# Financial advisors for early-career professionals in Virginia > For early-career professionals in Virginia, talk to a fee-only planner who charges flat or hourly fees and has no asset minimum. You need decisions more than portfolio management, so a one-time plan or a low subscription is often enough. Records to start with include Robert Tull of Tull Financial Group, Inc., Walter Jessee of Impact Financial and Lamar Watson of Dream Financial Planning LLC. Page: https://find.wellspent.co/audiences/early-career-professionals/virginia/ 46 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to early in your career in Virginia? For early-career professionals in Virginia, talk to a fee-only planner who charges flat or hourly fees and has no asset minimum. You need decisions more than portfolio management, so a one-time plan or a low subscription is often enough. Records to start with include Robert Tull of Tull Financial Group, Inc., Walter Jessee of Impact Financial and Lamar Watson of Dream Financial Planning LLC. - [Robert Tull](https://find.wellspent.co/advisors/robert-tull/), Tull Financial Group, Inc., Chesapeake. Holds the CFP. Fees on file: percentage of assets, hourly. - [Walter Jessee](https://find.wellspent.co/advisors/walter-jessee/), Impact Financial, Richmond. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Lamar Watson](https://find.wellspent.co/advisors/lamar-watson/), Dream Financial Planning LLC, Reston. Holds the CFP. Fees on file: ongoing planning fee, one-time planning fee. - [Jonathan Huss](https://find.wellspent.co/advisors/jonathan-huss/), Hussmen Financial, LLC, Midlothian. Holds the CFP. Fees on file: ongoing planning fee, hourly. - [Spencer Werres](https://find.wellspent.co/advisors/spencer-werres/), OLIO Financial Planning, Mclean. Holds the CFP. Fees on file: ongoing planning fee. - [DAN Honsberger](https://find.wellspent.co/advisors/dan-honsberger/), Reel Financial Planning, Midlothian. Holds the CFP. Fees on file: subscription, one-time planning fee. ## How many fee-only financial advisors in Virginia work with early-career professionals? The Wellspent public graph lists 46 fee-only advisors for early-career professionals in Virginia, at 20 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for early-career professionals in Virginia located? Of the 46 fee-only advisors for early-career professionals in Virginia, 7 are in Gainesville, followed by 6 in Warrenton and 6 in Mclean. ## How do fee-only advisors for early-career professionals in Virginia charge? The most common fee among fee-only advisors for early-career professionals in Virginia is a percentage of assets, used by 61% of the 46 with fees on file. Many use more than one: 50% charge by the hour and 41% charge an ongoing planning fee. ## How much do fee-only financial advisors charge in Virginia? Fee-only financial advisors in Virginia charge a median of $4,992 a year for ongoing planning. We found this across the published prices of 25 Virginia firms. ## How much does a one-time financial plan cost in Virginia? A one-time financial plan from a fee-only firm in Virginia has a median price of $1,500. We found this across the published prices of 21 Virginia firms. ## What credentials should a financial advisor for early-career professionals have? For early-career professionals, look for the CFP. In Virginia, 54% of the 46 advisors listed hold the CFP. - CFP (54% of advisors listed): The CFP covers debt, saving, and insurance together. ## How do Virginia advisors for early-career professionals compare with the rest of the US? 41% of fee-only advisors for early-career professionals in Virginia charge an ongoing planning fee, compared with 23% of the 759 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## What should I ask a financial advisor early in your career in Virginia? - Do you have an asset minimum? - What would a one-time plan cost, and what would I get? - Should I pay down debt or invest first? - How much house can I actually afford? ## How current is this list of fee-only advisors for early-career professionals in Virginia? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Bill Jensen](https://find.wellspent.co/advisors/bill-jensen.md) | Acadia Financial Services LLC | Burke, Virginia | CFP, EA | Ongoing planning fee, Percentage of assets | | [DAN Honsberger](https://find.wellspent.co/advisors/dan-honsberger.md) | Reel Financial Planning | Midlothian, Virginia | CFP | Subscription, One-time planning fee, Hourly | | [Robert Tull](https://find.wellspent.co/advisors/robert-tull.md) | Tull Financial Group, Inc. | Chesapeake, Virginia | CFP, MBA | Percentage of assets, Hourly | | [Daniel Kenny](https://find.wellspent.co/advisors/daniel-kenny.md) | FI-nancial Planner LLC | Hamilton, Virginia | CFP, CPA | Ongoing planning fee, Percentage of assets, Hourly, Flat fee or retainer | | [Eric Olsen](https://find.wellspent.co/advisors/eric-olsen.md) | Olsen Family Financial, LLC | Oakton, Virginia | CFP, PhD | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee, Percentage of assets | | [Jonathan Huss](https://find.wellspent.co/advisors/jonathan-huss.md) | Hussmen Financial, LLC | Midlothian, Virginia | CFP | Ongoing planning fee, Hourly, One-time planning fee | | [Walter Jessee](https://find.wellspent.co/advisors/walter-jessee.md) | Impact Financial | Richmond, Virginia | CFP, CPA | Percentage of assets, Ongoing planning fee, One-time planning fee | | [Lamar Watson](https://find.wellspent.co/advisors/lamar-watson.md) | Dream Financial Planning LLC | Reston, Virginia | CFP | Ongoing planning fee, One-time planning fee | | [Vrishin Subramaniam](https://find.wellspent.co/advisors/vrishin-subramaniam.md) | CapitalWe | Arlington, Virginia | CFP | Flat fee or retainer, Hourly, One-time planning fee | | [Daniel Fortunato](https://find.wellspent.co/advisors/daniel-fortunato.md) | Meridian Financial Partners | Warrenton, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Sarah Irving](https://find.wellspent.co/advisors/sarah-irving.md) | Meridian Financial Partners | Warrenton, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Sarah Yakel](https://find.wellspent.co/advisors/sarah-yakel.md) | Meridian Financial Partners | Warrenton, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Amanda Ansell](https://find.wellspent.co/advisors/amanda-ansell.md) | OLIO Financial Planning | Blacksburg, Virginia | CFP | Ongoing planning fee | | [Amy Moore](https://find.wellspent.co/advisors/amy-moore.md) | OLIO Financial Planning | Blacksburg, Virginia | CFP | Ongoing planning fee | | [Andrew Miller](https://find.wellspent.co/advisors/andrew-miller-5522768.md) | OLIO Financial Planning | Mclean, Virginia | CFP | Ongoing planning fee | | [Brian Talbott](https://find.wellspent.co/advisors/brian-talbott.md) | OLIO Financial Planning | Mclean, Virginia | CFP | Ongoing planning fee | | [Eric Showalter](https://find.wellspent.co/advisors/eric-showalter.md) | Arbor Private Wealth | Ashburn, Virginia | CFP | Percentage of assets, Fixed fees | | [John Lienert](https://find.wellspent.co/advisors/john-lienert.md) | OLIO Financial Planning | Mclean, Virginia | CFP | Ongoing planning fee | | [Michael Hughes](https://find.wellspent.co/advisors/michael-hughes.md) | OLIO Financial Planning | Mclean, Virginia | CFP | Ongoing planning fee | | [Nathan Ward](https://find.wellspent.co/advisors/nathan-ward.md) | W&S Management Services | Richmond, Virginia | | Percentage of assets, Hourly, Fixed fees, Performance-based fees | | [Rebecca Lees](https://find.wellspent.co/advisors/rebecca-lees.md) | OLIO Financial Planning | Crozet, Virginia | CFP | Ongoing planning fee | | [Sarah Racek](https://find.wellspent.co/advisors/sarah-racek.md) | OLIO Financial Planning | Blacksburg, Virginia | CFP | Ongoing planning fee | | [Spencer Werres](https://find.wellspent.co/advisors/spencer-werres.md) | OLIO Financial Planning | Mclean, Virginia | CFP | Ongoing planning fee | | [Vanessa Alanis](https://find.wellspent.co/advisors/vanessa-alanis.md) | Black Dog Wealth | Manassas, Virginia | CFP, ChFC | Ongoing planning fee, Hourly, Flat fee or retainer, One-time planning fee | | [Samantha Vicchiarelli](https://find.wellspent.co/advisors/samantha-vicchiarelli.md) | Alexis Advisors | Richmond, Virginia | ChFC | Percentage of assets, Hourly | | [Taylor Turner](https://find.wellspent.co/advisors/taylor-turner.md) | Taylor Turner Wealth Management LLC | Richmond, Virginia | | Percentage of assets, Flat fee or retainer | | [Tyler Weerden](https://find.wellspent.co/advisors/tyler-weerden.md) | Layered Financial | Arlington, Virginia | | Flat fee or retainer, One-time planning fee | | [Aaron Clarke](https://find.wellspent.co/advisors/aaron-clarke.md) | Heritage Financial | Gainesville, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [David O'Neill](https://find.wellspent.co/advisors/david-o-neill.md) | Heritage Financial | Gainesville, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Kira Topeka](https://find.wellspent.co/advisors/kira-topeka.md) | Meridian Financial Partners | Warrenton, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Nathaniel Gilbert](https://find.wellspent.co/advisors/nathaniel-gilbert.md) | Meridian Financial Partners | Warrenton, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Reilly Skorupski](https://find.wellspent.co/advisors/reilly-skorupski.md) | Meridian Financial Partners | Warrenton, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Robert Lee](https://find.wellspent.co/advisors/robert-lee.md) | Genesis by Doxa | Arlington, Virginia | CFA | Percentage of assets | | [Roberta Keller](https://find.wellspent.co/advisors/roberta-keller.md) | Alexis Advisors | Richmond, Virginia | | Percentage of assets, Hourly | | [Amy Showalter](https://find.wellspent.co/advisors/amy-showalter.md) | Arbor Private Wealth | Ashburn, Virginia | | Percentage of assets, Fixed fees | | [Brae Beggs](https://find.wellspent.co/advisors/brae-beggs.md) | OLIO Financial Planning | Mclean, Virginia | | Ongoing planning fee | | [Kelly Ryan](https://find.wellspent.co/advisors/kelly-ryan.md) | OLIO Financial Planning | Blacksburg, Virginia | | Ongoing planning fee | | [Rachel Potters](https://find.wellspent.co/advisors/rachel-potters.md) | OLIO Financial Planning | Blacksburg, Virginia | | Ongoing planning fee | | [David Mucciaro](https://find.wellspent.co/advisors/david-mucciaro.md) | Genesis by Doxa | Arlington, Virginia | | Percentage of assets | | [Andrew Downey](https://find.wellspent.co/advisors/andrew-downey.md) | Heritage Financial | Gainesville, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Caitlin Borland](https://find.wellspent.co/advisors/caitlin-borland.md) | Aria Wealth Partners | Charlottesville, Virginia | | Percentage of assets | | [David Morton](https://find.wellspent.co/advisors/david-morton.md) | Heritage Financial | Gainesville, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Elizabeth Clark](https://find.wellspent.co/advisors/elizabeth-clark.md) | Heritage Financial | Gainesville, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Eric Thomas](https://find.wellspent.co/advisors/eric-thomas-8214883.md) | Heritage Financial | Gainesville, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Paula Gunter](https://find.wellspent.co/advisors/paula-gunter.md) | Aria Wealth Partners | Charlottesville, Virginia | | Percentage of assets | | [Yahia Albaghdadi](https://find.wellspent.co/advisors/yahia-albaghdadi.md) | Heritage Financial | Gainesville, Virginia | | Percentage of assets, Hourly, Fixed fees | ## Related - [Retirement planning in Virginia](https://find.wellspent.co/specialties/retirement-planning/virginia.md) - [Tax planning in Virginia](https://find.wellspent.co/specialties/tax-planning/virginia.md) - [Estate planning in Virginia](https://find.wellspent.co/specialties/estate-planning/virginia.md) - [Retirees in Virginia](https://find.wellspent.co/audiences/retirees/virginia.md) - [Pre-retirees in Virginia](https://find.wellspent.co/audiences/pre-retirees/virginia.md) - [Family wealth transfer in Virginia](https://find.wellspent.co/specialties/family-wealth-transfer/virginia.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).