BIAR Legacy, LLC

BIAR Legacy provides discretionary investment management and tailored financial advising to individuals and families, high‑net‑worth clients, and charitable organizations. As a fiduciary, the firm manages client accounts under discretionary authority and offers coaching and consulting on personal finance, marriage and family finance, small business matters, and planning for insurance, taxes, retirement, education, and estates.

The firm constructs values‑driven portfolios primarily from individually selected U.S. equities, with selective use of real estate funds, commodities, precious metals, fixed income and non‑U.S. securities to diversify and pursue alpha through active selection and reallocation rather than market timing. BIAR Legacy employs charting, fundamental, quantitative and technical analysis, requires client accounts at Interactive Brokers so clients retain visibility and liquidity, and will consider margin on a client‑by‑client basis while avoiding options and algorithmic trading.

Notably, BIAR Legacy lists charitable organizations among its client types, a focus that is less common among independent solo advisers, and emphasizes custom‑built equity portfolios to limit reliance on mutual funds. The firm also discloses that it does not accept third‑party compensation, issues quarterly account and fee summaries, maintains a written Code of Ethics, and keeps internal records of personal trading.