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JULY 2020



Published By Legend Financial Advisors, Inc.®





This newsletter discusses improving your finances and is a service, provided courtesy of Legend Financial Advisors, Inc.® (Legend).  Legend serves clients nationwide.  



Using Sectors And Sub-Sectors To Out-Perform Poor Stock Markets presented by Louis P. Stanasolovich, CFP®

Thursday, August 13th at 7:00 p.m. Eastern Time Register Now

Wednesday, August 19th at Noon Eastern Time Register Now

Registration is free.  Please feel free to invite relatives, friends, colleagues, etc. to attend.


To watch and/or view Legend’s entire list of Webcasts created in 2020 and 2019, please go to  New Webcasts will be posted to this location on the Website within a few days of each live event.





The Risks And Rewards Of High Yield (Junk) Bonds:

Returns on high yield bonds, a.k.a. junk bonds, can be very attractive especially relative to higher rated bonds.  These corporate debt securities are essentially unsecured bonds that carry different risks than investment grade AAA, AA, A or even BBB bonds.  These bonds are rated no higher than the BB by Standard and Poor’s or Baa by Moody's.  Unrated bonds may also be included in the junk category.  It is best not to invest in individual junk bonds.  Otherwise, an investors’ risks will skyrocket.  Learn more by reading The Risks And Rewards Of High Yield (Junk) Bonds”.  For further information, contact Legend’s Lou Stanasolovich, CFP® at (412) 635-9210.

Important Estate Documents Available For Clients:

Testamentary Letters and Executor Checklists are available from Legend Financial Advisors, Inc.® to all clients upon request.  A Testamentary Letter is simply a non-binding document left to an individual’s executor or a beneficiary.  The purpose is to define what the individual wants to be done with a particular asset after their death or incapacitation.  Some letters of intent also provide funeral details or other special requests.  Learn more by reading Important Estate Documents Available For Clients”.  For further information, contact Legend’s James J. Holtzman, CFP® at (412) 635-9210.

Credit Monitoring Services Are Becoming A Neccessity:

As many as nine million Americans have their identities stolen each year.  Identity thieves can use the information they obtain in a number of ways, such as credit card information, rent an apartment, and pay their bills with the stolen funds.  It could take years and thousands, if not tens of thousands of dollars to recover both one’s name and rectify one’s credit if not addressed aggressively.  Learn more by reading Credit Monitoring Services Are Becoming A Neccessity”.  For further information, contact Legend’s James J. Holtzman, CFP® at (412) 635-9210.

Bought A New Car? Check In With One’s Agent ASAP:

This article contains highlights from a recent Erie Insurance article.  It goes without saying that purchasing a new or a used vehicle is an exciting (and busy!) time.  From deciding on features, negotiating a deal and figuring out financing, there are a lot of decisions happening in a short period of time.  There’s one more thing to add to one’s new car to-do list, too.  And that’s informing one’s Property and Casualty agent about their new ride.  Learn more by reading Bought A New Car? Check In With One’s Agent ASAP”.  For further information, contact Legend’s James J. Holtzman, CFP® at (412) 635-9210.

Income Tax Bracket – 2020 Tax Fast Facts:

American Century Investments® has compiled a variety of facts and figures to reference relative to the 2020 income tax brackets.  These figures can aid individuals when making important personal financial decisions, and also help individuals become more familiar with current tax information.  Questions should be directed to James J. Holtzman, CFP®.  To view these facts and figures, please click here.


Pulse.pngThe Global Investment Pulse is an innovative, cutting-edge economic and investment newsletter published by Legend Financial Advisors, Inc.® and EmergingWealth Investment Management, Inc.®.  It is designed to assist investors as to how better investment portfolios are built.  Articles and charts on both current and historical trends for the domestic and international markets are included.  To view The Global Investment Pulse, please visit where the latest issues are available.

To subscribe to receive complimentary issues of The Global Investment Pulse on a monthly basis, please visit



Podium.pngLegend’s advisors are available to speak and/or make a presentation, free of charge, to any organization.  Please contact Chris Kail at (412) 635-9210 to discuss any speaking opportunities.  Legend’s advisors can speak on any number of financial subjects.  Typical Audiences include senior citizen groups, investment clubs, medical societies, religious organizations, educational institutions, divorce, widows/widowers, AARP, and professional groups.



Legend Financial Advisors, Inc.® (Legend) is a Fee-Only1, Fiduciary U.S. Securities and Exchange Commission Registered Investment Advisory Firm with Its Headquarters Located in Pittsburgh, Pennsylvania.  Legend provides Personalized Wealth Management Services including Financial Planning and Investment Management Strategies to Individuals and Families, Business Entities, Medical Practices and Non-Profit Organizations as well as Retirement Plans.  Legend Serves Clients Nationwide.

Legend and its Advisors are Fiduciaries.  As a Fiduciary, Legend and its Advisory Team Works in Their Clients’ Best Interests At All Times.


Legend’s Fee-Only And Transactions Disclosure:


Contact Us:

5700 Corporate Drive, Suite 350
Pittsburgh, PA 15237

Phone: (412) 635-9210
Fax: (412) 635-9213


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