About Us Our team is your team
Our reasons for becoming financial professionals are deeply personal. We repeatedly saw many friends and family struggling to find the help they needed to map out their financial future. We are confident that with our understanding of personal finance, coupled with our training as financial professionals, we can help people better prepare for the future. After years in the business, we have developed a reputation for educating individuals in an easy-to-understand manner so they can grasp personal finance and use those concepts to pursue their financial objectives. We feel a commitment to our community.
At our firm, we have the client and only the client in mind.
Over the years, we have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world. We invite you to discover and experience the power of our services. We believe it has far-reaching benefits for our clients to get opinions from several sources with diverse backgrounds, education, and experience.
No one strategy fits everyone, which is why every client gets our undivided attention—from planning to execution to follow-up. We take a proactive approach to helping you develop a strategy to address your financial goals and objectives, using the most efficient methods available.
Connect
Every relationship starts with a conversation. We take time to get to know you, your goals, values, concerns, and what financial success means to you. This initial connection helps us understand where you are today and where you’d like to go, so we can build a strong foundation for the planning process.
Plan
Using what we’ve learned, we develop a personalized financial strategy designed around your unique needs. Your plan serves as a roadmap, helping you prioritize goals, address challenges, and make informed decisions with confidence. It’s built to be flexible, evolving as your life and circumstances change.
Grow
With a plan in place, we help you put your strategy into action. This phase focuses on implementing solutions designed to support long-term growth while balancing risk and opportunity. As life unfolds, we work alongside you to stay focused and move forward with purpose.
Monitor
Financial planning isn’t a one-time event. We regularly review your strategy, track progress, and make adjustments as needed to keep you aligned with your goals. Through ongoing communication and proactive guidance, we help ensure your plan continues to support you at every stage of life.
Gail Fernandez, MBA, CFP ®
Financial Advisor
636-777-7089
Gail focuses on building comprehensive financial plans for clients. As a recent widow, she has a unique appreciation of the goals and dreams of her clients and the importance of tailoring a financial plan to each individual and family. Her primary focus is helping clients invest assets for long-term growth and evaluating the risks that can undermine an independent financial future. Areas of focus include investment planning for retirement and education, as well as other major events throughout life like weddings and vacations; life, health, disability and long-term care insurance; and fee-based advisory service.
Gail builds lasting relationships with clients and builds plans that are tailored to each client. In order to pursue the client’s goals, she believes that budgeting is a vital tool in planning for the future. Gail works with clients in all phases of life.
Gail holds several licenses including General Securities Principal, Investment Advisory Representative and Life, Health & Long-term Care Insurance. Due to relocations of both Gail and her clients, she is registered to transact business in many states in addition to Missouri.
Prior to becoming a financial advisor in 2005, she received a BS in General Studies from the University of Louisiana at Lafayette, a BS in Dietetics and a MBA from Fontbonne University. She worked in healthcare throughout the St. Louis area for 13 years in both clinical and management positions. Her life experiences provide realistic insights into her practice.
Gail is an avid cyclist, enjoys the outdoors and enjoys traveling. She is currently a member of the Rotary Club of Webster Groves and has been a Rotarian since 2005, starting in Colorado.
Credentials / License
- General Securities Principal - Series 7/24
- Investment Advisor Representative – Series 63/66
- Insurance - Life, Health, LTC & Disability
- CERTIFIED FINANCIAL PLANNER™
Compensation
Fee (hourly and asset-based) and/or Commission
Robert Powell
IT/Operations
636-777-4212
Robert.Powell@FinancialLegacy.com
Robert comes to Gail’s team after 30 years in the insurance industry, holding licenses in 17 states. He brings an abundant knowledge of insurance as a risk management tool, and long experience finding efficiencies in technology and the operational aspects of the financial industry.
After 8 years in the US Marine Corps, Robert graduated magna cum laude from East Carolina University and has worked for small state firms, multi-state regional firms, and national companies. His niche is building and mentoring teams while coordinating people of various talents towards a common goal.
Robert moved to St. Louis in November of 2021, and is an avid cyclist, a former marathoner. He enjoys building and restoring racing bicycles.
