Financial advisors for people close to retirement in Virginia
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.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Elizabeth Gilmore Gilmore Financial Planning, Herndon Holds the CFP and EA. Fees on file: subscription, one-time planning fee.
- Ben Raikes Mason & Associates, LLC, Newport News Holds the CFP and EA. Fees on file: ongoing planning fee.
- Linda Rogers Planning Within Reach, Virginia Beach Holds the CFP and EA. Fees on file: percentage of assets, one-time planning fee.
- Christopher Urban Discovery Wealth Planning LLC, Vienna Holds the CFP and RICP. Fees on file: hourly, one-time planning fee.
- Bill Jensen Acadia Financial Services LLC, Burke Holds the CFP and EA. Fees on file: ongoing planning fee, percentage of assets.
- 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.
Plus 51 in other cities.
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.
- CFP58% in Virginia
- The CFP covers the whole transition.
- RICP1% in Virginia
- The RICP focuses on turning savings into income.
- EA3% in Virginia
- 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.
Dark bars are Virginia. Light bars are all US advisors for people close to retirement.
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.
All 120 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Bill Jensen | Acadia Financial Services LLC | Burke | CFP, EA | Ongoing planning fee, Percentage of assets |
| DAN Honsberger Advice-only planning for complex situations, from taxes and insurance reviews to equity compensation and inherited IRAs, by the hour or ongoing. | Reel Financial Planning | Midlothian | CFP | Subscription, One-time planning fee |
| Linda Rogers | Planning Within Reach | Virginia Beach | CFP, EA, MSBA | Percentage of assets, One-time planning fee |
| Ben Raikes | Mason & Associates, LLC | Newport News | CFP, CPA, CPA/PFS, Master of Science Accounting | Ongoing planning fee |
| Colin Page | Oakleigh Wealth Services | Crozet | CFP | Flat fee or retainer, Ongoing planning fee |
| John Mason | Mason & Associates | Newport News | CFP | Ongoing planning fee |
| Shawn Perkins | Genuine Wealth Solutions LLC | Richmond | AWMA, CFP | Ongoing planning fee, One-time planning fee |
| Tom Massie | Massie Financial Planning | Alexandria | CFP | Percentage of assets, Flat fee or retainer |
| Tommy Blackburn | Mason & Associates | Newport News | CFP, CPA, PFS | Ongoing planning fee |
| Christopher Urban | Discovery Wealth Planning LLC | Vienna | CFP, MBA, RICP, TPCP | Hourly, One-time planning fee |
| David Miller | Rule72 Financial | Potomac Falls | CFP, MSC | Percentage of assets, Hourly |
| Omen Quelvog | Formynder Wealth Management, LLC | Fredericksburg | CFP | Flat fee or retainer, Ongoing planning fee |
| Trent Templer | Templer Wealth Management, LLC | Tysons Corner | CFP | Percentage of assets |
| Walter Jessee | Impact Financial | Richmond | CFP, CPA | Percentage of assets, Ongoing planning fee |
| Anthony Reynolds | CoreTegic Capital Wealth Management | Arlington | CFP, ChFC, MBA | Percentage of assets, Hourly |
| Elizabeth Gilmore Flat-fee guidance for self-directed investors who keep control of their accounts while working toward financial freedom and retirement. | Gilmore Financial Planning | Herndon | CFP, EA | Subscription, One-time planning fee |
| Joanne Burke | Birch Street Financial Advisors LLC | Vienna | CFP, CPA, PFS | Percentage of assets, Hourly |
| Lamar Watson | Dream Financial Planning LLC | Reston | CFP | Ongoing planning fee, One-time planning fee |
| Deborah Klein | Azzad Asset Management | Falls Church | CFP | Percentage of assets |
| Fatima Iqbal | Azzad Asset Management | Falls Church | CFP | Percentage of assets |
| Ibtasam Mahmood | Azzad Asset Management | Falls Church | CFP | Percentage of assets |
| Reem Hussein | Azzad Asset Management | Falls Church | CFP | Percentage of assets |
| Samer Eshmawy | Azzad Asset Management | Falls Church | CFP | Percentage of assets |
| Melanie Brophy | Next Play Financial Solutions | Ashburn | CFP | Hourly, Flat fee or retainer |
| Adam Smith | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Andrew Casteel | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Coleman Pollard | Steelhead Wealth Management | Glen Allen | CFP | Percentage of assets, Fixed fees |
| Eric Scruggs | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Jacob Preston | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Mark Fonville | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Matthew Brennan | Covenant Wealth Advisors | Reston | CFP | Percentage of assets |
| Megan Waters | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Rosana Nguyen | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Trey Ellington | Steelhead Wealth Management | Glen Allen | CFP | Percentage of assets, Fixed fees |
| Walter Hurt | Covenant Wealth Advisors | Richmond | CFP | Percentage of assets |
| Brian Welch | Verus Financial Partners | Richmond | CFP | Percentage of assets |
| Bryan Anderson | Caveness Wealth Advisory | Abingdon | CFP | Percentage of assets, Hourly |
| Daniel Fortunato | Meridian Financial Partners | Warrenton | CFP | Percentage of assets, Hourly |
| David Kozlowski | Verus Financial Partners | Richmond | CFP | Percentage of assets |
| Edward Hoppe | Verus Financial Partners | Richmond | CFP, PFS | Percentage of assets |
| Jacob Fram | Verus Financial Partners | Richmond | CFP | Percentage of assets |
| James Joseph | Sentinel Wealth Management | Reston | CFP, ChFC, PFS | Percentage of assets, Fixed fees |
| Jonathan Lopez | Caveness Wealth Advisory | Abingdon | CFP | Percentage of assets, Hourly |
| Kristin Lindsay | Verus Financial Partners | Richmond | CFP | Percentage of assets |
| Rebecca Blevins | Caveness Wealth Advisory | Abingdon | CFP | Percentage of assets, Hourly |
| Sarah Irving | Meridian Financial Partners | Warrenton | CFP | Percentage of assets, Hourly |
| Sarah Yakel | Meridian Financial Partners | Warrenton | CFP | Percentage of assets, Hourly |
| Sloan Chittenden | Verus Financial Partners | Richmond | CFP | Percentage of assets |
| Tyler Caveness | Caveness Wealth Advisory | Roanoke | CFP | Percentage of assets, Hourly |
| Tyler Snow | Verus Financial Partners | Richmond | CFP | Percentage of assets |
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