Incomes & Legacies
In the Mirror I Trust
You've worked hard, saved diligently, and made smart decisions. But now that you're facing the complexities of retirement, legacy planning, and long-term care... who do you trust to help guide the way?
We believe the answer should be you
You control your assets, with a paid consultant to guide your journey.
Our consultants never earn a commission, a fundamental tenet for unbiased advice.
Nobody cares more about your money than you! But that doesn’t mean you don’t need a sounding board who can discuss the pros and cons of different strategies.
We offer fee-based income and legacy planning tailored to young Boomers and older Gen Xers as they navigate the shifting landscape from asset accumulation to income distribution.
Meet Thomas B. Henriques, CRPC®, CFT™
Founder & President | Fiduciary Consultant | Certified financial therapist™
Tom founded Incomes & Legacies after decades of experience on both sides of the financial industry—working at Morgan Stanley leading up to and through the dot-com bubble and subsequent crash. He also joined the largest credit union in the world, Navy Federal, and helped grow and establish the northern Virginia investment and insurance division through the 2008 financial crisis and subsequent recovery.
Two very different market cycles taught him the same lesson from opposite sides of the system: people do not just need cookie-cutter financial strategies—they need someone who understands how they think, feel, and make decisions about money.
That insight led him to the Financial Therapy Association and to becoming a Certified Financial Therapist™, part of a growing field focused on the emotional, behavioral, and relational dimensions of financial decision-making.
Through more than 10,000 one-on-one financial conversations, Tom saw a consistent pattern: conflicted advice, unnecessary complexity, and guidance that often looked more like sales than personalized, client-centered service. Beneath those surface issues was something deeper—money is not just math. It is emotional, relational, and deeply tied to identity, security, and freedom.
That realization matters most during one of the hardest transitions in financial life: moving from accumulation—building wealth—to distribution—turning savings into income, managing risk, and creating a lasting legacy.
29
Years of Experience
10K+
One-On-One Financial Consultations
1K+
Satisfied Clients
Preserve Dignity
with protection strategies that help manage health and care risks.
Leave Money
through intentional legacy planning for the people and causes you care about.
Two Principles Guide this Firm's Work:
Index your investments and individualize your insurance.
Low-cost, broadly diversified investing has an important role in long-term wealth building. But retirement income, protection, and legacy planning should be tailored to each family’s life, goals, and risks—not delivered as a one-size-fits-all solution.
“An unpaid second opinion is simply a sales call.”
In an industry where advice is often tied to compensation, free guidance is rarely neutral. More often, it is the beginning of a sales process.
At Incomes & Legacies, that philosophy is not a tagline—it is the foundation of the business. The firm does not charge assets-under-management fees, consultants are not paid commissions, and fees are fully transparent.
The Goal is Simple:
Turn financial complexity into lifelong confidence—so families can make memories today, preserve dignity tomorrow, and leave money with purpose.
Why We're Different
Most financial professionals still operate under a sales-first model, earning commissions from products they recommend or charging a percentage of assets they manage.
We take a different approach.
01
Flat-Fee Consulting
02
Not a Captive Agency
03
Independent And Agnostic Services
04
Education-First, Always
Whether you're trying to protect your retirement savings, explore annuity options, plan for long-term care, or prepare an estate strategy, you deserve guidance that's aligned with your best interests; not someone else's compensation structure.
Built for young Boomers & older GenXers, by an older GenXer
Founder & President | Fiduciary Consultant
We specialize in working with people approaching or in retirement: those born between 1955-1975 - a cohort that is fiercely independent yet sometimes overlooked.
We’ve lived through market crashes, housing bubbles, and economic uncertainty. We may be raising kids, supporting aging parents, and preparing for retirement, all at once.
At Incomes and Legacies, we speak your language. We help you build your plan, protect what you’ve earned and preserve your legacy.
Our Philosophy: Plan. Protect. Preserve.
Plan
your income so it keeps pace with inflation, covers your basic needs and lasts as long as you do.
Protect
your assets from the perils of market crashes, long term care scenarios and inflation.
Preserve
your legacy (if desired) to leave more than memories.
Let’s build a future that works for you based on your personal goals and family situation.
A Message From Our President
On Capitalism & The American Story
I believe democracy provides one of the most effective frameworks for governance, and capitalism—driven by innovation, competition, and the profit motive—has been one of the most powerful engines of human progress.
The American system has produced one of the greatest wealth-creation stories in history, and the stock market is one of its clearest expressions. Over time, ownership of high-quality, blue-chip companies has been a powerful driver of long-term wealth. Modern tools such as no-load mutual funds and ETFs have made that opportunity broadly accessible to individual investors.
The Problem: The Accumulation-to-Distribution Gap
While markets are highly effective at helping people build wealth, they provide far less guidance on how to use that wealth in retirement.
Most Americans live their financial lives around a steady paycheck. In retirement, that paycheck disappears and is replaced by a portfolio. For many, this creates uncertainty around how to turn savings into sustainable income.
As a result, retirees are often left with three core concerns:
- Running out of money over a long retirement
- The impact of prolonged market downturns
- The potential need for long-term care or assistance
Our Solution: Index Your Investments, Individualize Your Insurance
At Incomes & Legacies, we believe you should not pay unnecessary layers of cost to take market risk you already own.
Our approach is simple:
- Index your investments
Minimize costs and maintain broad, diversified market exposure using low-cost, evidence-based investment strategies. - Individualize your insurance
Navigate the more complex areas of retirement planning—such as guaranteed income, long-term care, and wealth-transfer strategies—with solutions tailored to your specific goals, risks, and family situation.
An unpaid second opinion is simply a sales call.
Most advisors or agents will happily provide a "complimentary consultation." But the financial services industry is designed around commissions or fees generated by selling products or gathering assets, so that consultation will likely result in a push toward one of those two outcomes.
For that reason, an independent fiduciary perspective matters. We serve as an agnostic sounding board, helping families understand tradeoffs clearly so they can make informed, confident decisions.
In a financial world often shaped by complexity and competing incentives, clarity becomes its own form of protection.
