# Financial advisors for retirees in Virginia > For retirees in Virginia, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Ben Raikes of Mason & Associates, LLC, Bill Jensen of Acadia Financial Services LLC and Dan Serra of SageVest Wealth Management. Page: https://find.wellspent.co/audiences/retirees/virginia/ 153 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 as a retiree in Virginia? For retirees in Virginia, talk to a fee-only planner who already works with people drawing down their savings. Your questions have moved from saving to spending, so look for steady withdrawals, tax-aware RMD planning, and care planning. Records to start with include Ben Raikes of Mason & Associates, LLC, Bill Jensen of Acadia Financial Services LLC and Dan Serra of SageVest Wealth Management. - [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. - [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. - [Dan Serra](https://find.wellspent.co/advisors/dan-serra/), SageVest Wealth Management, McLean. Holds the CFP and EA. Fees on file: percentage of assets. - [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. - [Christopher Urban](https://find.wellspent.co/advisors/christopher-urban/), Discovery Wealth Planning LLC, Vienna. Holds the RICP and CFP. Fees on file: hourly, one-time planning fee. - [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 retirees? The Wellspent public graph lists 153 fee-only advisors for retirees in Virginia, at 51 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for retirees in Virginia located? Of the 153 fee-only advisors for retirees in Virginia, 39 are in Richmond, followed by 11 in Falls Church and 10 in Vienna. ## How do fee-only advisors for retirees in Virginia charge? The most common fee among fee-only advisors for retirees in Virginia is a percentage of assets, used by 82% of the 153 with fees on file. Many use more than one: 44% charge fixed fees and 25% 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 retirees have? For retirees, look for the RICP, CFP and EA. In Virginia, 59% of the 153 advisors listed hold the CFP. - RICP (1% of advisors listed): The RICP focuses on income in retirement. - CFP (59% of advisors listed): The CFP covers tax, insurance, and estate decisions together. - EA (3% of advisors listed): Enrolled agents help with RMDs and Medicare surcharges. ## How do Virginia advisors for retirees compare with the rest of the US? 25% of fee-only advisors for retirees in Virginia charge by the hour, compared with 41% of the 3,334 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 as a retiree in Virginia? - How much can I spend each year, and how will you adjust it? - How do you plan around RMDs and Medicare premiums? - How would you pay for long-term care if I needed it? - What happens if I can't manage this myself, or my spouse dies first? - How does Virginia tax each source of my retirement income? ## How current is this list of fee-only advisors for retirees 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 | | [Robert Tull](https://find.wellspent.co/advisors/robert-tull.md) | Tull Financial Group, Inc. | Chesapeake, Virginia | CFP, MBA | Percentage of assets, Hourly | | [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 | | [Dan Serra](https://find.wellspent.co/advisors/dan-serra.md) | SageVest Wealth Management | McLean, Virginia | ADPA, CDFA, CFP, EA | Percentage of assets | | [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 | | [Candace Lee](https://find.wellspent.co/advisors/candace-lee.md) | Glassman Wealth | Vienna, Virginia | CFP | Percentage of assets, Fixed fees | | [Catherine Atwood](https://find.wellspent.co/advisors/catherine-atwood.md) | Founders Grove Wealth Partners | Richmond, Virginia | CFP | Percentage of assets, Fixed fees | | [Coleman Pollard](https://find.wellspent.co/advisors/coleman-pollard.md) | Steelhead Wealth Management | Glen Allen, Virginia | CFP | Percentage of assets, Fixed fees | | [Colin Gerrety](https://find.wellspent.co/advisors/colin-gerrety.md) | Glassman Wealth | Vienna, Virginia | CFP | Percentage of assets, Fixed fees | | [Dana Sippel](https://find.wellspent.co/advisors/dana-sippel.md) | Glassman Wealth | Vienna, Virginia | CFP, PFS | Percentage of assets, Fixed fees | | [Donald Gresh](https://find.wellspent.co/advisors/donald-gresh.md) | Glassman Wealth | Vienna, Virginia | CFP | Percentage of assets, Fixed fees | | [Eric Dunner](https://find.wellspent.co/advisors/eric-dunner.md) | Glassman Wealth | Vienna, 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 | | [Jeremiah Winters](https://find.wellspent.co/advisors/jeremiah-winters.md) | Founders Grove Wealth Partners | Richmond, Virginia | CFP | Percentage of assets, Fixed fees | | [Jhonny Merida Soto](https://find.wellspent.co/advisors/jhonny-merida-soto.md) | Glassman Wealth | Arlington, Virginia | CFP | Percentage of assets, Fixed fees | | [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 | | [Travis Russell](https://find.wellspent.co/advisors/travis-russell.md) | Glassman Wealth | Vienna, Virginia | CFP | Percentage of assets, Fixed fees | | [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 | | [Jonathan Lopez](https://find.wellspent.co/advisors/jonathan-lopez-1534582.md) | Caveness Wealth Advisory | Abingdon, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | Showing the first 50 of 153. The full list, page by page: https://find.wellspent.co/audiences/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) - [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) - [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).