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retirement planning and wealth management in virginia beach

investment management, tax-aware strategies, estate coordination, and ongoing guidance designed around the life you ENVISION to help you spend with confidence.

Planning For Retirement

Retirement requires a different kind of financial strategy—one focused on income, preservation, flexibility, and purpose. We help you clarify your direction, organize your resources, and implement a plan designed for the next chapter of your life.

Retirees

Retirement is not a finish line—it is a new stage that requires ongoing care, coordination, and thoughtful decision-making. We help you manage income, investments, taxes, and legacy planning so your wealth continues to support your life, your family, and your future.

Widows & Divorcees

Major life transitions often bring complex financial decisions. Whether you are navigating loss or divorce, we help you organize your resources, evaluate your options, and build a clear path forward with confidence and independence.

Your Envision Plan can be executed in 3 meetings either in person or Zoom. We will clarify your direction, design your strategy, implement changes, and adapt to your evolving life.   


1

1

Typical Discussion Topics at our first meeting

  • How much can I spend each year and not run out of money?
  • Should I change my investment strategy before i retire
  • When should I claim Social Security?
  • Can I lower my taxes in retirement?
  • The markets seem high now. Should I change my investment strategy?
  • Long term care is expensive. How do I insure some of the risk without paying an annual premium?
  • Can I afford to help my family while I am alive?
  • Should I update my legal documents?

2

2

Your plan Includes

  • Cash flow planning
  • Retirement income strategies
  • Monte Carlo advanced simulations
  • Investment management
  • Tax planning
  • Estate planning and document review
  • Charitable planning
  • Long-term care planning
  • Personalized website that updates daily with access to all statements, document storage, and over 50 reports
  • On demand performance reporting that is easy to read
  • E-delivery to avoid piles of mail

3

3

Implementation Examples

  • Turn on tax-efficient income and reduce taxes
  • Reduce investment risk and increase returns to maintain your standard of living.
  • consolidate accounts to reduce costs and get better reporting
  • Roth conversions to reduce future taxes
  • Update and understand estate planning documents
  • long term care insurance with no ongoing premiums and a return of your cost if not needed
  • Gift to family while alive and enjoy life more

Guidance Designed Around Your Life, Not Just Your Portfolio

Your financial life is more than investments. Retirement income, taxes, estate planning, insurance, cash flow, and family decisions all affect one another. Our role is to help connect those pieces into one clear, coordinated strategy.

We combine comprehensive planning with ongoing guidance, helping you make thoughtful decisions as your life, markets, and priorities evolve.

Your plan is not a one-time event. We monitor, refine, and adapt your strategy as life changes

Frequently Asked Questions

  • Most advisors will manage investments for a fee and do not include comprehensive planning as a core service.  We focus on the planning first- how you will create income, manage taxes, preserve flexibility, protect your family, and live with confidence through retirement or a major life transition. Your investments will be managed to support the life you ENVISION and will fit your unique plan so you can spend with confidence.

  • Once we manage $250,000 or more, the planning fee of $3,000 is waived.  
    Our fees include financial planning and investment management.

    1.15% for $250,000 to $500,000
    1.10% for $500,000 to $750,000
    1.00% for $750,000 to $1M
    .95% for $1M to 2M
    .85% for $2M to $5M
    Fees are negotiable over $5M

    Your fee is not stacked and discounts are applied to the entire balance. As an example,  If you have $1,200,000 your fee is .95% on the entire account.  This gives you a substantial discount as your assets grow.

  • The first conversation is usually focused on understanding your situation, goals, concerns, and whether our services are the right fit. It is also a chance for you to ask questions and learn more about how our planning process works.

  • The meeting schedule depends on your needs and the complexity of your plan. Many clients meet more frequently during the initial planning process and then continue with regular review meetings to monitor progress, update strategies, and address new decisions.

  • Yes. We often coordinate with CPAs, estate attorneys, and other professionals to help ensure your financial, tax, and estate planning decisions work together.

  • Our firm is independently operated, but we are supported behind the scenes by Osaic, a national wealth management platform that provides access to investment solutions, technology, compliance resources, and account support. This structure allows us to combine personalized financial guidance with the strength and resources of a larger national organization. OSAIC supports over 11,000 financial professionals and has over $700B in managed assets.

  • The financial assets in your brokerage account are held at a clearing firm, a separate and independent entity. The clearing firm is responsible for the safekeeping, servicing, segregation, and reporting of your assets. Osaic works with National Financial Services LLC (“NFS”), a Fidelity Investments® company and a member of NYSE and SIPC. NFS handles confirmation, delivery and settlement of your financial transactions. You’ll receive periodic account statements and transaction confirmations, with an option to receive those electronically.
    NFS is regulated by FINRA and the SEC, the regulatory bodies that also oversee all wealth management firms. NFS is a leading provider of global financial services to institutions, corporations, and high-net-worth individuals, and custodies over $15 trillion in global client assets as of the end of 2024.

Ready to Begin Your Envision Journey?

In  just 15 minutes you can learn how thoughtful financial planning can help you move forward with clarity and confidence.

Schedule A Call