WEALTH MANAGEMENT IN PITTSBURGH
LEGEND FINANCIAL ADVISORS, INC. 
WEALTH ADVISORY SERVICES BASED ON THE FEE ONLY FINANCIAL SERVICES MODEL

 “THE LEGEND WAY”

Our mission is to achieve an unequaled standard of excellence in our profession by providing personalized value-added services and to become indispensable to our clients by assisting them in making educated, intelligent financial decisions.  We deliver these services to our clients, both individuals and business entities, through customized Wealth Advisory Services including Comprehensive Financial Planning and Investment Management.  Legend Financial Advisors, Inc. is nationally recognized as a firm on the cutting-edge of the Wealth Advisory process, and will continually develop new services and planning concepts to maintain that edge.  We consistently strive to go beyond our client’s expectations.  Our greatest reward is our client’s peace of mind.

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WHAT WE DO

Legend Financial Advisors, Inc. (Legend) is a fee-only U.S. Securities Exchange Commission registered investment advisory firm with its headquarters located in Pittsburgh, Pennsylvania.  Legend provides Wealth Advisory Services including Comprehensive Financial Planning and Investment Management to affluent and wealthy individuals as well as business entities.

We recognize that along with financial success comes increased responsibilities and complexity.  At Legend, we provide a holistic approach to managing all aspects of our clients’ financial situations.  By doing so, we can exploit the critical interdependencies among investments, income and estate taxes, providing income for retirement, daily expense management, as well as business counseling and philanthropic decision-making, if appropriate.  We recognize that our clients’ unique financial needs and goals change over time, so we offer a spectrum of services.  We can demonstrate the short-term as well as long-term benefits of smarter tax strategies and improved investment decisions.  We will also show our clients how to securely transfer money to loved ones, establish a trust or foundation, or simply help them to manage their finances on a daily basis.

 
WHO WE SERVE

Our services are designed to assist the Soon-to-be-Affluent, Affluent (those individuals that have investment assets of $1,000,000 to $10,000,000) and Wealthy (those individuals whose investment assets exceed $10,000,000) individuals and their family members, as well as business entities.  Our clients typically seek unbiased advice with tailored recommendations, improved after-tax results especially with regard to investments, assistance with regard to the transfer of wealth to the next generation, protection of their wealth, and reduction of time spent overseeing their affairs and dealing with a multitude of advisors.  We offer our all-encompassing personalized Wealth Advisory Services in essentially the same manner as that being offered by family offices for super wealthy (typically more than $200,000,000 of investment assets) families, where all of that family’s advisors are under one roof and operate as a team in addressing only that client’s needs in a concerted manner.  How we differ from a family office that deals only with one very wealthy client is that we serve those clients whose level of wealth cannot justify a team of advisors working exclusively for them.  In other words, we provide the same types of services to multiple clients.

 HOW WE DIFFER FROM OUR COMPETITION

We differ from most of our competitors in several ways.  First we are compensated exclusively by fees paid by our clients thereby allowing us to work in our clients’ best interests and solely for them.  In other words, we act in a fiduciary capacity when advising our clients.  Unlike us, many of our competitors receive the bulk, if not all, of their compensation (commissions) from the products  they recommend.  Many times there are hidden commissions and compensation fees, which are not transparent to the client.  In that capacity, by law those advisors are required to work in their firm’s best interest, not the client’s.  Other firms work as a fiduciary for their client only part of the time (they charge a fee part of the time) and are commissioned salespeople at other times.  These advisors call themselves fee-based, attempting to confuse the client into thinking they are fee-only.  Usually, in both of these situations, the individuals that represent these firms have an incentive to recommend high cost products, such as whole life and/or universal life insurance, variable annuities, and A, B, & C shares of mutual funds.

The second major way in which we differ from our competitors is that we work as a team for our clients, providing personal attention every step of the way.  In most firms, each advisor has his or her own set of clients.  While any two advisors in the same firm may operate in a somewhat similar manner, clients almost always receive two different levels of service as well as quality of advice.  At Legend, all clients are firm clients and are counseled in the same manner and receive the same innovative level of advice and hands-on, courteous service.  Each of our advisors specializes in a different area and works on the clients’ behalf in a concerted manner thereby ensuring the quality of advice and level of service we are providing.  Also, we take over the time-consuming task of managing client’s affairs among multiple advisors both internal and external to Legend.  We are always eager to work with a client’s existing advisors to recommend strategies that address our client’s needs.  Should a client need an advisor in a particular area that requires expertise that Legend does not provide, (for example a labor attorney, if we were counseling a business), we will recommend a prescreened professional who can assist in this area.

We further differ from our competitors in that we create customized solutions for our clients.  One simple example of this is, oftentimes, our clients come to us with investments, which have a low cost basis.  At many of our competitor’s firms, they would simply sell the asset and fit the proceeds into their investment offering.  At Legend, a comprehensive analysis of all securities as well as their tax ramifications would first take place and then be discussed at length.  A strategy would then be developed and agreed upon by the client.  If a particular security no longer fits the portfolio, a plan of attack would be developed to liquidate it.  Typically, securities with a low cost basis would be whittled down over time, utilizing losses from other securities. 

Not only do we have a number of investment management offerings, which can be tailored to each client’s needs, but we are constantly on the lookout for new investment strategies, which we can offer to our clients. 

 OUR EXPERTISE AND HOW IT IMPACTS OUR
CLIENT’S FINANCIAL SITUATION

Due to our extensive professional contacts, we have incorporated and improved the “best practices” of numerous advisory firms from across the nation into our Wealth Advisory Services package.  Furthermore, our advisory team members are routinely sought by professional associations, the national media, industry vendors, professional publications, and other advisory firms to speak, write, and/or provide counsel regarding our industry leading client advisory practices and financial knowledge. 

Also, unlike other advisory firms, we offer expertise in all key areas of Wealth Advisory Services including: Income Tax Planning and Preparation, Investment Management, Estate Planning and Trust Services, Asset Protection and Insurance, Expense Management and Reporting, and if applicable, Philanthropy, as well as Business Advisory Services.  This expertise allows our financial advisors to deliver the best possible personalized advice and is provided without conflicts of interest. 

At Legend, we also add value to our services by keeping abreast of industry and legislative changes, providing staff members with continuing education and training programs, and addressing each client’s situation on an individual basis.  We are committed to establishing trust, respect, and a lasting partnership with our client.  We value our long-term client relationships as advisors, partners, and in many cases friends. 

OUR MISSION STATEMENT

 “THE LEGEND WAY”

Our mission is to achieve an unequaled standard of excellence in our profession by providing personalized value-added services and to become indispensable to our clients by assisting them in making educated, intelligent financial decisions.  We deliver these services to our clients, both individuals and business entities, through customized Wealth Advisory Services including Comprehensive Financial Planning and Investment Management.  Legend Financial Advisors, Inc. is nationally recognized as a firm on the cutting-edge of the Wealth Advisory process, and will continually develop new services and planning concepts to maintain that edge.  We consistently strive to go beyond our client’s expectations.  Our greatest reward is our client’s peace of mind.

COMPANY HISTORY

Was founded by Louis P. Stanasolovich, Chief Executive Officer (CEO) and President
Incorporated July 26, 1993 as a Pennsylvania corporation
Was granted registration as an Investment Advisor on September 14, 1993 by the United States Securities and Exchange Commission
Was granted registration as an Investment Advisor on January 6, 1994 by the Pennsylvania Securities Commission
Formally began operations on January 10, 1994.  

ALPHA GROUP MEMBERSHIP 

Mr. Stanasolovich, President of Legend Financial Advisors, Inc., was one of the co-founders of The Alpha Group in September, 1990. The Alpha Group is an exclusive association comprised of 17 senior investment advisors. All are principals of nationally-recognized independent investment management firms throughout the United States. Collectively, they manage more than $3.0 billion of client investments. The Alpha Group was founded to combine the unique professional investment management resources and talents of its individual members. The purpose of the group is to create a network of trusted peers in the investment management business who are willing to share proprietary information, methodology and technology of value to all members of the association. To accomplish this objective, the Alpha Group has established a regular system of communication among members, and with other leaders in money management, economic forecasting and securities analysis. Through this association, Alpha Group members can provide the most technically sophisticated, timely and innovative investment advisory services to their clients. Each Alpha Group member is a nationally-recognized speaker, author/commentator on investment issues, such as: Asset Allocation Portfolio Design Investment/Portfolio Management Risk Tolerance Investment Performance Evaluation Money Manager/Mutual Fund Evaluation ERISA Fiduciary Requirements Wealth Management.

WHAT WE DO 

Legend Financial Advisors, Inc., ("Legend"), is a fee-only Securities and Exchange Commission registered investment advisory firm, with headquarters located in Pittsburgh, Pennsylvania. Legend provides Wealth Advisory Services, including Comprehensive Financial Planning and Investment Management, to affluent and wealthy individuals as well as business entities. Our objective is to deliver customized financial advice that is unequaled in terms of quality from which the client can derive maximum value. Legend expects to achieve its objective by providing all firm members with extensive, ongoing internal and external education, by utilizing leading edge financial information, management, technology, hardware and software, by capitalizing on our extensive national and local networks of other financial professionals and by creating new services not offered by other financial planning/asset management firms that are of value to the client..  

ASSET MANAGEMENT 
Legend Financial Advisors, Inc. offers customized Investment Management Services to individuals and institutions. Investment portfolios are developed to match the client’s return and risk requirements, which are determined by the client’s completion of a Risk Tolerance Questionnaire, with the guidance of a Legend advisor. Each type of investment portfolio is managed to achieve both short and long-term investment objectives. We offer our services to a wide variety of clientele including:
High Net Worth Individuals
Individuals with Lump Sum Rollovers from Retirement Plans
Qualified Retirement Plans
Businesses
Charities
Trusts
Associations 

INVESTMENT PROCESS 

Investment Research
Legend performs extensive research as to how to structure investment portfolios. Emphasis is placed on developing portfolios that have historically achieved high returns, but with lower than normal risk. Legend’s sources of academic and institutional research include:
The University of Chicago
Stanford University
Princeton
Association of Investment Management & Research Sources of Current and Historic Worldwide Financial Market and Economic Data include:
Investment Newsletters, Newspapers, Periodicals, and Professional Journals
Portfolio Managers (Legend interviews in excess of 75 portfolio managers per year).  

Client Education 
Education is very important to us. Legend is dedicated to educating each client about the different investment portfolio types and how they relate to market volatility, time horizons, and investment returns. It is our goal to make sure that the client understands and agrees with our investment philosophy. Furthermore, we assist each client in selecting a risk tolerance level with which they are comfortable. Ultimately, an investment portfolio is designed to meet the client’s objectives.

Evaluating Us 
Asset management clients receive quarterly performance reports. A report details the portfolio performance during the client’s fiscal quarter, and provides a comparison against a number of indices. These performance reports, while providing detailed information, are easy to read and understand. 

Selection of Portfolio Managers At Legend, portfolio managers are selected first, then the investment vehicle. By constantly researching and identifying both the strong and weak characteristics of portfolio managers and their investment process, we assure that our clients are receiving the highest quality management talent. All portfolio managers that we recommend are screened using one on one interviews, followed with periodic conference calls. In addition to private account management, Legend is nationally known for our expertise in selecting mutual funds. Also, over the years, Legend has developed strong relationships within the mutual fund industry. As a result, Legend is able to leverage these relationships to benefit our clients. For example, our clients are provided access to institutional funds that normally carry $250,000 or more minimums. Also, our clients are offered no-load, also known as load-waived, funds that would otherwise carry a load. Furthermore, the institutional funds used by Legend maintain lower expense ratios. Finally, at times, Legend even provides access to funds that have been closed to new investors..  

MUTUAL FUND PORTFOLIOS Global Asset Allocation Legend believes that value in the various investment markets is the long-term determinant of asset prices and that misvaluations occur regularly, providing opportunity to enhance performance by active management. Legend blends different types of investments having various capitalization sizes (large and small) and investment styles (value and growth) within each asset class. Furthermore, Legend determines through the analysis of current and historic worldwide financial market and economic data which asset classes and investment styles are under-valued, fairly-valued and over-valued. Legend attempts to capitalize on these misvaluations by weighting higher percentages of the client’s portfolio to the investments that offer the greatest value. Part of our global asset allocation investment philosophy is to provide broad diversification by using a variety of different asset classes with low correlations to each other. Low correlations of return between asset classes and investment styles help to mitigate performance volatility, which in turn decreases risk while perhaps increasing return. The major asset classes used in our Multiple Asset Class Portfolio include the following:
Short-Term Domestic Debt (Fixed Income - maturities of 4 years or less)
Long-Term Domestic Debt (Fixed Income - maturities of 4 years or more)
Long-Term International Debt (Fixed Income - maturities of 4 years or more)
Domestic Equities
International Equities
Real Estate Equities
Other (Energy Securities, Precious Metals, Mergers and Acquisitions Arbitrage, Hedges, Venture Capital, etc.).

Lower Volatility Portfolios 
The Lower Volatility Portfolios consist of a number of different investment portfolios each designed to meet a specific client need. These portfolios are designed for those investors seeking steady returns, with significantly less volatility than the overall market. To meet this objective, portfolio simulation and quantitative analysis are used to screen potential investment opportunities. Many of the funds selected experience far less downward movement than the overall market. Our Lower Volatility Portfolios combine traditional funds with non-traditional funds that when combined historically have exhibited a weak correlation to the overall market. In each portfolio, each combination of funds is equally weighted and rebalanced annually.

Ultra-Speculative Portfolios 
Legend’s Ultra-Speculative Portfolios focus on buying high growth stocks, mutual funds, and to a lesser degree growth stocks that are, in effect, mutual funds. These high growth investments include not only such hot growth areas as the Internet, technology, biotechnology, and telecommunication companies, but also liquid venture capital, emerging market country companies, small developed country international stocks, and aggressive hedge type investments, among others. We call this option the "Ultra-Speculative Portfolio" because frequently the prices for these securities make little sense based upon traditional valuation methods. When in favor, these securities show a tendency to generate spectacular returns. However, potential losses on some of these securities could approach 60% or even more. We utilize predominantly mutual funds as the vehicle to acquire these types of securities, although at times, individual equities are used. The mutual funds used could be diversified funds, sector funds, index funds, and perhaps even leveraged funds..  

INDIVIDUAL EQUITY MANAGEMENT 
Legend has created a number of individual equity portfolios based upon different investment approaches. The portfolios are managed on a discretionary basis. Clients do not have the opportunity to provide input on each individual purchase, but are able to discuss, with a Legend advisor, the overall approach of the portfolio. The portfolios are as follows:

All Cap Earnings Momentum
Stocks selected are based upon positive earnings surprises as well as positive earnings estimate announcements. This portfolio is maintained by combining individual equities that provide both maximum long-term returns and equities that should outperform the market over the next 1-3 months. This combination makes the All Cap Earnings Momentum portfolio suitable for both long term and short-term investors. There are approximately 15-25 positions in the portfolio.

Tax-Managed Large-Cap Equity Management 
This portfolio is a conservative, low-risk value approach to investing in high-quality U.S. companies. The portfolios are fully invested and well-diversified across industry sectors. The goal is to identify and buy high-quality, attractively priced investments while adhering to a rigorous, disciplined investment process that is designed to provide superior risk/reward performance. There are approximately 30-40 positions in the portfolio. 

Tax-Managed Mid-Cap Equity Management 
This portfolio is an attractive alternative to small-cap equities. The focus is to invest in high-quality U.S. companies with a market cap generally between $1 billion to $10 billion. The portfolios are fully invested and well diversified across industry sectors. The goal is to identify and buy high-quality, attractively priced investments while adhering to a rigorous, disciplined investment process that is designed to provide superior risk/reward performance. There are approximately 50-60 positions in the portfolio..

HEDGE FUNDS AND VENTURE CAPITAL
Through Legend’s vast network of contacts within the financial community, we offer clients access to more sophisticated investment alternatives, such as hedge funds and venture capital. There is a general perception that hedge funds are dangerously high risk vehicles designed only for the elite. The majority of statistical and intellectual evidence suggest otherwise. Hedge funds exhibit inherent returns, which exists partly because there is excess profit to be earned from consistently dealing in the world’s capital and derivative markets on superior terms. Furthermore, these inherent returns are enhanced by another key attribute of the hedge fund structure; incentive based compensation. These alternative investment strategies are yet another way Legend offers customized investment solutions that add value to client portfolios..

Comprehensive Financial Planning Services

After a client completes an extensive data questionnaire and delivers all relevant financial documents, Legend will develop a comprehensive financial plan. It will address the following areas:
Preparation of financial statements
Basic finance issues such as debt structure, liquidity and cash flow issues
Investment strategy
Tax reduction strategies
Education funding
Retirement accumulation and distribution planning
Estate planning
Survivor needs
Risk management, including all insurance coverages
Retirement plan compliance, if applicable
Business planning, if applicable
Medical practice planning, if applicable As part of the financial planning process, Legend develops specific recommendations addressing each of the above listed areas. During this first part of the process, the client will meet with a Legend advisor approximately four to seven times. Each meeting will vary between two and four hours, depending upon the complexity of the client’s situation. Once the recommendations are made, Legend then assists in the implementation of the recommendations where it possibly can. Some examples include:.
  Arranging loans, including mortgages and personal loans with private banking departments of banks and, when necessary, introducing a client with commercial loan needs to an appropriate banking officer.
Providing a banker with appropriate financial information to arrange or renew a loan for the client.
Sending financial information to attorneys so that they prepare the necessary estate documents, including wills, trusts, powers of attorney, health care proxy, and living wills.
Sending tax information to accountants, such as bonus payments, gains and loss information on the sale of securities, etc. to prepare the tax return and make appropriate estimated tax payments.
Requesting information on the policy status of life insurance and annuity policies on behalf of the client. This information would include such items as death benefits, cash values, surrender charges, beneficiaries, tax basis, investment return, etc.
Requesting the tax basis of securities on behalf of clients.
Requesting insurance quotes on behalf of clients. During the first twelve months of service, as well as all ensuing years that Legend is retained, the client is entitled to unlimited phone calls, meetings, service, and advice for their retainer fee. The second and all subsequent years’s retainer fees are approximately 50% to 70% of the original retainer fee, again, depending upon the level of complexity of the client’s situation. Legend, at any time, at its discretion, may increase financial planning retainer fees due to increased operating costs..  

DIANE M. PEARSON, CFP 

Diane M. Pearson, CFP is a shareholder and financial planner with Legend Financial Advisors, Inc. Ms. Pearson has been with Legend Financial Advisors, Inc. since its’ inception in January, 1994. Previously, she was employed by Lou Stanasolovich at Allegheny Financial Group, Ltd. In March 1989, Ms. Pearson was initially employed as an administrative assistant/marketing associate and was promoted to practice coordinator in 1991, senior practice coordinator in 1992, assistant financial planner in 1993 and Senior Assistant Financial Planner in 1995. She has been an advisor with Legend since January, 1998. Ms. Pearson is the director of Legend’s Financial Planning department. She is responsible for meeting with clients, researching client issues, preparing and presenting financial plans and updates and training staff associates in these areas. Her areas of concentration include estate planning, stock option exercise planning and retirement distribution planning. As the senior staff member, she oversees and/or serves as a resource for many of the firm’s day-to-day operations. Ms. Pearson earned the Certified Financial Plannerä (CFP) designation in 2000. She obtained her Series 65 (Investment Advisor) in 1997, Series 7 (Registered Representative), Series 63 (Uniform Securities Agent State License Exam) and life and health insurance licenses in 1992. She graduated from Robert Morris College in December, 1985 with a bachelor’s degree in management and an associate’s degree in accounting. Ms. Pearson has been selected by Worth Magazine as one of the Best Financial Advisors in America in her first year of eligibility in 2001. Ms. Pearson has been named to "Who’s Who in Finance and Industry" in 1995 through 2001. She is an active member of the Financial Planning Association. She has presented a number of educational lectures at the Allegheny County Medical Society, outplacement firms, and for various corporations on various financial topics including: retirement planning, funding retirement plans, as well as distribution planning; starting a savings plan and Roth IRA conversions. Ms. Pearson has been quoted in Family Money, Financial Planning magazine, Individual Investor magazine, Institutional Investor magazine, Investor Advisor magazine, Pittsburgh Post Gazette, Pittsburgh Business Times, and on Bloomberg’s, CNN’s, and MorningstarAdvisor.com’s websites. She as been a guest speaker on various radio and website broadcasts including E*Trade On-Air and The Wealth Advisor Show. Ms. Pearson was a monthly contributor to the Pittsburgh Tribune Review’s business page, writing articles on a variety of topics in the retirement planning area. Ms Pearson has also authored an article entitled "Pre-59½ Distributions – Careful Analysis Is Required, " regarding retirement distribution planning..  

LOUIS P. STANASOLOVICH, CFP 

Louis P. Stanasolovich, CFP is founder, chief executive officer (CEO), and president of Legend Financial Advisors, Inc. ("Legend"), a fee-only Securities and Exchange Commission registered investment advisory firm with headquarters located in Pittsburgh, Pennsylvania. Legend provides Wealth Advisory Services, including Comprehensive Financial Planning and Investment Management, to affluent and wealthy individuals as well as business entities. Mr. Stanasolovich has been selected by Worth Magazine as one of the Best Financial Advisors in America four years in a row and by Medical Economics as one of the Best Financial Advisors in America for Doctors three successive times. Mr. Stanasolovich earned the Certified Financial Planner™ (CFP) designation in 1984 and was admitted to The Registry of Financial Planning Practitioners in 1986. He is a member of the Financial Planning Association (FPA), and The National Association of Personal Financial Advisors (NAPFA), the nation’s largest fee-only professional organization. He graduated from The Pennsylvania State University with a Bachelor of Science degree in accounting. He has completed the 1999/2000 Entrepreneurial Management Program at Carnegie Mellon University Graduate School of Industrial Administration’s Donald H. Jones Center for Entrepreneurs. He was also nominated as a candidate for Western Pennsylvania’s Ernst & Young Entrepreneur of the Year Award in 1999. In September, 1990, Mr. Stanasolovich co-founded The Alpha Group. The Alpha Group is an exclusive association comprised of 17 senior investment advisors. All are principals of nationally recognized independent investment management firms throughout the United States. Collectively, they manage more than $3.0 billion of client investments. He was elected to the International Association for Financial Planning (IAFP; a forerunner of the FPA) National Board of Directors for four consecutive one-year terms (1988-1992). He served as a member of the IAFP’s National Ethics Committee, Registry Committee, Education Committee, Investment Committee, and the Review Committee of The Registry of Financial Planning Practitioners. He is also a former member of Certified Financial Planners Board of Standards Pass Score Committee. Mr. Stanasolovich is retained as a consultant by TIAA/CREF Institute and is currently a member of the TD Waterhouse Advisory Council. He also chaired the IAFP Northeastern United States Regional Council (1987-1988), and is a past president of the 300-plus member Pittsburgh Chapter of the IAFP (1985-1987). He also served on the Board of Directors of the Pittsburgh Chapter of the Massachusetts Institute of Technology Enterprise Forum (1992-1993) and was a board member of the Pittsburgh Society of the Institute of Certified Financial Planners (ICFP; also a forerunner of the FPA) (1994-1995). Mr. Stanasolovich has appeared on "The Asian Wall Street Journal Report," a television program broadcast to the Asian Pacific Rim countries, "CBS This Morning," Wall Street Journal Television, "CNBC’s Mutual Fund Investor," "CNBC’s Money Club," Fox News Channel’s "Fox on Money" programs and on various radio news broadcasts and programs. He is a member of the editorial advisory board of the Fee-Only Client Newsletter. He has published articles in the following periodicals and/or websites: The Pittsburgh Business Times, Financial Advisory Practice, Financial Planning magazine, Financial Planning on Wall Street, Personal Financial Planning, Pennsylvania Law Journal, the Small Business News, Investment News, and TheStreet.com. Quotes by him have appeared in Accounting Today, Barron’s, Bloomberg Personal, Business Week magazine, CFP Today, Changing Times magazine, Executive Report, Family Life magazine, Financial Planning magazine, Financial World, Financial Planning News, Dow Jones Investment Advisor magazine, Journal of Financial Planning, Kiplinger’s, Marketing News, Medical Economics, Money magazine, Morningstar Investor, Mutual Fund Market News, National Underwriter, NEFE Digest, The New York Times, Physicians Financial News, Small Business News, Teacher magazine, USA Today, and The Wall Street Journal. He was also one of the contributing financial advisors to the books "Wall Street’s Picks" 1998, 2000 and 2001 by Kirk Kazanjian. He has been a speaker on various financial planning and asset management subjects at national, regional, and local AICPA, FPA, IAFP, ICFP, and NAPFA conferences as well as for numerous corporations and community organizations..  

ANTHONY S. VARGO

Anthony S. Vargo joined Legend in January, 2000 as an Asset Management Advisor. Mr. Vargo’s primary responsibilities entail portfolio management, investment research, oversight of asset management reporting and analysis, and conducting client presentations. In addition, Mr. Vargo also researches and analyzes alternative investments, mutual fund managers, and the economic environment. Prior to joining Legend, Mr. Vargo served as a Private Client Portfolio Manager with PNC Bank’s Trust Department. Prior to his employment with PNC, Mr. Vargo served as a Senior Financial Analyst with Charles Schwab & Co. Inc. in San Francisco, California. In this position, Mr. Vargo conducted financial analysis and planning for several of Schwab’s business enterprises. Also, while employed with Charles Schwab, Mr. Vargo served as an investment consultant and as an equity and option-trading representative. Mr. Vargo has been quoted in The Wall Street Journal, The Investment News, Financial Planning Magazine, and the Pittsburgh Post Gazette’s Market Monday and Finance Tips’ column. Mr. Vargo has also given presentations on investing before various professional organizations and corporations. Mr. Vargo earned a Bachelor of Science in Business Administration majoring in economics from The Ohio State University. He received a Masters of Business Administration with an emphasis in finance from The Katz School of Business at the University of Pittsburgh. Additionally, Mr. Vargo received a certification in Valuation Analysis from Harvard Business School’s Financial Management - Executive Education Program. Furthermore, Mr. Vargo has completed The Financial Analysis and Securities Trading Program offered by The Carnegie Mellon University..  

DAVID M. WOLFE, CPA David M. Wolfe is a Certified Public Accountant. David joined Legend as a tax advisor in July, 2000. He previously founded the public accounting firm, David M. Wolfe, Certified Public Accountant in 1991. His public accounting firm provides services to small businesses and individuals that involve accounting, forms of business ownership, and tax planning and compliance issues. Mr. Wolfe has held staff and management positions in accounting, finance and sales with Deloitte & Touche, Gimbels, Rockwell International, Automatic Data Processing and Mellon Bank. David graduated from The Pennsylvania State University with a Bachelor of Science degree, in accounting, and from The Ohio State University with a Masters of Business Administration degree. David has served on the boards of directors and held various officer positions of the Cranberry area Chamber of Commerce, Cranberry Rotary Club, American Wind Symphony Orchestra, Pine Creek Community Band, and his church.  

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