# Financial advisors for people close to retirement in Virginia > For people close to retirement in Virginia, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Elizabeth Gilmore of Gilmore Financial Planning, Ben Raikes of Mason & Associates, LLC and Linda Rogers of Planning Within Reach. Page: https://find.wellspent.co/audiences/pre-retirees/virginia/ 120 fee-only advisors listed; data last updated November 2, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to if you're close to retirement in Virginia? For people close to retirement in Virginia, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Elizabeth Gilmore of Gilmore Financial Planning, Ben Raikes of Mason & Associates, LLC and Linda Rogers of Planning Within Reach. - [Elizabeth Gilmore](https://find.wellspent.co/advisors/elizabeth-gilmore/), Gilmore Financial Planning, Herndon. Holds the CFP and EA. Fees on file: subscription, one-time planning fee. - [Ben Raikes](https://find.wellspent.co/advisors/ben-raikes/), Mason & Associates, LLC, Newport News. Holds the CFP and EA. Fees on file: ongoing planning fee. - [Linda Rogers](https://find.wellspent.co/advisors/linda-rogers/), Planning Within Reach, Virginia Beach. Holds the CFP and EA. Fees on file: percentage of assets, one-time planning fee. - [Christopher Urban](https://find.wellspent.co/advisors/christopher-urban/), Discovery Wealth Planning LLC, Vienna. Holds the CFP and RICP. Fees on file: hourly, one-time planning fee. - [Bill Jensen](https://find.wellspent.co/advisors/bill-jensen/), Acadia Financial Services LLC, Burke. Holds the CFP and EA. Fees on file: ongoing planning fee, percentage of assets. - [Brian Welch](https://find.wellspent.co/advisors/brian-welch/), Verus Financial Partners, Richmond. Holds the CFP. Fees on file: percentage of assets. ## How many fee-only financial advisors in Virginia work with people close to retirement? The Wellspent public graph lists 120 fee-only advisors for people close to retirement in Virginia, at 44 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for people close to retirement in Virginia located? Of the 120 fee-only advisors for people close to retirement in Virginia, 37 are in Richmond, followed by 12 in Falls Church and 7 in Abingdon. ## How do fee-only advisors for people close to retirement in Virginia charge? The most common fee among fee-only advisors for people close to retirement in Virginia is a percentage of assets, used by 86% of the 120 with fees on file. Many use more than one: 42% charge fixed fees and 29% 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 people close to retirement have? For people close to retirement, look for the CFP, RICP and EA. In Virginia, 58% of the 120 advisors listed hold the CFP. - CFP (58% of advisors listed): The CFP covers the whole transition. - RICP (1% of advisors listed): The RICP focuses on turning savings into income. - EA (3% of advisors listed): Enrolled agents help with the low-tax years before Social Security. ## How do Virginia advisors for people close to retirement compare with the rest of the US? 29% of fee-only advisors for people close to retirement in Virginia charge by the hour, compared with 39% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Virginia tax Social Security? No. Virginia doesn't tax Social Security. Its treatment of IRA withdrawals and pensions has its own rules, so ask to see them in your plan. ## What should I ask a financial advisor if you're close to retirement in Virginia? - Can I retire when I want to, and what would change your answer? - How should my investments change in the years before I stop working? - How do I cover health insurance before Medicare? - What should I do with my 401(k) when I leave? - How does Virginia tax each source of my retirement income? ## How current is this list of fee-only advisors for people close to retirement 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 | | [Linda Rogers](https://find.wellspent.co/advisors/linda-rogers.md) | Planning Within Reach | Virginia Beach, Virginia | CFP, EA, MSBA | Percentage of assets, One-time planning fee | | [Ben Raikes](https://find.wellspent.co/advisors/ben-raikes.md) | Mason & Associates, LLC | Newport News, Virginia | CFP, CPA, CPA/PFS, Master of Science Accounting, EA | 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 Mason](https://find.wellspent.co/advisors/john-mason.md) | Mason & Associates | Newport News, Virginia | CFP | Ongoing planning fee | | [Shawn Perkins](https://find.wellspent.co/advisors/shawn-perkins.md) | Genuine Wealth Solutions LLC | Richmond, Virginia | AWMA, CFP | Ongoing planning fee, One-time planning fee | | [Tom Massie](https://find.wellspent.co/advisors/tom-massie.md) | Massie Financial Planning | Alexandria, Virginia | CFP | Percentage of assets, Flat fee or retainer, Ongoing planning fee | | [Tommy Blackburn](https://find.wellspent.co/advisors/tommy-blackburn.md) | Mason & Associates | Newport News, Virginia | CFP, CPA, PFS | Ongoing planning fee | | [Christopher Urban](https://find.wellspent.co/advisors/christopher-urban.md) | Discovery Wealth Planning LLC | Vienna, Virginia | CFP, MBA, RICP, TPCP | Hourly, One-time planning fee | | [David Miller](https://find.wellspent.co/advisors/david-miller.md) | Rule72 Financial | Potomac Falls, Virginia | CFP, MSC | 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 | | [Trent Templer](https://find.wellspent.co/advisors/trent-templer.md) | Templer Wealth Management, LLC | Tysons Corner, Virginia | CFP | Percentage of assets | | [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 | | [Anthony Reynolds](https://find.wellspent.co/advisors/anthony-reynolds.md) | CoreTegic Capital Wealth Management | Arlington, Virginia | CFP, ChFC, MBA | Percentage of assets, Hourly, Fixed fees | | [Elizabeth Gilmore](https://find.wellspent.co/advisors/elizabeth-gilmore.md) | Gilmore Financial Planning | Herndon, Virginia | CFP, EA | Subscription, One-time planning fee | | [Joanne Burke](https://find.wellspent.co/advisors/joanne-burke.md) | Birch Street Financial Advisors LLC | Vienna, Virginia | CFP, CPA, PFS | Percentage of assets, Hourly, Fixed fees | | [Lamar Watson](https://find.wellspent.co/advisors/lamar-watson.md) | Dream Financial Planning LLC | Reston, Virginia | CFP | Ongoing planning fee, One-time planning fee | | [Deborah Klein](https://find.wellspent.co/advisors/deborah-klein.md) | Azzad Asset Management | Falls Church, Virginia | CFP | Percentage of assets | | [Fatima Iqbal](https://find.wellspent.co/advisors/fatima-iqbal.md) | Azzad Asset Management | Falls Church, Virginia | CFP | Percentage of assets | | [Ibtasam Mahmood](https://find.wellspent.co/advisors/ibtasam-mahmood.md) | Azzad Asset Management | Falls Church, Virginia | CFP | Percentage of assets | | [Reem Hussein](https://find.wellspent.co/advisors/reem-hussein.md) | Azzad Asset Management | Falls Church, Virginia | CFP | Percentage of assets | | [Samer Eshmawy](https://find.wellspent.co/advisors/samer-eshmawy.md) | Azzad Asset Management | Falls Church, Virginia | CFP | Percentage of assets | | [Melanie Brophy](https://find.wellspent.co/advisors/melanie-brophy.md) | Next Play Financial Solutions | Ashburn, Virginia | CFP | Hourly, Flat fee or retainer, One-time planning fee | | [Adam Smith](https://find.wellspent.co/advisors/adam-smith.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Andrew Casteel](https://find.wellspent.co/advisors/andrew-casteel.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Coleman Pollard](https://find.wellspent.co/advisors/coleman-pollard.md) | Steelhead Wealth Management | Glen Allen, Virginia | CFP | Percentage of assets, Fixed fees | | [Eric Scruggs](https://find.wellspent.co/advisors/eric-scruggs-6082402.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Jacob Preston](https://find.wellspent.co/advisors/jacob-preston.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Mark Fonville](https://find.wellspent.co/advisors/mark-fonville.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Matthew Brennan](https://find.wellspent.co/advisors/matthew-brennan.md) | Covenant Wealth Advisors | Reston, Virginia | CFP | Percentage of assets | | [Megan Waters](https://find.wellspent.co/advisors/megan-waters.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Rosana Nguyen](https://find.wellspent.co/advisors/rosana-nguyen.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Trey Ellington](https://find.wellspent.co/advisors/trey-ellington.md) | Steelhead Wealth Management | Glen Allen, Virginia | CFP | Percentage of assets, Fixed fees | | [Walter Hurt](https://find.wellspent.co/advisors/walter-hurt.md) | Covenant Wealth Advisors | Richmond, Virginia | CFP | Percentage of assets | | [Brian Welch](https://find.wellspent.co/advisors/brian-welch.md) | Verus Financial Partners | Richmond, Virginia | CFP | Percentage of assets | | [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 | | [David Kozlowski](https://find.wellspent.co/advisors/david-kozlowski.md) | Verus Financial Partners | Richmond, Virginia | CFP | Percentage of assets | | [Edward Hoppe](https://find.wellspent.co/advisors/edward-hoppe.md) | Verus Financial Partners | Richmond, Virginia | CFP, PFS | Percentage of assets | | [Jacob Fram](https://find.wellspent.co/advisors/jacob-fram.md) | Verus Financial Partners | Richmond, Virginia | CFP | Percentage of assets | | [James Joseph](https://find.wellspent.co/advisors/james-joseph-2714510.md) | Sentinel Wealth Management | Reston, Virginia | CFP, ChFC, PFS | Percentage of assets, 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 | | [Kristin Lindsay](https://find.wellspent.co/advisors/kristin-lindsay.md) | Verus Financial Partners | Richmond, Virginia | CFP | Percentage of assets | | [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 | | [Sloan Chittenden](https://find.wellspent.co/advisors/sloan-chittenden.md) | Verus Financial Partners | Richmond, Virginia | CFP | Percentage of assets | | [Tyler Caveness](https://find.wellspent.co/advisors/tyler-caveness.md) | Caveness Wealth Advisory | Roanoke, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Tyler Snow](https://find.wellspent.co/advisors/tyler-snow.md) | Verus Financial Partners | Richmond, Virginia | CFP | Percentage of assets | Showing the first 50 of 120. The full list, page by page: https://find.wellspent.co/audiences/pre-retirees/virginia/?page=2 ## 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) - [Family wealth transfer in Virginia](https://find.wellspent.co/specialties/family-wealth-transfer/virginia.md) - [Founders in Virginia](https://find.wellspent.co/specialties/founders-pre-exit/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).