A Retirement Strategy Built Around Your Life

Independent retirement planning from advisors who know your name — and your goals. Most people know they need to save for retirement. What's harder to figure out is how much, in what accounts, and in what order — especially when your income, family situation, and timeline don't fit a generic template. 

A Different Approach to Investment Management

Individual & Rollover Retirement Plans (IRA & Roth IRA)

We help you open, manage, and optimize Traditional IRAs, Roth IRAs, and rollover accounts from previous employers. Whether you are building tax-deferred growth or positioning for tax-free retirement income, we work with you directly to choose the right account structure and investment mix for your situation.

Employer Retirement Plans

We establish and administer Simple IRA plans for small and mid-sized businesses in Chillicothe and across North Central Missouri. If you are an employer looking to offer a meaningful retirement benefit without the complexity of a 401(k), a Simple IRA is a straightforward, cost-effective solution — and we handle the setup and ongoing guidance every step of the way.

Common Questions About Investment Management

  • What types of investment accounts do you manage?

    We manage a full range of individual investment accounts, including Traditional IRAs, Roth IRAs, rollover accounts from previous employers, and taxable brokerage accounts. We also establish and administer Simple IRA plans for employers in Chillicothe and across North Central Missouri.

  • Do you offer fee-based or commission-based investment management?

    We offer both. Our fee-based advisory model means you can receive objective guidance without commission-driven recommendations, while our commission-based investment management is also available depending on your needs and account type. We will explain both structures clearly so you can choose what fits your situation.

  • How do you decide which investments are right for my portfolio?

    We start by understanding your goals, timeline, risk tolerance, and current financial picture. From there, we build and manage an investment mix tailored to your specific situation — whether you are focused on long-term growth, income in retirement, or balancing both.

  • Can you manage my investments if I don't live in Chillicothe or Missouri?

    Yes. While we are rooted in Chillicothe and serve clients throughout North Central Missouri, Lockridge Legacy Financial Services is licensed in multiple states and works with clients nationally. Distance is not a barrier to receiving personalized investment management from our team.