Straightforward Financial Advice, Centered on You 

Fee-based advising puts the focus where it belongs — on your financial goals, not on product sales. Lockridge Legacy Financial Services offers fee-based financial advisory to individuals, families, and business owners across North Central Missouri and nationally, with no minimum asset requirement to get started.

A Different Approach to Investment Management

Commission Based Investing

We manage individual investment accounts on a commission basis, selecting from a broad range of securities, funds, and products — always with your goals driving the decision, never a house product requirement.

Investment Advisory

Through our fee-based advisory model, we provide objective, ongoing guidance on your overall financial picture. You work directly with Carrie or Brennon — not a rotating associate or a call center — giving you a consistent relationship and a clear understanding of your strategy.

Tax Efficient Investing

We factor tax impact into every investment recommendation, helping you keep more of what you earn through smart account selection, asset location, and long-term planning strategies.

Common Questions About Investment Services

  • Do I need a large portfolio to work with Lockridge Legacy Financial Services?

    No minimum portfolio size is required to start a conversation with us. We work with clients at a range of asset levels — from those just beginning to invest in their thirties to those managing substantial retirement portfolios. The right time to start is whenever you are ready to be intentional about your financial future.

  • Can I work with you if I live outside of Missouri?

    Yes. Lockridge Legacy is licensed in multiple states and works with clients nationally. While we are rooted in Chillicothe and North Central Missouri, geography is not a barrier to working together.

  • What is the difference between a financial advisor and an investment manager?

    A financial advisor takes a broader view of your financial life — goals, income, debt, insurance, estate planning, and more — while an investment manager focuses specifically on building and managing a portfolio. At Lockridge Legacy, we do both. Depending on your needs, we can serve as your investment manager, your financial advisor, or both.

  • How do I know which type of IRA is right for me?

    The right IRA depends on your current income, your expected tax situation in retirement, and whether you anticipate needing flexibility before retirement age. This is exactly the kind of question we work through with clients directly. There is no universal answer, and we do not give generic ones.