Strategies

A Better Way to Balance Risk & Security

You've built a life: a family, a home, a career. Now you're asking: "What's Next?"


At Incomes and Legacies, we help you create a plan that combines growth, protection, and peace of mind.


Our strategy is simple but powerful:

Index your investments. Individualize your insurance.

We help you align your money with your goals. No sales, just guidance.

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The Financial Barbell: Return On Principal + Return of Principal

Most people's portfolios lean too heavily in one direction, all growth or all caution. We believe in a barbell strategy that balances both ends.

A black and white drawing of a fist holding a barbell.
Speculative Assets
(For Growth)
  • Stocks
  • ETFs
  • Crypto
  • Real Estate
Guaranteed Accounts
(For Security)
  • Annuities
  • Insurance-Based Tools
  • Cash Reserves

This diversified approach helps you build wealth, protect it, and create income streams that last a lifetime.

Compare Your Options

Asset Class Risk Level Return Potential Liquidity Best For
ETFs / Stocks Moderate - High High High Growth & sector targeting
Bonds (Funds / ETFs) Moderate Moderate Moderate Income & portfolio ballast
Real Estate Moderate - High Moderate - High Low Tangible asset & equity growth
Annuities Low - Moderate Moderate Low Guaranteed income
Insurance (Life / LTC) Low N/A N/A Legacy & long-term care
Cash / CDs Low Very Low High Emergency fund / short-term needs

Want to know how your current investments compare?

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strategies tailored to where you are

Age 55

Start the Shift



  • Begin repositioning aggressive portfolio toward preservation
  • Explore early withdrawal opportunities (Rule 72(t), hardship exceptions)
  • Reevaluate insurance, income sources, and long-term care gaps

Age 60

Pre-Retirement Planning



  • Make catch-up contributions and review Roth vs. Traditional balances
  • Consider converting savings into guaranteed income streams
  • Evaluate annuity options with elevated rates before retirement

Age 73

Required Minimum Distributions (RMDs) & Lifestyle Planning

  • Optimize tax efficiency around RMDs and Social Security
  • Balance income needs with legacy goals
  • Reassess risk tolerance and potential long-term care costs

Questions We Help Answer

  • Do I know what I actually own, and why?
  • Is my money positioned for income, growth, or both?
  • Should I take Social Security now or wait?
  • Can I generate income without sacrificing peace of mind?
  • What happens to my spouse or heirs if something happens to me?
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Ready to Get Clear?

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