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Embark on Your Financial Pathway: Where Trains and Dreams Intersect!

"Welcome aboard the Financial Express! Your journey to financial empowerment begins here. As your trusted conductor on this track, I'm here to guide you through the pathways of personal and business credit. Let's steer your financial future towards success, one strategic stop at a time. All aboard!"

What I Specialize In

Personal Credit Mastery

Credit Building Strategies

Credit Education Workshops

Business Formation and Foundations Strategies

Business Credit and Funding Empowerment

Our Services

Railway Tracks


Pathways To Home Ownership

"Welcome aboard the Homeownership Express! Our Pathways to Homeownership program is your dedicated route to realizing the dream of owning a home. Just as a well-planned railway system provides clear pathways, we equip you with crucial skills and knowledge. From effective budgeting techniques to invaluable tools for the home buying process, expert guidance on credit improvement, and assistance in assembling the perfect home buying team, we're here to ensure you navigate this path with confidence and achieve homeownership success."


Pathways To Financial Mastery

"Welcome aboard the Financial Express, where we chart a course for your financial success! Our Pathways to Financial Mastery program is like a well-maintained track, guiding you through the essential elements of budgeting and credit management. Just as a train needs a clear path, we provide you with the tools and strategies to steer your finances in the right direction. Let's embark on this journey together, ensuring you arrive at a destination of financial mastery and prosperity."


Pathways To Business Mastery

"Step aboard the Business Mastery Express! Our Pathways to Business Mastery program is designed to guide you through the intricate landscape of business success. Like a well-maintained railway system, we focus on four crucial tracks: business formation, establishing strong foundations, optimizing credit, and securing funding. Let us be your conductor on this journey, ensuring you navigate the pathways to business mastery with confidence and expertise."

Owner writing with business cup

A Good Financial Plan Is A Road Map That Shows Us Exactly How The Choices We Make Today Will Affect Our Future"  - Alexa Von Tobel

Your Legacy Solutions is my preferred provider for my mortgage clients who don't have the credit scores needed for ideal mortgage options. The owner, Ciara is an Army veteran, a registered nurse by trade - and is just a great person who loves helping people. She's also the most knowledgeable and effective credit repair agent I have known in my 19+ years in the mortgage world...and I've known a lot. She does it the legal and correct way too, meaning any repairs that she helps you with - typically stick. Contact Ciara for a consultation if you want to get back on the road to a better financial future.

Tom Pessemier

Ciara and I met through a mutual friend a few months ago. We have had the opportunity to meet several times to discuss her business and how she is able to help those in need. As a financial advisor, I often get calls from folks needing help with out of control credit cards and poor credit. Prior to meeting Ciara, I did not feel comfortable referring those in need to any specific company. That has since changed after learning Ciara's process and the time that she takes with each client. She is amazing and if you are in need of credit repair or debt management, please give her a call.

Mathew Remington

Highly knowledgeable and informative consultant. Made everything clear and concise. My score is going up as we speak.

Adam B White

Book Now

Let's Build Today

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Contact Us




313 W Broad Street

Richmond, Va 23219

Opening Hours

Mon - Closed

Tuesday - Fri: 9am - 6pm
​​Saturday: By Appointment
​Sunday: Closed


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