Our Story

Built by People Who Lived
What Was Broken

Legato was founded by benefits professionals who spent years watching the same system fail the same people — and finally decided to replace it.

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72%
of employees feel financially stressed — even when their employer is spending more than ever on benefits.
$0
of the average employer's benefits increase reaches the employee as actual financial security.
Why We Exist

The Old Model Was Designed for the Carrier, Not the Employee

The benefits industry hasn't changed in decades. Employers spend more each year and employees feel less supported each year. That's not a coincidence — it's a structural problem.

The traditional broker model is built on carrier relationships, not employee outcomes. Plans are selected based on what's easiest to sell, not what actually fits each household. The result is a workforce that's covered on paper but financially fragile in real life.

Legato was built to solve this at the root. Not to tweak the old model — to replace it with one that starts from a different premise: every employee deserves benefits that actually work for their life.

Founded by Benefits Professionals
Our founders spent years inside the traditional system. They didn't theorize about what was broken — they saw it every day.
A Replacement, Not a Tweak
Legato isn't a better version of the old model. It's a new formula — built around household-level personalization and fiduciary alignment.
Built for the Employee First
When employees win — with real financial security — employers win too. Lower turnover, higher productivity, and a workforce that knows you had their back.
What Drives Us

The Principles Behind Every Decision We Make

Fiduciary First
Every recommendation Legato makes is governed by a fiduciary standard. We work for employees — not the carrier, not the plan, not the commission schedule.
Personalization at Scale
A 24-year-old and a 52-year-old have nothing in common financially. Our system doesn't pretend otherwise. Every employee gets a plan shaped around their actual household.
Predictability for Employers
Defined contribution means defined cost. Employers set the number and Legato builds the system around it — no more renewal surprises.
Radical Transparency
No hidden fees. No carrier kickbacks. No conflicts of interest buried in fine print. Employees and employers both deserve to know exactly how the system works.
Speed and Simplicity
Getting the right benefits shouldn't require a PhD. Legato's AI guides employees through decisions quickly and confidently — in plain language, at every step.
Local Relationships
Legato operates through a trusted network of local partners who know their markets. National system, human touch — every time.