# Financial advisors for small business owners in Virginia > For small business owners in Virginia, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Linda Rogers of Planning Within Reach, Walter Jessee of Impact Financial and Kyle Packard of Packard Wealth Strategies. Page: https://find.wellspent.co/specialties/small-business-owners/virginia/ 84 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 small business owner in Virginia? For small business owners in Virginia, talk to a fee-only planner who treats the business and the household as one balance sheet. Look for someone who can speak to entity choice, owner pay, and retirement plans for the company, not only your personal accounts. Records to start with include Linda Rogers of Planning Within Reach, Walter Jessee of Impact Financial and Kyle Packard of Packard Wealth Strategies. - [Linda Rogers](https://find.wellspent.co/advisors/linda-rogers/), Planning Within Reach, Virginia Beach. Holds the EA and CFP. Fees on file: percentage of assets, one-time planning fee. - [Walter Jessee](https://find.wellspent.co/advisors/walter-jessee/), Impact Financial, Richmond. Holds the CPA and CFP. Fees on file: percentage of assets, ongoing planning fee. - [Kyle Packard](https://find.wellspent.co/advisors/kyle-packard/), Packard Wealth Strategies, Alexandria. Holds the CFP. Fees on file: percentage of assets, flat fee or retainer. - [Ibtasam Mahmood](https://find.wellspent.co/advisors/ibtasam-mahmood/), Azzad Asset Management, Falls Church. Holds the CFP. Fees on file: percentage of assets. - [DAN Honsberger](https://find.wellspent.co/advisors/dan-honsberger/), Reel Financial Planning, Midlothian. Holds the CFP. Fees on file: subscription, one-time planning fee. - [Hui-chin Chen](https://find.wellspent.co/advisors/hui-chin-chen/), Jade & Cowry, Arlington. Holds the CFP. Fees on file: flat fee or retainer, ongoing planning fee. ## How many fee-only financial advisors in Virginia work with small business owners? The Wellspent public graph lists 84 fee-only advisors for small business owners in Virginia, at 36 firms. We counted every advisor record that lists this work, as of November 2026. ## Where are fee-only advisors for small business owners in Virginia located? Of the 84 fee-only advisors for small business owners in Virginia, 11 are in Falls Church, followed by 9 in Tyson and 8 in Richmond. ## How do fee-only advisors for small business owners in Virginia charge? The most common fee among fee-only advisors for small business owners in Virginia is a percentage of assets, used by 94% of the 84 with fees on file. Many use more than one: 56% charge by the hour and 51% charge fixed fees. ## 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 small business owners have? For small business owners, look for the CPA, EA and CFP. In Virginia, 50% of the 84 advisors listed hold the CFP. - CPA (1% of advisors listed): CPAs understand entity structure and business books. - EA (1% of advisors listed): Enrolled agents help with owner pay and business tax. - CFP (50% of advisors listed): The CFP keeps the business in the wider plan. ## How do Virginia advisors for small business owners compare with the rest of the US? 56% of fee-only advisors for small business owners in Virginia charge by the hour, compared with 48% of the 2,851 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Virginia tax income on top of federal tax? Yes. Virginia has a state income tax, so a financial plan for a Virginia resident should project it alongside federal tax. ## What should I ask a financial advisor as a small business owner in Virginia? - Which retirement plan would you set up for my business, and why? - How would you set my salary against distributions? - How much of my net worth should stay in the business? - How do you plan for an eventual sale or succession? - How will you plan for Virginia tax alongside federal tax? ## How current is this list of fee-only advisors for small business owners 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 | |---|---|---|---|---| | [DAN Honsberger](https://find.wellspent.co/advisors/dan-honsberger.md) | Reel Financial Planning | Midlothian, Virginia | CFP | Subscription, One-time planning fee, Hourly | | [Hui-chin Chen](https://find.wellspent.co/advisors/hui-chin-chen.md) | Jade & Cowry | Arlington, Virginia | CFP | Flat fee or retainer, Ongoing 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 | | [Sefa Mawuli](https://find.wellspent.co/advisors/sefa-mawuli.md) | Jade & Cowry | Arlington, Virginia | CFP | Flat fee or retainer, Ongoing planning fee, Hourly | | [David Marotta](https://find.wellspent.co/advisors/david-marotta.md) | Marotta Wealth Management, Inc. | Charlottesville, Virginia | AAMS, AIF, CFP, APMA | Percentage of assets, Hourly, One-time planning fee | | [Anthony Lombard](https://find.wellspent.co/advisors/anthony-lombard.md) | Noteworthy Financial | Fairfax Station, Virginia | CFP | Subscription, One-time planning fee, Hourly | | [Darren Koch](https://find.wellspent.co/advisors/darren-koch.md) | Steigerwald, Gordon & Koch Inc. | Leesburg, Virginia | CEPA, CFP, CRPS, Other, CFA | Percentage of assets, Hourly, Fixed fees | | [David Miller](https://find.wellspent.co/advisors/david-miller.md) | Rule72 Financial | Potomac Falls, Virginia | CFP, MSC | Percentage of assets, Hourly, Fixed fees | | [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 | | [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 | | [S. Alexis Grason](https://find.wellspent.co/advisors/s-alexis-grason.md) | Spark Financial Advisors, LLC | Richmond, Virginia | CFP, RICP, CIMA | Percentage of assets, Hourly, Fixed fees | | [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 | | [Alan Nicolette](https://find.wellspent.co/advisors/alan-nicolette.md) | Nicolette Financial | Charlottesville, Virginia | CFP | Hourly, Fixed fees | | [Kyle Packard](https://find.wellspent.co/advisors/kyle-packard.md) | Packard Wealth Strategies | Alexandria, Virginia | CFP, ChFC | Percentage of assets, Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Bailey Thornton](https://find.wellspent.co/advisors/bailey-thornton.md) | Kinloch Capital | Glen Allen, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Coleman Pollard](https://find.wellspent.co/advisors/coleman-pollard.md) | Steelhead Wealth Management | Glen Allen, Virginia | CFP | Percentage of assets, Fixed fees | | [Daniel Weinstein](https://find.wellspent.co/advisors/daniel-weinstein.md) | KFA Private Wealth Group | Tyson, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [James Patterson](https://find.wellspent.co/advisors/james-patterson-5062666.md) | KFA Private Wealth Group | Tyson, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Jason Epps](https://find.wellspent.co/advisors/jason-epps.md) | KFA Private Wealth Group | Tyson, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [John Fennig](https://find.wellspent.co/advisors/john-fennig.md) | KFA Private Wealth Group | Tyson, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Michael Rettinger](https://find.wellspent.co/advisors/michael-rettinger.md) | KFA Private Wealth Group | Tyson, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Trey Ellington](https://find.wellspent.co/advisors/trey-ellington.md) | Steelhead Wealth Management | Glen Allen, Virginia | CFP | Percentage of assets, Fixed fees | | [Daniel Fortunato](https://find.wellspent.co/advisors/daniel-fortunato.md) | Meridian Financial Partners | Warrenton, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Davis Gardner](https://find.wellspent.co/advisors/davis-gardner.md) | Omega Wealth Management | Arlington, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Jared Jones](https://find.wellspent.co/advisors/jared-jones.md) | Omega Wealth Management | Arlington, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Lisa Kirchenbauer](https://find.wellspent.co/advisors/lisa-kirchenbauer.md) | Omega Wealth Management | Arlington, Virginia | CFP | Percentage of assets, Hourly, Fixed fees | | [Marc Wehmeyer](https://find.wellspent.co/advisors/marc-wehmeyer.md) | Praetorian Guard Wealth Management | Arlington, Virginia | CFP | Percentage of assets | | [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 | | [Anthony Davis](https://find.wellspent.co/advisors/anthony-davis.md) | Brass Capital | Leesburg, Virginia | CFP | Percentage of assets, Fixed fees | | [Ashley Heatwole](https://find.wellspent.co/advisors/ashley-heatwole.md) | Graves Light Lenhart Private Wealth Management | Harrisonburg, Virginia | CFP, CFA | Percentage of assets | | [Atta Khan](https://find.wellspent.co/advisors/atta-khan.md) | Azzad Asset Management | Falls Church, Virginia | | Percentage of assets | | [Ayman Khalil](https://find.wellspent.co/advisors/ayman-khalil.md) | Azzad Asset Management | Falls Church, Virginia | | Percentage of assets | | [Bashar Qasem](https://find.wellspent.co/advisors/bashar-qasem.md) | Azzad Asset Management | Falls Church, Virginia | | Percentage of assets | | [Ehab Alalfey](https://find.wellspent.co/advisors/ehab-alalfey.md) | Azzad Asset Management | Falls Church, Virginia | | Percentage of assets | | [Jeffrey Lenhart](https://find.wellspent.co/advisors/jeffrey-lenhart.md) | Graves Light Lenhart Private Wealth Management | Harrisonburg, Virginia | CFP | Percentage of assets | | [Jerry Firebaugh](https://find.wellspent.co/advisors/jerry-firebaugh.md) | Wayne Firebaugh | Roanoke, Virginia | CFP | Percentage of assets, Hourly | | [Joshua Brockwell](https://find.wellspent.co/advisors/joshua-brockwell.md) | Azzad Asset Management | Falls Church, Virginia | | Percentage of assets | | [Mary Boland](https://find.wellspent.co/advisors/mary-boland.md) | Brass Capital | Leesburg, Virginia | CFP | Percentage of assets, Fixed fees | | [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 | | [Nicholas Perrine](https://find.wellspent.co/advisors/nicholas-perrine.md) | Graves Light Lenhart Private Wealth Management | Harrisonburg, Virginia | CFP | Percentage of assets | | [Ryan Waid](https://find.wellspent.co/advisors/ryan-waid.md) | Graves Light Lenhart Private Wealth Management | Harrisonburg, Virginia | CFP | Percentage of assets | | [Tameem Qasem](https://find.wellspent.co/advisors/tameem-qasem.md) | Azzad Asset Management | Falls Church, Virginia | | Percentage of assets | | [Kishore Shah](https://find.wellspent.co/advisors/kishore-shah.md) | Lynx Investment Advisory | Vienna, Virginia | ChFC | Percentage of assets, Fixed fees, Performance-based fees | | [Stephen Trojan](https://find.wellspent.co/advisors/stephen-trojan.md) | Flatiron Wealth Advisors | Henrico, Virginia | | Percentage of assets, Ongoing planning fee | | [Taylor Turner](https://find.wellspent.co/advisors/taylor-turner.md) | Taylor Turner Wealth Management LLC | Richmond, Virginia | | Percentage of assets, Flat fee or retainer | Showing the first 50 of 84. The full list, page by page: https://find.wellspent.co/specialties/small-business-owners/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) - [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).