Legacy Group, Inc. 5

6 Item 5 Fees and Compensation Wealth Legacy Group, Inc. charges either an hourly fee or a pre determined fixed amount for financial planning and advisory services. Hourly fees shall not exceed $500 per hour and fixed fees shall not exceed $100, All fees are negotiable. Fees and services to be provided are clearly defined in the Investment Advisory Agreement signed by a client at the time of engagement. Clients are invoiced at the time of engagement, and payment is expected prior to the commencement of service unless alternative arrangements are agreed upon by both Wealth Legacy Group, Inc. and the client. Lower fees for comparable services may be available from other sources. Wealth Legacy Group, Inc. offers a money back guarantee for services rendered. Wealth Legacy Group, Inc. reserves the right to independent arbitration to determine whether contractual services have been met. See Item 14 for full disclosure of performance and asset management fees received from referrals to other California registered investment advisers. Wealth Legacy Group, Inc. occasionally offers educational workshops and seminars. When there is a charge to attend, fees will be published in the workshop invitation or announcement. If the event is sponsored by a group or company, that organization will pay the fee for the event. Fees paid to Wealth Legacy Group, Inc. are completely separate from the fees and expense charged by investment companies and their portfolio managers. A complete explanation of these fees and expenses are provided by each investment s prospectus. Clients are encouraged to read the prospectus before investing. Wealth Legacy Group, Inc. 6

7 Item 6 Performance Based Fees and Side By Side Management Wealth Legacy Group, Inc. does not charge any performance based fees. As the firm does not provide any on going investment management services, issues related to side by side management are not applicable. Wealth Legacy Group, Inc. 7

8 Item 7 Types of Clients Wealth Legacy Group, Inc. s clients include individuals and high net worth individuals. Wealth Legacy Group, Inc. has no minimums for income, assets, net worth, length of engagement, or revenues generated, however, a typical client is a privately held business owner professional or executive with a $10M net worth or greater. Wealth Legacy Group, Inc. 8

9 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis If the advisor is engaged to provide investment advice, Wealth Legacy Group, Inc. utilizes fundamental analysis, the practice of reviewing a company s revenues, earnings, and management to analyze the prospect for its products or services to be successful. Investment Strategies The primary investment strategy used on client accounts is asset allocation, an investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance and investment horizon. The three main asset classes equities, fixed income, and cash and equivalents have different levels of risk and return, so each behaves differently over time. Clients receive investment advice based upon their risk tolerance, time horizon, expected rate of return, and asset class preferences. Investment strategies are long term purchases. Risk of Loss Investing in securities carries the risk of loss, which clients must be prepared to bear. Investment risks generally fall into two broad categories, investment risk in which the client loses money and inflation risk in which the client loses buying power. Systematic risk or market risk relates to factors that include the overall economy or securities market such as interest rates, inflation, currency, liquidity, and sociopolitical. Nonsystematic Risk relates to risk associated with a small number of companies, products, or industry sectors such as management risk and credit risk. Wealth Legacy Group, Inc. 9

10 Item 9 Disciplinary Information Please refer to attached Brochure Supplement for Riley J. Kelly or contact Mr. Kelly directly for information regarding a personal 2006 felony conviction. This conviction was unrelated to his investment business and was not for fraud, false statements or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, or extortion or conspiracy to commit any such activity. Wealth Legacy Group, Inc. 10

11 Item 10 Other Financial Industry Activities and Affiliations None. Wealth Legacy Group, Inc. 11

12 Item 11 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Wealth Legacy Group, Inc. has a fiduciary responsibility to act in the best interest of our clients and to always place those interests first and foremost. The firm and all staff members accept the responsibility not only to comply with the requirements of all laws and regulations but to act in an ethical and professional manner in all services and activities. Wealth Legacy Group, Inc. adheres to a strict Code of Ethics which is available upon request. In addition, Wealth Legacy Group, Inc. protects each client s right to privacy with professional standards that are even more stringent than those required by law. We take very seriously our responsibility to keep non public information from falling into the wrong hands. Our Privacy Statement is available upon request. Wealth Legacy Group, Inc. is in and shall continue to be in total compliance with The Insider Trading and Securities Fraud Enforcement Act of Specifically, the firm has adopted a firm wide policy statement outlining insider trading compliance by the firm and its associated persons and other employees. This statement has been distributed to all associated persons and other employees of the firm and has been signed and dated by each such person. A copy of such firm wide policy is left with such person and the original is maintained in a master file. Further, the firm has adopted a written supervisory procedures statement highlighting the steps which shall be taken to implement the firm wide policy. These materials are also distributed to all associated persons and other employees of firm, are signed, dated and filed with the insider trading compliance materials. There are provisions adopted for: Restricting access to files Providing continuing education Restricting and/or monitoring trading on those securities of which Firm's employees may have non public information Requiring all of Firm's employees to conduct their trading through a specified broker or reporting all transactions promptly to the firm Monitoring the securities trading of the firm and its employees and associated persons Participation or Interest in Client Transactions Wealth Legacy Group, Inc. or individuals associated with the firm may buy or sell securities identical to those recommended to customers for their personal account. It is the express policy of the firm that employee may purchase or sell any security prior to a transaction(s) being implemented for an advisory account, and therefore, preventing such employees from benefiting from transactions placed on behalf of advisory accounts. Wealth Legacy Group, Inc. 12

13 Personal Trading Wealth Legacy Group, Inc. or any related person(s) may have an interest or position in a certain security(ies) which may also be recommended to a client. As these situations may represent a conflict of interest, the firm has established the following restrictions in order to ensure its fiduciary responsibilities: A director, officer or employee of the firm shall not buy or sell securities for their personal portfolio(s) where their decision is substantially derived, in whole or in part, by reason of his or her employment unless the information is also available to the investing public on reasonable inquiry. No person of the firm shall prefer his or her own interest to that of the advisory client. The firm maintains a list of all securities holdings for itself, and anyone associated with this advisory practice. R. J. Kelly reviews these holdings on a regular basis. The firm requires that all individuals must act in accordance with all applicable federal and state regulations governing registered investment advisory practices. Any individual not in observance of the above may be subject to termination. Wealth Legacy Group, Inc. 13

14 Item 12 Brokerage Practices Not applicable. Wealth Legacy Group, Inc. 14

15 Item 13 Review of Accounts The President of the Wealth Legacy Group, Inc., R. J. Kelly, shall encourage an annual review. The annual review is not required in any case but is encouraged in all cases. There are no independent triggering factors other than the annual benchmark. All reviews shall be overseen by R. J. Kelly. Wealth Legacy Group, Inc. 15

16 Item 14 Client Referrals and Other Compensation Wealth Legacy Group, Inc. may refer financial planning clients to other California registered investment advisers and share in the revenue as a result of such referral arrangements. At the time of the most recent filing, Wealth Legacy Group has solicitor agreements in place with Dunham & Associates, Shareholders Service Group, and Nationwide. When Dunham Mutual funds are used, fees are performance related if the client is a superaccredited investor. Otherwise fees are a flat percentage determined at the time that the account is established and based on the assets and frequency of advisory meetings. R. J. Kelly, President of Wealth Legacy Group, Inc., is available to address any questions regarding such referrals. Wealth Legacy Group, Inc. 16

17 Item 15 Custody None. Wealth Legacy Group, Inc. 17

18 Item 16 Investment Discretion None. Wealth Legacy Group, Inc. 18

19 Item 17 Voting client Securities Wealth Legacy Group, Inc. does not vote proxy statements on behalf of advisory clients. Clients will receive their proxies directly from their custodians. Wealth Legacy Group, Inc. 19

20 Item 18 Financial Information Wealth Legacy Group, Inc. does not require prepayment of more than $500 in fees per client six months or more in advance. Therefore no financial reporting is required. Wealth Legacy Group, Inc. 20

21 Item 19 Requirements for State Registered Advisors Riley James Kelly is the only State Registered Advisor at Wealth Legacy Group, Inc. at the present time. The attached brochure supplement, ADV Part 2B, provides information specifically relating to Mr. Kelly. If you did not receive the brochure supplement, ADV Part 2B, please contact Wealth Legacy Group, Inc. at or by at Wealth Legacy Group, Inc. 21

22 Item 20 Additional Information None. Wealth Legacy Group, Inc. 22

23 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Riley James Kelly CRD No: IARD No: Wealth Legacy Group, Inc Kearny Villa Road, Suite 103 San Diego, California Phone: Fax: rj@wealthlegacygroup.com This brochure supplement was last updated on March 13, 2013 This brochure supplement, ADV Part 2B, provides information about Riley James Kelly and supplements the Wealth Legacy Group, Inc. brochure, ADV Part 2A. You should have received a copy of that brochure. Please contact Riley James Kelly, President if you did not receive Wealth Legacy Group, Inc.'s brochure or if you have any questions about the contents of this supplement. Additional information about Riley James Kelly is available on the SEC s website at Wealth Legacy Group, Inc. i

24 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Item 1 Table of Contents Item Educational Background and Business Experience... 1 Disciplinary Information... 3 Other Business Activities... 4 Additional Compensation... 5 Supervision... 6 Requirements for State Registered Advisers... 7 Wealth Legacy Group, Inc. ii

25 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Item 2 Educational Background and Business Experience Riley James ( R. J. ) Kelly was born in 1954 and has been the president of Wealth Legacy Group, Inc. since its inception in February Experience R. J. Kelly, ChFC, CLU, MSFS, IAR, is an Honors Program graduate from Washington State University. He began his career in the financial services industry in 1977 in Spokane, WA, relocating to San Diego in He has earned the Chartered Life Underwriter and Chartered Financial Consultant designations, and has a Master of Science in Financial Services with an emphasis in taxation. He is an Investment Advisor Representative of his firm, WLG Wealth Management, Inc., a Registered Investment Advisor. R. J. has served on the Spokane Life Underwriters Board of Directors and as ad hoc committee liaison to the San Diego Life Underwriters. He is a thirty plus year member of the Million Dollar Round Table a Life, Qualifying and Honor Roll member. Additionally, he has served in numerous leadership positions with MDRT as member or chair of various standing committees, including the Finance Committee, and was chosen to serve on the MDRT Management Council, and Chair of the MDRT Foundation Planned & Deferred Giving Committee. He is a member of the local, state and national chapters of NAIFA and the Society of Financial Service Professionals. Part of R.J. s time is as a writer and speaker. He has been published in the San Diego Daily Transcript, San Diego Business Journal, Life Association News, Financial Planning Magazine, Broker s World and San Diego County Physician s Magazine, and has been featured or quoted in such publications as the San Diego Union Tribune, LA Times, Denver Post, Indianapolis Star, and Yahoo Finance on numerous advanced planning topics. Speaking audiences have included Hewlett Packard, various NAIFA chapters across the U.S., the Million Dollar Round Table, the San Diego County Bar Business Law Section, the Lorman Business Institute, SHARP Hospital Foundation, the Association for Advanced Life Underwriting in Sydney Australia, the Evangelical Development Ministry annual conference, The Center for Wealth & Legacy, as well as being featured in the PBS series, The Financial Advisors and the radio program, "Inside Business". Professional Certifications The following explains employee certification and credentials in greater detail. Chartered Financial Consultant (ChFC) is a professional designation representing completion of a comprehensive course consisting of financial education, examinations and practical experience. Chartered Financial Consultant designations are granted by The American College upon completion of seven required courses and two elective courses. Those who earn the designation are understood to be knowledgeable in financial matters and to have the ability to provide sound advice. Wealth Legacy Group, Inc. 1

26 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Chartered Life Underwriter (CLU) is a professional designation for individuals who wish to specialize in life insurance and estate planning. Individuals must complete five core courses and three elective courses, and successfully pass all eight two hour, 100 question examinations in order to receive the designation. Master of Science in Financial Services (MSFS) is a graduate degree based on a rigorous course of study focusing on the tools, theory, and practical knowledge required to engage in professional financial planning services and financial analysis. Investment Advisory Representative (IAR) is a person who works for an investment advisory company whose main responsibility is to provide investment related advice. According to regulations, IARs can only provide advice on topics on which they have passed the appropriate examinations. In addition to passing the appropriate exams, an IAR also must be registered with the proper state authorities. Wealth Legacy Group, Inc. 2

27 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Item 3 Disciplinary Information Felony Lewd conduct. This occurrence, self reported to authorities, took place in 1999 and resulted in a felony conviction in Three years of probation expired on August 28, California Superior Court in and for the County of San Diego, CA. This conviction was unrelated to investment business and did not include fraud, false statements or omissions, wrongful taking of property, bribery, perjury, forgery, counterfeiting, or extortion or conspiracy to commit any such activity. Mr. Kelly has fully reported the facts and circumstances of the situation to the various professional organizations to which he belongs. These organizations have reviewed his case and have continued to grant Mr. Kelly full membership. There are no restrictions in Mr. Kelly s capacity to serve as an investment advisory representative. Wealth Legacy Group, Inc. 3

28 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Item 4 Other Business Activities In addition to his role as an Investment Advisor Representative, R. J. Kelly is a financial consultant to private business owners, a licensed independent insurance agent, a speaker and writer, and the co founder and chair of the Center for Wealth and Legacy, a non profit organization founded with a commitment of helping successful business owners and families 'pass forward' their financial success along with the core values and virtues that created their wealth. Wealth Legacy Group, Inc. 4

29 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Item 5 Additional Compensation None. Wealth Legacy Group, Inc. 5

30 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Item 6 Supervision Not applicable. Wealth Legacy Group, Inc. 6

31 FORM ADV PART 2B ( BROCHURE SUPPLEMENT ) RILEY JAMES KELLY Item 7 Requirements for State Registered Advisers Not applicable. Wealth Legacy Group, Inc. 7

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