Your Money, Your Way
A transparent, personalized approach to income and legacy planning for young Boomers and older Gen Xers nearing retirement — fee-based consultants and agnostic advice.
Plan, Protect, Preserve. Create income, Make memories, leave a legacy.
The Strategy Snapshot
WHERE ARE YOU NOW?
ARE YOU...
- Starting to think about retirement, but unsure where to begin?
- Managing your investments, but unsure that your current asset allocation meets with your risk tolerance or overall “view of the world”.
- Already retired and interested in principal preservation, guaranteed income and stability for the “safer” part of your portfolio.
- Aware of how “sequence of returns” affects your long term distribution strategy, especially in today’s richly valued equity market and above average 5 year recent returns.
- Mindful of the long term impact that rising inflation and volatile interest rates have on the bond portion of your portfolio.
WE MEET YOU WHERE YOU ARE.
Explore tailored, “financial science” based strategies based on your life stage, longevity expectation and risk tolerance.
THE CONSULTANT DIFFERENCE
An unpaid second opinion is simply a sales call.
At incomes and legacies, our fee-based consultants never earn commissions or receive assets under management (AUM) fees. While the company may, in certain circumstances, receive a finder’s fee from the issuing company, your consultant personally never does. We never take control of your assets, but if you hire us, we’ll help YOU take control.
After all, it’s YOUR money!
OUR Consultant-Based FOCUS AREAS:
ETF
Education
We help you understand and use low-cost, diversified ETFs to build a smarter, more transparent investment portfolio, including sectors like gold, bitcoin, semiconductors, software, biotech, AI, new energy, etc...
Retirement Income Planning
We design personalized strategies to convert a portion of your savings into steady, sustainable income throughout retirement.
Long-Term Care Solutions
We help you prepare for healthcare needs later in life with options that protect your assets and preserve your independence.
Legacy
Design
We guide you in creating a clear, tax-efficient plan to pass on your wealth and values to those you love.
The Real Challenge
Do these sound familiar?
We're helping independent, resourceful young Boomers and older Gen Xers bridge the gap between what they have and what they need to feel secure. You don't need a pension to build a plan; you just need a partner.
mEMORIES & MONEY
wHAT wILL yOU lEAVE bEHIND?
Your legacy is more than numbers. It's confidence, clarity, and care for the people you love.
We will help you understand your options regarding:
Wills, Trusts, Powers of Attorney
Wills, Trusts, Powers of Attorney
Insurance and Long-Term Care Strategy
Proper planning can help you save money and reduce liabilities.
Income Planning for Life, and for Your Spouse
Income Planning for Life, and for Your Spouse
Wealth Transfer that Aligns With Your Values
Wealth Transfer that Aligns With Your Values
"I have known Tom for over a decade. He reached out to me after my wife passed and I appreciate his consultative and comprehensive approach. I look forward to continuing to use Tom as my financial sounding board. "
Richard H.
Leesburg, VA
"We have known Tom since before the financial crisis while he was at Navy Federal. He helped us make money thru our investments and then preserve our capital when we no longer wanted to worry about the stock market. He even came to our house and met with our son. Thanks Tom."
Jerry & Bobby M.
Haymarket, VA
"I'm a lawyer and I understand contracts. I wanted to find a bond alternative for a portion of my fixed income portfolio that was immune from interest rate volatility. Tom helped me find a suitable maturity date paired with a competitive interest rate."
Mark H
Charlotte, NC
