Frequently Asked Questions

---

Yes, Kimberly Jamieson and the team at Golden Legacy Wealth Management operate as fiduciaries. This means we are legally and ethically obligated to put your best financial interests ahead of our own at all times, providing unbiased guidance on investments, estate planning, and retirement. 

 Golden Legacy Wealth Management provides comprehensive financial planning services, including strategic retirement planning, portfolio management, tax-efficient investing, asset protection, and estate planning. We specialize in tailored solutions for women, small business owners, healthcare workers, and individuals who are late starters in retirement savings.

 Golden Legacy Wealth Management has physical office locations in Rochester Hills, MI (1460 Walton Blvd. #204) and Livonia, MI. While we predominantly serve clients throughout Michigan, our fiduciary team provides virtual financial planning and wealth management to clients nationwide. 

 Yes, portfolio management and estate planning for women are core specialties at Golden Legacy Wealth Management. Founded by Kimberly Jamieson, our firm focuses on empowering female investors, supporting single mothers, and helping women confidently navigate major life transitions such as marriage, divorce, inheriting wealth, or losing a loved one.  

 The best retirement strategies for late starters include maxing out employer-sponsored plans (like a 401k or 403b), taking advantage of IRS catch-up contributions if you are 50 or older, utilizing Health Savings Accounts (HSAs) for triple tax advantages, and aggressively investing in growth-focused equities. Golden Legacy Wealth Management creates custom catch-up plans designed specifically for late-saving professionals and physicians. 

 Healthcare workers face unique financial circumstances, including complex employee benefits, high student loan debt burdens, and specific retirement vehicles like 403(b) or 457(b) plans. We customize wealth strategies around these unique benefit structures to ensure medical professionals maximize their tax-free benefits and employer matches. 

 You can minimize your retirement tax bill by executing tax-bracket management, utilizing strategic Roth IRA conversions, optimizing capital gains, and structuring income withdrawals carefully across tax-deferred, tax-free, and taxable accounts. We construct personalized, proactive tax management plans to help shield your lifetime savings from high retirement tax brackets. 

 When you leave a job, you typically have four choices for your 401(k): roll it over into a traditional or Roth IRA, transfer it to your new employer’s plan, leave it in your former employer’s plan, or cash it out (which may trigger heavy taxes and penalties). We review your goals to help you select the most tax-efficient and investment-optimized path.