We Do Not Sell Products. We Design Legacies.
King Legacy Group exists to help business owners and professionals build wealth that grows, stays protected, reduces taxes, and lasts beyond their lifetime. That is the LivingLEGACY™.
Complimentary. No pressure. A clear path to your LivingLEGACY™.
Strategy First. Always.
Most financial professionals are trained to sell products. We are trained to plan strategies. The difference is not subtle. A product-first approach fits your situation to a vehicle. A strategy-first approach identifies what your life actually requires, then finds the right vehicle to execute it. The LivingLEGACY™ framework is how we ensure strategy always comes first.
The Philosophy
What LivingLEGACY™ Actually Means
LivingLEGACY™ is not a product name. It is the answer to a fundamental question: what does wealth actually need to do for you while you are living, and what does it leave behind when you are gone?
Most financial strategies are built around one objective at a time. Accumulation. Protection. Income. Tax reduction. These are not wrong goals. But when each is pursued in isolation, you end up with a collection of financial products that do not work together: protection without liquidity, growth without access, income without tax efficiency, wealth without intentionality.
LivingLEGACY™ is built differently. It starts with the whole picture and works backward to the strategy. Four integrated pillars: Liquidity, Tax Efficiency, Protection, and Legacy. Each serves a distinct purpose and connects to the others.
The result is a financial architecture that earns its keep while you are living and fulfills its purpose after you are gone.
The LivingLEGACY™ Framework
LivingLEGACY™ is not a product. It is a philosophy and a planning system. Four integrated pillars, each serving a distinct purpose in your overall wealth architecture.
Liquidity
Wealth that cannot be accessed is wealth that cannot be deployed. Liquidity means your money works for you without being locked behind age restrictions, market conditions, or employer rules.
Tax Efficiency
The IRS code contains legal, approved strategies most Americans never use. We use them. Growth that compounds without annual tax drag. Access that does not trigger ordinary income tax. Transfers that do not create a taxable event.
Protection
A strategy that works in ideal conditions is not a strategy. Protection means your plan survives market downturns, health events, disability, and death. The floor is built in before the ceiling is pursued.
Legacy
Legacy is not just what you leave. It is the decision that the wealth you build will outlast you, reach the people you love, and carry forward without being consumed by taxes, probate, or poor planning.
The Work Behind the Framework
Built From Experience. Driven by Purpose.
JM Eberhardt is not a financial advisor who came from money. He is a serial entrepreneur who spent two decades building, losing, and rebuilding, and who learned the hard way what the wealth industry was not teaching people like him.
Over 13 years as a tech founder, JM built companies that won awards and attracted real investor attention. His scheduling platform, Got You In, reached 46 states and seven countries and was named one of the top 10 startups in Tennessee. His location-based marketing technology resulted in a signed $10 million license deal that dissolved when the licensee filed for bankruptcy at the eleventh hour. JM had been living on credit cards for six months.
In February 2018, he reached a breaking point. A goodbye letter he could not finish writing to his baby brother was the thing that stopped him. He called a counselor that same day. What followed was not just recovery. It was a complete re-examination of how he had been building, what tools he had access to, and what had never been offered to him.
The answer came through a concept he had never encountered: the idea of building your own bank. In the early 2000s, JM owned a captive Allstate agency and held his Series 6 and 63 securities licenses. That model, built around home and auto, never introduced him to wealth strategy development. When he finally understood what those tools could have meant for his liquidity gaps, his capital raises, and his long-term security, he re-licensed immediately.
That realization is why King Legacy Group exists. The people JM works with are not starting from nothing. They are building, earning, and producing. What they lack is not drive. What they have lacked is access, exposure, and information that has historically been reserved for the already-wealthy. JM's purpose is to close that gap with strategies that are legal, proven, and available right now.
The LivingLEGACY™ framework is how that purpose takes form. Four integrated pillars: Liquidity, Tax Efficiency, Protection, and Legacy. These are not abstract categories. They are the exact tools JM needed at every stage of his entrepreneurial career and did not have. Every client strategy is built around them. Every plan is designed to grow, protect, and outlast.
What Clients Say
“Working with King Legacy Group fundamentally changed how I approach business and personal wealth. For the first time, my protection plan, retirement strategy, and tax reduction are working together instead of pulling in different directions. The results have been exactly what JM said they would be.”
“I had contributions on autopilot and assumed that was my retirement plan. JM showed me how much I was leaving on the table every year in unnecessary taxes and missed growth. The LivingLEGACY™ framework gave me a strategy I actually understand and believe in.”
“What sets King Legacy Group apart is that JM actually explains why every piece of the strategy works. I never felt sold to — I felt guided. The plan we built together reflects my goals, my timeline, and my family's future.”
Our Client Pledge
The Standard We Hold Ourselves To
We start with your situation. Every strategy begins with a clear understanding of your situation, your goals, and your timeline. Products follow strategy. Strategy follows truth.
We explain the why. You will always understand what we are recommending, why we are recommending it, and what it will cost. No surprises.
We tell the truth clearly. We will be straightforward about what fits and what does not, including when the honest answer is that we are not the right fit for your situation.
We respect the trust you place in us. We will manage your trust as the asset it is. That means staying current, communicating clearly when things change, and being available when it matters.
We build for the long term. This is not a transaction. It is a relationship we intend to earn and keep.
Ready to Design Your LivingLEGACY™?
A complimentary Strategy Review gives you a clear picture of where you stand, what is working against you, and exactly what to do next.