Flat-Fee • Tax-Focused • Specialized Expertise

Flat-Fee Financial Planning in Greensboro

Guiding families across North Carolina’s Triad and Triangle from plan to peace of mind.

We coordinate your tax strategy, align your estate, manage your investments, and handle the behind-the-scenes execution that most families are missing—all for one transparent flat fee.

Plan Your Route See How Our Flat Fees Work
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Flat-fee: one transparent annual price based on complexity, not portfolio size

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Fiduciary: legally required to act in your best interest — no commissions, no hidden incentives

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Tax-focused: year-round bracket management, Roth windows, IRMAA modeling, and asset location

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Special needs expertise: SNT coordination, ABLE accounts, SSI/Medicaid monitoring, two-lifetime planning

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Where we serve: Triad and Triangle in person — virtual nationwide

We solve for complexity, not just investments.

  • Coordination Chaos

    The problem: Your CPA, attorney, trustees, and advisor don’t talk—leaving you stuck as the exhausting go-between.

    Our fix: We do “The Legwork.” We coordinate your professional team and sync tax and estate strategies so details don’t fall through the cracks.

  • The Tax Blindspot

    The problem: Most families pay far more in taxes over their lifetime than they ever needed to—not from bad decisions, but from planning that only looks backward.

    Our fix: Proactive, year-round tax planning designed to help reduce lifetime tax drag—so opportunities aren’t missed and surprises don’t show up later.

  • Two-Lifetime Planning (Special Needs)

    The problem: What happens to your loved one when you’re not here? Who coordinates the finances, manages the trust, and makes sure the right people know what to do?

    Our fix: A durable plan for two lifetimes—Special Needs Trust and Achieving a Better Life Experience (ABLE) coordination, successor readiness, a living Letter of Intent, and clearly defined roles for trustees, caregivers, and professionals to carry your family’s intent forward. Read the Special Needs Financial Planning Guide →

Friends hiking a mountain trail together in North Carolina

Who We Serve

Every family’s path is different. We guide each one with the same depth and care.

Families Navigating Special Needs

Benefit preservation, trust coordination, ABLE accounts, tax-aware funding, and long-term care planning—designed to protect your loved one’s quality of life while aligning attorneys, trustees, and caregivers.

Special Needs Financial Planning

Tax-Focused Families: Accumulation to Retirement

For working professionals and retirees alike: equity compensation, Roth conversion windows, Social Security optimization, IRMAA management, and guardrail-based income planning.

Retirement & Tax Planning
Kayaking on a mountain river in North Carolina

Why Families Choose Legs Financial

Flat-Fee Advice

Our fee doesn’t change with your portfolio. When we recommend paying down debt, funding a trust, or holding cash, it’s because the analysis supports it—not because our compensation structure does.

See our fees

Tax-Focused Planning

Not a year-end checklist. Year-round bracket management, Roth conversion windowing, asset location, and proactive collaboration with your tax team—designed to help reduce tax drag over time.

How We Work

Deep Expertise for Complex Lives

Special-needs planning deepened our expertise in Social Security, Medicare, trust structures, and coordinating across advisors. That depth serves every family, not just families with special needs.

Special Needs Financial Planning Guide

Charitable Giving Strategy

Donor-advised funds, qualified charitable distributions, and gifting timelines—coordinated with your tax plan so generosity and tax efficiency work together. Designed to help align your giving with your broader financial picture.

Community Impact · DAF Planning Guide

Why I Started Legs Financial

The name of the firm comes from a hike up to McAfee Knob. I led a group up the trail in the pitch dark, and once we reached the top, they suggested the trail name Legs, a nod to staying steady and keeping the group moving when the path was hard to see.

Navigating retirement or special needs planning can feel like a similar climb. Often, the challenge is simply knowing how to take the next step when you can’t see the whole trail. I built this firm to help families find that same steady footing: staying organized and moving forward with confidence, even when the path ahead isn’t perfectly clear.

Mike Davis, CFP® ChSNC®, founder of Legs Financial

Mike Davis, CFP® ChSNC®
Founder, Legs Financial

Meet Mike

Mike’s work has always centered on teaching, coaching, and helping others navigate complex decisions. Today, he works alongside families planning for what matters most: retirement on their own terms, a secure future for a child with special needs, and the peace of mind that comes from getting the details right.

Based in Greensboro, Legs Financial provides fee-only, flat-fee fiduciary guidance to families throughout the Triad and Triangle.

CFP® — Certified Financial Planner ChSNC® — Chartered Special Needs Consultant NAPFA — National Association of Personal Financial Advisors FPA — Financial Planning Association XY Planning Network ASNP — Academy of Special Needs Planners

Professional designations and memberships. Registration does not imply a certain level of skill or training.

What is flat-fee financial planning?

Flat-fee financial planning charges a single, transparent fee for comprehensive advice—rather than a percentage of your investment accounts. At Legs Financial, the flat fee is based on planning complexity, not portfolio size, so our guidance stays objective whether we recommend investing, paying down debt, or holding cash.

See Flat-Fee Pricing →

What is “The Legwork” in financial planning?

The Legwork is the work we do between meetings to keep a complex plan moving—so the right people talk, the right steps happen, and nothing gets lost at the handoffs. It’s the follow-through that turns a financial plan into financial progress.

See how The Legwork works →

“We carry the heavy pack so you can enjoy the view.”

Ready to Start the Conversation?

Every family’s journey is unique. We’d love to learn about yours. Schedule a complimentary 30-minute call to explore how we can help.

Schedule a Trailhead Meeting

Where We Work

Areas We Serve

We meet face-to-face with clients across the NC Triad and Triangle, and work virtually with families nationwide.

  • ✓  Greensboro
  • ✓  Winston-Salem
  • ✓  High Point
  • ✓  Durham
  • ✓  Chapel Hill
  • ✓  Raleigh
  • ✓  Virtual — nationwide