Estate Planning - memories and money and wishes - what else can we leave behind

Thomas Henriques • July 10, 2025

Do I just need a will?  a trust?  power of attorney? health care proxy act?  Should I put my kid on my bank account?  are my beneficiaries up to date? 

Financial legalities by a financial advisor in Virginia

Do you have a Will? A Trust? Have you changed the beneficiary designation on your retirement accounts after a divorce, death or birth? Do you have a power of attorney or health care proxy act? Approximately 2 out of 3 Americans have done NO estate planning. At Incomes and Legacies, we can direct you to reliable sources after talking through what you want to happen after you pass. Is a legacy important to you or do you prefer your heirs to "get whatever is leftover?" Our consultants can go through different scenarios so you will have the knowledge to make an informed decision and take action - before it's too late. Proper estate planning isn't for you - it's for those you leave behind. 


https://www.justvanilla.com/blog/estate-planning


file:///C:/Users/Thomas%20Henriques/Downloads/five-wishes-sample.pdf


https://trustandwill.com/



Purchasing Power of the Dollar

By Thomas Henriques • September 23, 2025
If there is one consistent theme in the history of paper (or fiat) currency has been the devaluation of it. And it is relentless:

Wall Street’s 2025 Tug of War: Are Stocks in Bubble Territory or Justified by Innovation?

By Thomas Henriques • September 23, 2025
As the S&P 500 continues to scale new highs—up 14% year-to-date and driven mainly by tech and AI darlings—the age-old bull vs. bear debate is reaching fever pitch. Investors and analysts are increasingly referencing historic valuation yardsticks and comparing today’s environment to both the dot-com bubble of 2000 and classic market excesses. Let’s examine the arguments from each camp, using well-cited market valuation data.
Glasses on a laptop with a colorful stock market graph displayed on the screen.

How a 5% MYGA Can Grow Your Retirement Savings Over 10 Years

July 14, 2025
Discover how a Multi-Year Guaranteed Annuity (MYGA) earning 5% annually can turn $100,000 into $162,890 in 10 years , with guaranteed growth and no market risk.