Prefer to start with the Golden Goose?
Ask our *Golden Goose retirement assistant about retirement income, annuities, long‑term care concerns, and legacy questions before booking time with a human.
*The Golden Goose offers educational guidance only.
Personalized recommendations happen in a real meeting.
A Retirement Plan Should Connect the Whole Story
Too often, income planning, long-term care planning, and legacy planning are treated as separate conversations. But in real life, they are deeply connected. A retirement income decision can affect a spouse, a care need can reshape a family’s financial plan, and legacy goals often depend on choices made years earlier.
Make Memories
Create dependable income on top of Social Security so retirement feels usable, not theoretical. We help you understand income options, compare trade-offs, and decide whether an annuity or other income strategy fits your goals.
Preserve Dignity
Prepare for the years when illness, long-term care, caregiving, or loss of independence may affect your finances and family roles. The goal is not fear. The goal is protecting choices, spouses, and family stability.
Leave Money
Clarify what you want to preserve, who you want to help, and what your family should understand before pressure or crisis creates conflict. Legacy planning includes assets, but it also includes expectations, values, and communication.
Have Better Money Conversations
Financial therapy focuses on communication, understanding, and alignment. Sessions can help couples understand each other’s money stories and help older parents and adult children discuss aging, care, inheritance, and expectations before emotions are high.
Focus Areas:
- Couples' money communication
- Parent and adult-child generation discussions
- Values, expectations, and decision alignment
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!
How We Help
The decisions you make about retirement income, long-term care, family finances, and legacy planning are all connected. That's why we take a broader approach—helping you create dependable income, prepare for future care needs, preserve what matters most, and navigate important financial conversations with the people you love.
Explore the areas below to learn how we can help you make memories, preserve dignity, and leave money.
Retirement Income
Learn More→
Financial Therapy for Couples & Generations
Learn More→
We Meet You Where You Are
Explore tailored, “financial science” based strategies based on your life stage, longevity expectation and risk tolerance.
Memories and 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 ValuesReady to think like
an investor?
📈 Bullish or bearish?
📉 Overvalued or underappreciated?
Here, we don't just follow the headlines — we dissect them.
"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
