By: Teresa Loos-Tedrow | Co-Founder | Next Legacy Group December 5, 2025 Regularly, I sit down with someone who’s spent their whole financial life being told, “Your investments belong in the stock market and bonds. That’s just what people do.” When I offer information to contradict that theory, most reply, “I didn’t know I could invest in anything other than the stock and bond market.” Not only are they uninformed, but they are leaving real wealth-building options on the table. Because nobody ever taught them the real menu of options available to accredited investors. That’s why we built Next Legacy Group. To give people real alternatives. Real clarity. And a real path to generational wealth outside the volatility of Wall Street. Four Operators. Complementary Strengths. One Unified Mission. Next Legacy Group is built on a team whose backgrounds don’t overlap—they stack. Tim Gramling —40+ years engineering & infrastructure leadership; 2,200+ units Teresa Loos-Tedrow —25-year entrepreneur/operator; 1,000+ units Laura DeVaney - LP in 1,300+ units; decades of leadership and customer care Jason Ottilo —GP in 1,000+ units and RV park owner; detail-oriented operator and seasoned manager Different paths, one aligned mission: Buy right. Operate right. Protect the downside first. Our Three Uniques—What Sets Next Legacy Group Apart 1. Three Risk/Return Options Under One Platform Most people think investing means choosing between stocks and bonds. We offer three distinct risk categories so investors can build a portfolio aligned with their goals: • Low Risk—Debt (collateral-backed lending) • Medium Risk—Commercial Real Estate (multifamily, CRE, cash-flowing assets) • High Risk—Vetted Speculative Strategies Crypto, forex, and futures opportunities through trusted strategic partners like LegacyBlock. This gives investors true optionality—something most platforms can’t offer. 2. Integrated Decision-Making: One Team, Multiple Lenses Our team brings engineering precision, operational excellence, healthcare decision-making, entrepreneurial speed and real estate ownership experience under one roof. That creates a competitive edge: • Faster, clearer deal evaluation • More angles considered before committing • Fewer blind spots • Sharper risk identification • Stronger execution plans In short, Four perspectives. One aligned decision. Better outcomes. 3. Obsessive Underwriting & Due Diligence Next Legacy Group believes the best investments are made before you ever take ownership. Our discipline includes: • Conservative underwriting • Rigorous stress testing • Tight expense modeling • Full capex evaluation • Market/submarket risk scoring • Clear kill triggers We’re not trying to optimize at exit, we’re securing investor outcomes at purchase. Most investors think they only have two investment options: stocks and bonds. That’s simply not true. The wealthy have always used alternatives, commercial real estate and structured risk strategies to build lasting wealth. Our mission at Next Legacy Group is to make those strategies accessible, understandable and aligned with real people’s goals. If you’d like to explore how these options fit into your broader portfolio, I’d love to talk. — Teresa Loos-Tedrow

By: Laura DeVaney | Co-Founder | Next Legacy Group November 27, 2025 This week is special for me on many levels. It’s Thanksgiving week… It’s my birthday week… And it’s a season where gratitude feels deeper, richer and more meaningful than ever before. As I look back on this year—the challenges, the breakthroughs, the quiet moments, the unexpected blessings—one theme keeps rising above all the rest: Gratitude is the currency that multiplies everything it touches. I’ve realized that gratitude is more than a feeling; it’s a discipline, a leadership mindset, and a lens that shapes how we move through the world. It shifts our perspective, strengthens relationships, accelerates healing and aligns us with the opportunities meant for us. And this year, I am especially grateful for three things: 1. Grateful for the Journey—Not Just the Destination The last twelve months have been transformative. Building Next Legacy, growing as a leader and stepping deeper into stewardship have stretched me in ways I didn’t expect. There were days of clarity and confidence and days when I found myself questioning the path in front of me. But every lesson helped me grow. Every challenge expanded my resilience. Every opportunity deepened my sense of purpose. And as our team walks properties, partners with operators and serves our investors with integrity, it has reminded me: Legacy is built one intentional step at a time. 2. Grateful for the People Walking Beside Me This year has reminded me that community is a gift. I am profoundly grateful for: Family . My foundation, my steady place of strength and the support that grounds every step of this journey. Our Next Legacy Team . Who consistently show up with excellence, humility and heart as we build with intention. Our Partners and Operators. Whose trust and collaboration allow us to carry out our mission with integrity. Our investors. Who share our vision and entrust us to steward their capital with care and accountability. Our Mentors . Past, present and future, whose wisdom continues to shape our growth and our path forward. No one builds anything meaningful alone. I feel surrounded, supported and strengthened, and that is a blessing I will never take for granted. 3. Grateful for the Calling to Steward Something Bigger Than Myself At this stage of life, purpose means more than productivity. Impact means more than income. Stewardship means more than success. Each property we walk… Each partnership we evaluate… Each investment we bring forward… …is about helping families grow wealth, helping communities thrive and helping future generations stand on stronger foundations. If there’s one thing I want to leave you with this Thanksgiving week, it’s this: Gratitude transforms our blessings into abundance—and who we are into who we were created to become. Thank you for being part of this journey. Thank you for reading, supporting, praying, investing and believing. My heart is full. My plate is full. My life is rich in the ways that matter most. Here’s to another year of growth, purpose and legacy!

By: Jason Ottilo | Co-Founder | Next Legacy Group November 21, 2025 Why Smart Investors Are Moving Beyond DIY Portfolios and Choosing Alternative Funds That Work for Them Most accredited investors eventually hit a turning point. You get tired of the stock market’s mood swings. You want more predictable income, real diversification and a long-term plan that doesn’t depend on whatever headline hits the news cycle each morning. You realize you need something beyond the traditional 60/40 portfolio but then the next question hits hard: if not that, then what? That’s when alternative investments enter the picture. Real estate, private debt and even responsibly allocated crypto aren’t just buzzwords anymore; they’re legitimate ways to build wealth with less correlation to the market and more control over outcomes. But here’s the catch: for individuals trying to do this on their own, these asset classes quickly turn into a second job. Anyone who has tried to buy investment real estate without experience knows the drill—brokers who don’t take you seriously, underwriting spreadsheets that feel like they’re written in ancient Greek, property tours squeezed into weekends, talking to lenders who expect you to know every acronym under the sun and trying to figure out if a neighborhood is “up and coming” or “about to fall off a cliff.” And that’s before you actually own the asset. Once you do, it’s a nonstop cycle of repairs, management decisions, expense surprises, refinancing options and regulatory changes. Operating real estate is not passive—it’s operational work that requires skill, patience, and a strong stomach. Private debt, often seen as a cleaner, more predictable income play, seems simpler but only on the surface. To do it safely, you need to vet borrowers, analyze collateral, structure terms correctly, manage collections, and diversify across enough notes to mitigate risk. A single bad borrower or poorly structured loan can wipe out months of gains. Again, it’s not passive; it’s underwriting, portfolio management, risk assessment and legal oversight. Then comes crypto, which many investors want exposure to because the potential upside is undeniable. But crypto done wrong is gambling. Crypto done right requires real thinking: custody decisions, security protocols, staking or not staking, understanding halving cycles, evaluating risk budgets, tracking regulatory changes, and resisting emotional trading. It’s not something you casually “check on every few months.” It requires discipline, methodology, and firm guardrails. Add all of these together—real estate, private debt, and crypto—and you’re essentially running a small alternative asset management company for your own portfolio. Most individuals don’t have the time for that, let alone the expertise. They want the returns, not the responsibility. This is where Next Legacy Group intentionally steps in. The fund is designed for investors who want all the benefits of alternatives without sacrificing their time, their bandwidth or their peace of mind. Instead of forcing investors to pick one lane, we build a diversified portfolio across multiple alternative engines: income-producing real estate, high-yield private debt and controlled exposure to crypto through vetted mechanisms. You get the growth potential, the stability and the tax efficiency—without taking on operational complexity. Our team handles everything: sourcing good operators, stress-testing deals under multiple economic scenarios, verifying markets, conducting background checks, reviewing collateral structures, negotiating loan terms, securing institutional-level crypto custody and creating diversified exposure across each asset class. You’re not left guessing. You’re not left hoping. You’re not left wondering if you’re missing something. Instead, you receive the benefit of full-time professional execution aligned directly with your interests, because our own capital sits right next to yours. What investors appreciate most is how much they no longer have to do. They’re not hunting for deals or loans, they’re not worrying about whether a property is worth the price, they’re not up late researching crypto cycles, and they’re not spending weekends being a landlord. They gain access to opportunities they wouldn’t see on their own—because the best deals don’t show up on LoopNet, Zillow or Coinbase. They’re accessed through operator relationships, fund partnerships, and industry networks built over years of execution. And the timing matters. Right now, the market is full of distressed sellers, interest rates are finally trending downward, private debt yields are historically attractive and crypto is at a point where institutional adoption is accelerating. These are the moments where disciplined, prepared investors gain the most. But individuals who try to navigate all of this alone often move too slowly, lack information, or simply feel overwhelmed. Choosing a professionally managed alternative fund isn’t about giving up control. It’s about removing unnecessary friction and letting a team with experience, systems and infrastructure drive the execution so your capital can work while you focus on your career, your family or simply enjoying the freedom you’ve earned. You get the passive income, the long-term growth, the diversification and the tax efficiency without becoming a full-time operator, loan officer or crypto analyst. For most investors, that’s the real goal: wealth that grows without consuming your life. That’s what Next Legacy Fund One is designed to deliver. If you’re ready to explore how alternative investments can work for you without taking on another job. Join our Friday Night Lights Webinar. Free and open to all, live on Zoom. Register once, join weekly to get more information and access upcoming opportunities.

By: Teresa Loos-Tedrow Co-Founder | Next Legacy Group October 11th, 2025 What a powerful week for Next Legacy Group. From the Investor Retreat in Dallas, Texas to the Bring Your Deal event in Miami, Florida, our team spent the week surrounded by some of the most innovative and driven minds in the real estate investing community. These events reminded us why we do what we do—to learn, to grow, and to bring those insights back to our investors and partners. In Dallas, we joined industry leaders across multifamily, private lending, and alternative investment sectors to explore what’s next in capital deployment and market strategy. The conversations were deep, honest, and future-focused—the kind of exchanges that make us stronger sponsors and better stewards of investor capital. In Miami, at the Bring Your Deal session, we had the opportunity to share one of our upcoming multifamily projects—a deal that reflects our value-add, cash-flow-first strategy and our focus on durable growth. We were honored when the room selected our project as the “Deal of the Event.” It was validation not only of the opportunity itself but of the disciplined, transparent approach that defines how Next Legacy operates. The people we met were nothing short of extraordinary—fund managers, operators, lenders, and investors who share a commitment to building legacies, not just portfolios. We left inspired and grateful to be part of a community that values education, execution, and integrity as much as returns. At Next Legacy Group, we believe that every experience—every connection—sharpens our ability to deliver for our investors. What we learned this week will directly translate into how we underwrite smarter, manage more efficiently, and communicate more clearly with those who trust us to be their partners in wealth-building. Stay tuned—more details on our featured deal are coming soon.

By: Tim Gramling Co-Founder | Next Legacy Group October 24th, 2025 Real estate investing is often measured in cash flow, equity multiples, and cap rates—but the true measure of success extends far beyond the balance sheet. The most meaningful investments are those that endure, creating impact long after the final distribution is made. That’s the essence of building a legacy that outlives the investment. A legacy begins with intention . Every property acquisition, renovation, or repositioning project should align with a broader vision: improving communities, providing safe and quality housing, and fostering environments where people can thrive. When investors think beyond returns and design projects with longevity in mind, they create value that compounds—not just financially, but socially and generationally. The second layer of legacy is discipline . Markets shift, interest rates rise and fall, and opportunities come and go, but disciplined operators stay grounded in fundamentals. They underwrite conservatively, maintain healthy reserves, and make decisions guided by purpose rather than emotion. That discipline ensures stability—and stability is what allows investments to survive cycles and stand the test of time. Next comes education and stewardship . True legacy builders mentor others—investors, partners, and even tenants—to think long-term. They share the lessons learned from both success and failure, ensuring the next generation is better equipped to carry the torch forward. In this way, the legacy is not a static monument but a living system of knowledge and accountability. Finally, legacy is about alignment . At Next Legacy Group, we believe that transparency, shared vision, and operational excellence turn ordinary investments into lasting achievements. Every deal we pursue aims to leave a footprint of integrity—properties that perform, partnerships that prosper, and communities that benefit. The numbers will fade, markets will change, but what endures is the value we create, the people we uplift, and the example we set. That’s the kind of legacy that doesn’t just outlive the investment—it defines it.

By: Jason Ottilo Co-Founder | Next Legacy Group October 24, 2025 From Volatility to Vision: Why I Left the Stock Market for Real Assets When the world shut down in 2020, my wife and I—like most people—had time to think. We were both working, raising a family, and watching our savings bounce like a yo-yo on the stock market. One week, we felt rich. Next, our retirement accounts had dropped by twenty percent. It hit me: everything I owned was tied to one system—the stock market. My 401(k), my mutual funds, and even the “safe” index investments all moved together. No hedge, no diversification, and no control. I wasn’t managing my money. I was watching it. The Wake-Up Call That realization pushed me to look for something different—something real. Around that time, I picked up Rich Dad Poor Dad by Robert Kiyosaki. I didn’t expect much; I figured it would be another self-help book. But it flipped my perspective completely. For the first time, I understood the difference between working for money and having money work for me. Real assets—like real estate—weren’t just about cash flow. They were about control, leverage, and ownership. My wife, who’s a real estate agent, was already ahead of me. She’d been talking about owning rental properties for years. So we started scouting single-family homes, hoping to buy one, rent it out, and start small. What I found was discouraging. Between the down payment, renovation costs, and ongoing maintenance, it was a big outlay of cash for a modest return. If a tenant left or paid late, the income vanished. I was still exposed to risk—just a different kind of it.   I started asking myself: if real estate was supposed to be the path to freedom, why did it feel so fragile?   Scaling the Vision Then I came across Grant Cardone. Let’s face it—he’s an ass sometimes, but a genius other times. Still, he made one point that stuck: “Go bigger, not smaller.” Multifamily real estate, he explained, isn’t just safer because it’s bigger—it’s safer because it’s diversified. One vacancy in a 200-unit property barely moves the needle. But one vacancy in a single-family home can wipe out your profit for months.   That idea changed everything.   Instead of trying to collect houses one by one, I started studying larger assets—apartment communities, RV parks, and storage facilities. The math made sense, and the risk profile felt more balanced.   So I leaped. My first big investment was an RV park. It wasn’t perfect, but it worked. The cash flow was steady, and I could see the business from every angle: operations, management, financing, and growth.   From that first deal, everything accelerated. I started meeting people who thought like I did—operators, investors, and partners who believed in building wealth through real assets. We collaborated on projects, shared resources, and grew together.   Just three years later, I’m now an investor in and general partner of over 1,000 multifamily units, plus storage facilities and the RV park that started it all.         Beyond Buildings: Diversifying Into Alternative Assets   As I learned and grew in this space, I realized that diversification within alternative investments is just as important as diversification away from Wall Street.   Real estate was my gateway, but it wasn’t the only lane. There’s a wide spectrum of alternative options that can offer yield, stability, or asymmetric upside—if approached with discipline:   Multifamily and workforce housing for durable, inflation-hedged cash flow. Storage and RV parks for steady, recession-resistant demand. Private debt offerings for fixed income backed by real collateral. Build-to-rent, land development, or note funds for structured growth. Other private credit or equity opportunities that compound returns outside public markets.     Some of these investments produce ongoing income; others build long-term equity. Together, they create balance—a portfolio that can weather cycles instead of reacting to them.         Why Alternatives Make Sense Now?     The volatility of the past few years has made one thing clear: traditional markets don’t give investors true diversification anymore.   When the stock market drops, everything tied to it tends to drop too—401(k)s, mutual funds, ETFs. Bonds used to act as a counterweight, but rising interest rates have eroded that safety net.   Alternative investments offer something different:   Tangible value—You can see the asset, improve it, and directly affect performance. Predictable income—Cash flow comes from rents or interest payments, not market sentiment. Lower volatility—Private assets aren’t priced minute-to-minute by algorithms or headlines. Tax efficiency—Depreciation and other incentives help keep more of what you earn.     Yes, alternatives come with their own learning curve. They’re less liquid, require diligence, and often depend on strong operators. But they allow investors to take back control—to earn, protect, and compound wealth on their own terms.         The Birth of Next Legacy Group     After building my own portfolio, I started seeing a bigger opportunity. Many investors I met wanted to diversify into alternatives—but they didn’t know where to start. They wanted to invest alongside professionals, with transparency, flexibility, and a clear strategy.   That’s what led to Next Legacy Group and our partnership with Avestor. Through the Next Legacy Fund One, we’re giving investors access to a diversified mix of multifamily, storage, RV parks, private debt, and other alternative assets—all within one flexible fund structure.   Avestor’s customizable fund model allows investors to choose which deals to participate in, how much to allocate, and when. It combines the flexibility of direct investing with the professional structure of a fund.   Our focus is simple:   Cash-flowing assets across multiple sectors and geographies. Debt and equity opportunities that balance growth with stability. Conservative underwriting that keeps downside contained. Investor alignment through transparent reporting and co-investm ent.     We’re not chasing trends—we’re building durability. Long-term wealth that compounds through discipline and shared opportunity.       From Fear to Freedom     Looking back, the biggest shift wasn’t just financial—it was mental. I went from watching markets I couldn’t control to owning assets I could understand.   The stock market will always have its place. But for me, the goal isn’t speculation—it’s stability. I’d rather own something that produces income whether the market’s up or down than sit in the passenger seat of Wall Street’s roller coaster.   My mission now is to help others make that same shift—to move from volatility to vision. To stop outsourcing their future to systems built for someone else’s benefit.   At Next Legacy, we’re building more than portfolios. We’re building legacy—the kind that outlasts the next market cycle.

By: Laura Devaney | Co-Founder | Next Legacy Group November 31th, 2025 The Hidden Driver: Falling Discount Rates When capital is cheap, future income looks more valuable today. That’s why investors now pay record prices for the same buildings, businesses, and commodities that once traded at half the multiple. Cheap money, low discount rates and abundant liquidity have permanently redefined how we price value . From Cash to Value Capital is flowing toward anything that’s scarce , productive or tangible: Income-producing real estate Essential infrastructure Scarcity assets like data centers, land, and gold Cash is no longer the scarce resource, productive assets are.   The End of Cyclical Thinking Investors once assumed markets reverted to the mean expansion, contraction and recovery. Today, many price assets as if growth will continue forever. At Next Legacy Group, we recognize both forces: Hope for compounding—reversion plan. The Next Legacy Approach We invest across the spectrum of growth assumptions—balancing risk and reward through disciplined underwriting and forward-looking strategy. Strategy Focus Our Approach Cyclical Reversion Conservative returns, higher exit cap rates Model downside protection Secular Trends Long-term structural tailwinds High-Growth, Undervalued Markets, outdoor hospitality, affordable housing Perpetual Growth High-conviction, creative financing Grounded in NOI and operations, not hype Our goal: protect investor capital while positioning for expansion when market cycles favor growth. In a world where liquidity is limitless and real assets are finite, true wealth comes from owning what the world can’t print.

By Teresa Loos-Tedrow | Co-Founder | Next Legacy Group November 7th, 2025 Sometimes, the best deals are the ones you don’t do. That’s a tough truth in real estate, especially when you’ve put in the work. You’ve underwritten the numbers, built the relationships and can practically see the potential. But deep down, something doesn’t line up. Maybe the debt terms shifted, the market softened, or the business plan just feels forced. I’ve learned that walking away doesn’t mean you’ve failed—it means you’re leading. It reminds me of my daughter playing college volleyball. She was never the biggest hitter or the flashiest player. But she was steady—the one who kept the energy up, communicated on the court and made sure the team stayed grounded. She hustled, led by example and earned her place on the floor because she did the little things right every time. That’s how I see my role and our approach at Next Legacy Group. We’re not chasing headlines or the next “flashy” deal. We’re focused on building a portfolio that performs deal by deal and detail by detail. When a property doesn’t fit, we step back. We preserve capital, protect our investors and position ourselves for the right opportunities. Because in the long game, leadership isn’t about always being in the spotlight. It’s about showing up, staying steady and making the smart plays—even when that means saying no. Stay humble. Hustle hard! That’s how you win in volleyball and in multifamily investing!

By: Tim Gramling | Co-Founder | Next Legacy Group November 14, 2025 1. Built on Real-World Experience Next Legacy Group isn’t another investment firm run by spreadsheets alone. Our leadership team blends decades of real-world expertise, from business ownership and finance to healthcare operations and civil engineering. Together, we bring a multidisciplinary perspective to every acquisition, ensuring our decisions reflect both financial intelligence and operational practicality. We apply that same real-world insight to how we design our capital, offering investors a balanced mix of short-term opportunities, medium-term growth, and long-term wealth-building investments. It’s how we manage both momentum and stability, so capital compounds intelligently across cycles. Beyond Transactions—Toward True Partnerships We believe the best investments start with alignment, not sales pitches. Every relationship, whether with investors, brokers, or operators, is built on transparency, trust, and shared goals. Our partners know exactly how and where their capital is working, because they’re part of the process, not just a line item in it. By structuring our investment approach across multiple time horizons, we give our partners choice—and clarity. Whether they seek consistent near-term cash flow, mid-range growth, or long-term appreciation, we build strategies that fit their objectives and risk profile. Disciplined, Not Distracted In an industry often chasing the next “hot” market, we focus on fundamentals that stand the test of time: stable cash flow, value-add potential, and risk-aware growth. We’re selective and strategic, prioritizing quality over quantity and making decisions backed by data, diligence, and experience. This discipline extends to our investment pacing, balancing short-term liquidity with long-term resilience. It’s how we ensure every dollar of investor capital is positioned to perform, no matter the market cycle. Investing With Purpose Legacy, to us, means more than financial return. It’s about creating sustainable value for investors, residents, and communities. Each acquisition, whether multifamily, self-storage, or other asset classes, is an opportunity to enhance quality of life, improve operations, and leave something lasting for those who come after us. By diversifying across time horizons as well as asset types, we build portfolios that generate impact today while strengthening value for decades to come. Unified Vision, Diverse Strength Our team’s diversity is our advantage. The business leader brings entrepreneurial insight, the finance specialist ensures strong modeling and capital management, the healthcare expert provides people-first operational perspective, and the engineer delivers precision and project discipline. Together, we see opportunities from every angle and execute with clarity and confidence. That unity of skill allows us to manage a truly dynamic investment platform, where short-term execution, mid-term optimization, and long-term stewardship all move in sync toward one vision: building what lasts. At Next Legacy Group, we’re not just acquiring assets; we’re building a legacy that lasts, designed to endure through every market cycle. Building What’s Next. Together.