This Disclosure document is being offered to you by Wealth Legacy Institute, Inc. (“WLI” or “Firm”) about the investment advisory services we provide. It discloses information about our services and the way those services are made available to you, the Client. WLI is principally owned by Kimberly L. Curtis, who also serves as the Firm’s Chief Executive Officer. WLI is a forward-thinking registered investment advisory firm founded in 2007. We are dedicated to adding value to clients through integrated financial planning, tax-efficient investment management, estate planning advice and family wealth advisory services. We are committed to helping clients build, manage, and preserve their wealth. WLI provides services that help clients to achieve their stated financial goals. We will offer an initial complimentary meeting upon our discretion; however, investment advisory services are initiated only after you and WLI execute an Investment Management Agreement. While this brochure generally describes the business of WLI, certain sections will also discuss the activities of its Supervised Persons, which refer to the WLI’s officers, directors (or other persons occupying a similar status or performing similar functions), employees, or any other person who provides investment advice on WLI’s behalf and is subject to WLI’s supervision or control. INVESTMENT ADVISORY AND WEALTH MANAGEMENT SERVICES WLI’s mission is to serve clients. Our focus has been unwavering. We do this by our commitment to transparent pricing, minimizing potential conflicts of interest and providing actionable advice. We use our firm-wide expertise to help each client define their ideal future and help bring that plan into action. We primarily allocate client assets among individual stocks, bonds, exchange traded funds (“ETFs”), options, mutual funds, cash and other public and private securities or investments. All of which are considered asset allocation categories for the client’s investment strategy. During personal discussions with clients, we determine the client’s objectives, time horizons, risk tolerance, and liquidity needs. As appropriate, we also review a client’s prior investment history, as well as family composition and background. we use this information to develop a client’s personal profile and investment plan. We then create and manage the client’s investments based on that policy and plan. Once we have determined the types of investments to be included in a client’s portfolio and have allocated the assets, we provide ongoing investment review and management services on a discretionary basis. Within our discretionary relationship, we will make changes to the portfolio, as we deem appropriate, to meet client financial objectives. We trade these portfolios based on the combination of our market views and client objectives, using our investment process. Clients can impose reasonable restrictions or mandates on the management of their account if WLI determines, in its sole discretion, the conditions will not materially impact the performance of a management strategy or prove overly burdensome to WLI’s management efforts. It is the client’s obligation to notify us immediately if circumstances have changed with respect to their goals. However, where certain inefficiencies present themselves or we believe that a manager has an unusual advantage in a marketplace, WLI will suggest or and employ other strategies. These strategies could include the engagement of an independent investment managers (“IIM”), mutual funds, exchange-traded funds (“ETFs”), alternative investments, or other listed securities, in accordance with the investment objectives of its individual clients. Where appropriate, WLI will also provide advice about client-selected securities, legacy positions, or other investments held in client portfolios. Typically, these are assets that are ineligible to be custodied at our primary custodian. Clients will engage us to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, annuity contracts, and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). Alternative investments represent asset classes outside the realm of traditional stocks, bonds, mutual funds, ETFs, and cash equivalents. Where determined suitable for a client, WLI will utilize or otherwise recommend alternative investments. MARCH 2023 | PAGE 4 Clients have a direct and beneficial interest in their securities, rather than an undivided interest in a pool of securities. We do have limited authority to direct the Custodian to deduct our investment advisory fees from your accounts, but only with the appropriate written authorization from clients. In most cases, at least a partial cash balance will be maintained in a money market account so that our firm can debit advisory fees for our services related to this service. You are advised and are expected to understand that our past performance is not a guarantee of future results. Certain market and economic risks exist that adversely affect an account’s performance. This could result in capital losses in your account. INDEPENDENT INVESTMENT MANAGERS (“IIM”) As mentioned above, where deemed appropriate, WLI shall allocate client assets to certain Independent Managers to actively manage those assets. The specific terms and conditions under which the client engages an Independent Investment Manager are set forth in a separate written agreement between the designated Independent Manager and either WLI or the client. In addition to this brochure, clients also receive the written disclosure documents of the designated Independent Managers engaged to manage their assets. Investment advice and trading of securities will only be offered by or through the chosen IIM. Our firm will not offer advice on any specific securities or other investments in connection with this service. Prior to referring clients, our firm will provide initial due diligence on IIM and ongoing reviews of their management of client accounts. When employed, WLI evaluates various information about the Independent Investment Manager it chooses to manage client portfolios, which could include the Independent Investment Managers’ public disclosure documents, materials supplied by the Independent Managers themselves and other third- party analyses it believes are reputable. To the extent possible, WLI seeks to assess the IIM’s investment strategies, past performance and risk results to its clients’ individual portfolio allocations and risk exposure. WLI also takes into consideration each IIM’s management style, returns, reputation, financial strength, reporting, pricing, and research capabilities, among other factors. WLI will periodically review IIM reports provided to the client at least annually. WLI will contact clients from time to time in order to review their financial situation and objectives; communicate information to IIM’s as warranted; and assist the client in understanding and evaluating the services provided by the IIM. Clients will be expected to notify our firm of any changes in their financial situation, investment objectives, or account restrictions that could affect their financial standing. FINANCIAL PLANNING Additionally, Wealth Legacy Institute offers integrated financial planning and investment management services in a collaborative holistic approach. The range of services depends upon the specific needs of the WLI’s individual clients and address any or all of the following areas:
• General Financial Oversight (net worth / cash flow)
• Risk Management Review (life, disability, health, long-term

care, property/casualty) Investment Management (portfolio allocation, risk tolerance)
• Retirement Planning (needs analysis, time horizon) Tax Planning (tax minimization, tax loss harvesting)
• Wealth Transfer and Estate Planning (succession, trusts, wills)
• Family Enterprise (governance, leadership, education)
• Philanthropic Planning (strategy, coaching) A written evaluation of each client's initial situation or Financial Plan is provided to the client. An annual review will be provided by the Adviser, if indicated by the Client and Adviser per the Agreement. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. MARCH 2023 | PAGE 5 An annual review will be provided by the Adviser, if indicated by the Client and Adviser per the Agreement. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. In performing these services, WLI is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.) and is expressly authorized to rely on such information. WLI may recommend the services of itself or other professionals to implement its recommendations. Clients are advised that a conflict of interest exists if clients engage WLI to provide additional services. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by WLI under a financial planning engagement or to engage the services of any such, recommended professionals, including WLI itself. Clients are advised that it remains their responsibility to promptly notify the Firm of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising WLI’s previous recommendations and/or services. RETIREMENT PLANNING & ROLLOVER RECOMMENDATIONS As part of our advisory and financial planning services, WLI may provide you recommendations and advice concerning your employer retirement plan or individual retirement accounts (“IRAs”). WLI acts as a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. Our recommendations may include you considering withdrawing assets from your employer’s retirement plan or other qualified account and rolling the assets over to an IRA. A client or prospect leaving an employer typically has four options regarding an existing retirement plan (and could engage in a combination of these options): (i) leave the money in the former employer’s plan, if permitted, (ii) roll over the assets to the new employer’s plan, if one is available and rollovers are permitted, (iii) rollover to an Individual Retirement Account (“IRA”), or (iv) cash out the account value (which could, depending upon the client’s age, result in adverse tax consequences). WLI may recommend an investor roll over plan assets to an IRA for which WLI provides investment advisory services. As a result, WLI and its representatives may earn an asset-based fee. In contrast, a recommendation that a client or prospective client leave their plan assets with their previous employer or roll over the assets to a plan sponsored by a new employer will generally result in no compensation to our Firm. Our Firm therefore has an economic incentive to encourage a client to roll plan assets into an IRA that our WLI will manage, which presents a conflict of interest. To mitigate the conflict of interest, there are various factors that WLI will consider before recommending a rollover, including but not limited to: (i) the investment options available in the plan versus the investment options available in an IRA, (ii) fees and expenses in the plan versus the fees and expenses in an IRA, (iii) the services and responsiveness of the plan’s investment professionals versus those of WLI, (iv) protection of assets from creditors and legal judgments, (v) required minimum distributions and age considerations, and (vi) employer stock tax consequences, if any. All rollover recommendations are reviewed by our Firm’s Chief Executive Officer and remains available to address any questions that a client or prospective client has regarding the oversight. EDUCATIONAL SEMINARS, WORKSHOPS & SPEAKING ENGAGEMENTS From time to time, our Investment Advisor Representatives (“IARs”) may present financial or investment related seminars to educate our clients and/or the general investing public. The seminar materials and any handouts provided may either be prepared by an IAR or by an unaffiliated publisher or distributor of investment seminar materials. The materials presented at the seminars and the seminars in general are intended to be purely educational in nature. Neither the information discussed at seminars, nor the information contained in the seminar materials or any handouts, which may be distributed, are intended as specific investment advice. We do not support that any information provided to you during a seminar will be appropriate for your situation or will help you to meet your financial goals or objectives. MARCH 2023 | PAGE 6 Your attendance at a seminar does not require you to complete an advisory agreement with our IAR. If you attend a seminar, you are our client for purposes of the seminar only. You cease to be our client following the conclusion of the seminar unless you subsequently engage us to provide additional advisory services through the execution of an Advisory Service Agreement. GENERAL INFORMATION Where appropriate, Wealth Legacy Institute will work with a client’s other advisors to ensure consistent execution of suggested strategies. Prior to engaging WLI to provide any of the foregoing advisory or planning services, clients are required to enter into one or more written agreements with Wealth Legacy Institute setting forth the relevant terms and conditions under which WLI renders its services (collectively the “Agreement”). It is the client’s obligation to notify us immediately if circumstances have changed with respect to their goals. Investment Advisory, Wealth Management, and Planning Services offered by WLI shall not be considered legal, tax, or accounting advice. Clients should coordinate and discuss the impact of financial advice with an attorney and/or tax professional. Transactions in accounts, re-allocations and/or rebalancing can trigger a taxable event, with the exceptions of IRA accounts and other qualified retirement accounts. Performance might suffer due to difficulties with diversifying smaller accounts. In addition, smaller account performance might vary from larger accounts due to market fluctuations that could impact smaller accounts more and the effects of compounding might be greater in larger accounts. ELECTRONIC DELIVERY OF DOCUMENTS Upon a written agreement, WLI is authorized to provide all personal financial information, including statements, electronically. This could include the client’s quarterly invoice detailing the calculation of fees, any notices, and other communications or disclosures, including WLI’s annual Form CRS, ADV Part 2A, ADV Part 2B Brochures, and Privacy Policy. The client must provide a valid email address for this purpose. It is the client’s obligation to notify us immediately if the email address or authorization has changed. WRAP FEE PROGRAM Our Firm does not sponsor a Wrap Fee Program. ASSETS As of December 31, 2022, WLI had $174, 838,451 in assets under management, all of which were managed on a discretionary basis.