# Financial advisors for mid-life transitions in Virginia > For mid-life transitions in Virginia, talk to a fee-only planner who slows you down before a big decision. A career change, a death, or a sudden inheritance rarely needs action in the first weeks, and a good planner will say so. Records to start with include Jon Matlock of American Financial Planning, Bill Nelson of Pacesetter Planning LLC and Omen Quelvog of Formynder Wealth Management, LLC. Page: https://find.wellspent.co/audiences/mid-life-transitions/virginia/ 27 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 during a mid-life transition in Virginia? For mid-life transitions in Virginia, talk to a fee-only planner who slows you down before a big decision. A career change, a death, or a sudden inheritance rarely needs action in the first weeks, and a good planner will say so. Records to start with include Jon Matlock of American Financial Planning, Bill Nelson of Pacesetter Planning LLC and Omen Quelvog of Formynder Wealth Management, LLC. - [Jon Matlock](https://find.wellspent.co/advisors/jon-matlock/), American Financial Planning, Roanoke. Holds the CFP. Fees on file: flat fee or retainer, one-time planning fee. - [Bill Nelson](https://find.wellspent.co/advisors/bill-nelson/), Pacesetter Planning LLC, Arlington. Holds the CFP. Fees on file: ongoing planning fee. - [Omen Quelvog](https://find.wellspent.co/advisors/omen-quelvog/), Formynder Wealth Management, LLC, Fredericksburg. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Colin Page](https://find.wellspent.co/advisors/colin-page/), Oakleigh Wealth Services, Crozet. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. - [Jonathan Lopez](https://find.wellspent.co/advisors/jonathan-lopez-1534582/), Caveness Wealth Advisory, Abingdon. Holds the CFP. Fees on file: percentage of assets, hourly. - [Harold Philipsen](https://find.wellspent.co/advisors/harold-philipsen/), Tenzing Financial, Williamsburg. Holds the CFP. Fees on file: percentage of assets, fixed fees. ## How many fee-only financial advisors in Virginia work with mid-life transitions? The Wellspent public graph lists 27 fee-only advisors for mid-life transitions in Virginia, at 9 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for mid-life transitions in Virginia located? Of the 27 fee-only advisors for mid-life transitions in Virginia, 7 are in Abingdon, followed by 6 in Warrenton and 4 in Roanoke. ## How do fee-only advisors for mid-life transitions in Virginia charge? The most common fee among fee-only advisors for mid-life transitions in Virginia is a percentage of assets, used by 74% of the 27 with fees on file. Many use more than one: 67% charge fixed fees and 63% charge by the hour. ## 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 mid-life transitions have? For mid-life transitions, look for the CFP. In Virginia, 56% of the 27 advisors listed hold the CFP. - CFP (56% of advisors listed): The CFP covers the whole picture while it's changing. ## How do Virginia advisors for mid-life transitions compare with the rest of the US? 67% of fee-only advisors for mid-life transitions in Virginia charge fixed fees, compared with 43% of the 518 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 during a mid-life transition in Virginia? - What should I not do in the next six months? - How would you test whether I can afford this change? - How do you work with people going through a hard time? - What can you do for a one-time fee? ## How current is this list of fee-only advisors for mid-life transitions 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 Nelson](https://find.wellspent.co/advisors/bill-nelson.md) | Pacesetter Planning LLC | Arlington, Virginia | Certified Student Loan Professional, CFP, CFT-I | Ongoing planning fee | | [Colin Page](https://find.wellspent.co/advisors/colin-page.md) | Oakleigh Wealth Services | Crozet, Virginia | CFP | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [John W. Bowen](https://find.wellspent.co/advisors/john-w-bowen.md) | Bowen Financial Services, LLC | Midlothian, Virginia | CFP, EA, CPA | Percentage of assets, Hourly, Fixed fees | | [Omen Quelvog](https://find.wellspent.co/advisors/omen-quelvog.md) | Formynder Wealth Management, LLC | Fredericksburg, Virginia | CFP | Flat fee or retainer, Ongoing planning fee | | [Bryan Anderson](https://find.wellspent.co/advisors/bryan-anderson.md) | Caveness Wealth Advisory | Abingdon, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Daniel Fortunato](https://find.wellspent.co/advisors/daniel-fortunato.md) | Meridian Financial Partners | Warrenton, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Jonathan Lopez](https://find.wellspent.co/advisors/jonathan-lopez-1534582.md) | Caveness Wealth Advisory | Abingdon, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Rebecca Blevins](https://find.wellspent.co/advisors/rebecca-blevins.md) | Caveness Wealth Advisory | Abingdon, 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 | | [Tyler Caveness](https://find.wellspent.co/advisors/tyler-caveness.md) | Caveness Wealth Advisory | Roanoke, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Harold Philipsen](https://find.wellspent.co/advisors/harold-philipsen.md) | Tenzing Financial | Williamsburg, Virginia | CFP, ChFC | Percentage of assets, Fixed fees | | [Jon Matlock](https://find.wellspent.co/advisors/jon-matlock.md) | American Financial Planning | Roanoke, Virginia | CFP | Flat fee or retainer, One-time planning fee | | [Maynard Keller](https://find.wellspent.co/advisors/maynard-keller.md) | American Financial Planning | Roanoke, Virginia | CFP | Flat fee or retainer, One-time planning fee | | [Robert Kohn](https://find.wellspent.co/advisors/robert-kohn.md) | Tenzing Financial | Williamsburg, Virginia | CFP | Percentage of assets, Fixed fees | | [Samantha Vicchiarelli](https://find.wellspent.co/advisors/samantha-vicchiarelli.md) | Alexis Advisors | Richmond, Virginia | ChFC | Percentage of assets, Hourly | | [Daniel Thornton](https://find.wellspent.co/advisors/daniel-thornton.md) | Caveness Wealth Advisory | Abingdon, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Edward Zywien](https://find.wellspent.co/advisors/edward-zywien.md) | Caveness Wealth Advisory | Abingdon, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Jonathan Weatherly](https://find.wellspent.co/advisors/jonathan-weatherly.md) | Caveness Wealth Advisory | Abingdon, Virginia | | Percentage of assets, Hourly, Fixed fees | | [Justin Lopez](https://find.wellspent.co/advisors/justin-lopez.md) | Caveness Wealth Advisory | Abingdon, Virginia | | 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 | | [Roberta Keller](https://find.wellspent.co/advisors/roberta-keller.md) | Alexis Advisors | Richmond, Virginia | | Percentage of assets, Hourly | | [Jacob Mardian](https://find.wellspent.co/advisors/jacob-mardian.md) | American Financial Planning | Roanoke, Virginia | | Flat fee or retainer, One-time planning fee | | [Mark Castonguay](https://find.wellspent.co/advisors/mark-castonguay.md) | American Financial Planning | Yorktown, Virginia | | Flat fee or retainer, One-time planning fee | | [Tracy Shackelford](https://find.wellspent.co/advisors/tracy-shackelford.md) | Tenzing Financial | Williamsburg, Virginia | | Percentage of assets, 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).