Financial Planning

A Comprehensive Financial Planner in Virginia

HSC Wealth Advisors are Virginia-based financial planners noted for superior credentials, unparalleled integrity, and a client-first advisory approach. Our financial planners are near Lynchburg and surrounding regions, and HSC Wealth Advisors also provides financial planning services nationally.

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Our Financial Planning Services

HSC Wealth Advisors offer comprehensive services, including:

• Retirement planning: Whether you just started your career or have decades of work experience, our advisors can offer retirement guidance and planning services. We discuss ways to invest less while earning more, reduce your current income taxes, and let your retirement options grow. 
• Investment management: Our professionals offer investment management services aligned with your short and long-term needs. We research new opportunities, evaluate risks, develop strategies, buy and sell assets, manage portfolios, and develop plans to minimize taxes. 
• Estate and tax planning: We offer estate and tax planning to help you provide your family with long-term security and a legacy of wealth. Our advisors use an in-depth understanding of tax laws to suggest ways to minimize the valuation of the property in the taxable estate or reduce the amount of property in the taxable estate.
• Insurance analysis: If you need help determining whether or not you have sufficient insurance coverage, turn to our knowledgeable insurance consultants. We analyze insurance plans to determine if you have the custom coverages you need at fair prices.
• Charitable giving: Our financial advisors provide strategic philanthropic planning to help you support your favorite charities in a meaningful and tax-efficient way. We assess your personal spending and long-term goals to determine an appropriate amount for giving. 
• Education investment planning:  Consider our education planning services if you want to plan financially for private secondary, college, or graduate school. Our advisors help you create a disciplined and diverse approach to grow your savings for tuition and school-related fees. 
• Investing for young professionals: If you recently started your career and want to establish a solid financial foundation for your future, learn more about our savings program for young professionals. We provide advice to help you start investing and manage your money.

The Fee-Only Approach

As a fee-only wealth management firm with an unparalleled reputation and a commitment to integrity, our Virginia financial advisors believe our fee-only approach eliminates conflicts of interest and puts the needs of our clients first — where they should be. We never accept compensation from product sponsors because our advisors prefer a client-first advisory approach. This means they choose the investment vehicles that best benefit our clients.

HSC Wealth Advisors doesn’t sell products that pay commissions or compensate us for their sale — we only use no-load, no-transaction-fee mutual funds and ETFs (Exchange Traded Funds) in the pursuit of a diversified portfolio that manages turbulent markets with fewer ups and downs.

Stay Secure During Challenging Times

Many HSC Wealth Advisors clients have benefited from the quality advice we provide during challenging times. Making hasty decisions during periods of market volatility can be costly, and we help our clients retain their peace of mind as we help them manage difficult investment decisions.  

Clients who have been with HSC Wealth Advisors over our 40 years in the investment industry appreciate the fiduciary standard we employ in every client relationship — this ensures our ability to provide sound advice that puts the needs of clients first.

The Fiduciary Standard

Experienced investors who work with multiple advisory services understand the difference between the suitability standard employed by most brokerage firms and the fiduciary standard HSC Wealth Advisors uses for our clients.

Most brokers will only sell investment vehicles they deem “suitable” for a particular client — even if it’s not the most cost-effective solution. However, HSC Wealth Advisors is an independent, fee-only financial planning firm that puts the interests of our clients ahead of ourselves and product sponsors.   

Charging a flat fee avoids a conflict of interest and allows our fiduciary financial advisors to provide professional, competent advice while maintaining strict standards of integrity and honesty.

Benefits of Working With a Financial Planner

Whether you’re planning on working another 20 years or are nearing retirement, you will find greater success in reaching your financial goals with the help of a skilled team of financial planners. Your financial advisory team does more than pick your stocks — they listen to your goals, show you how to manage your money, and ensure you are ready when it comes time to retire.

When you work with a financial planner, they can help you optimize your finances by:

• Developing effective investment strategies: Your financial advisor will consider your goals and plans for the future and create a customized strategy for success. They will apply their skills and experience to know where and when to invest, maintaining a diverse portfolio that performs reliably.
• Lowering your risks: When creating an investment portfolio, higher-risk investments can reap greater rewards, but lower volatility produces greater stability during market downturns or geopolitical events. Your financial advisor will manage your risk, knowing when and how to play it safe, so your money is there when you need it.
• Making informed decisions: A highly credentialed financial planner will make decisions about your portfolio based on logic and hard data, protecting your best interests and helping you stay the course to reach your financial goals.
• Minimizing taxes: Your financial advisor helps navigate the rules of saving money and paying taxes on your investments and knows where to invest your money to maximize its growth and minimize the amount you pay in taxes.
• Creating a plan for cash flow: Your financial advisory team can help you review your expenses and create a complete plan for meeting your cash flow needs. This way, you can feel secure knowing you can maintain your lifestyle throughout retirement.
• Providing ongoing support: Financial planners serve as the initiator of your plan and a reliable advisor for your finances, including cash and debt management, estate planning, and income tax planning.

HSC Wealth Advisors provides experienced guidance to help make your financial planning simple. We employ a team of CERTIFIED FINANCIAL PLANNERS™ who have earned top credentials in their field and can effectively secure your retirement strategy. Our fee-only approach ensures every decision made by your financial advisory team is made with you and your personal goals in mind.

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Why Work With Our Financial Advisors in Virginia?

The HSC Wealth Advisors team features financial planners and advisors capable of serving clients in Virginia and across the United States. With decades of experience and outstanding professional credentials, our team is committed to the HSC Wealth Advisors mission and investment philosophy.  

Our mission is to build a long-term client relationship with you that enhances your lifestyle and financial resources. Let us create a partnership that will sustain your family for generations to come.

Our Financial Planning Process

During our onboarding process, we gather necessary information regarding your priorities and learn how to meet or exceed your expectations. After learning about your money habits and current lifestyle, we cover the basics of investing and develop a clear understanding of your portfolio goals. We discuss topics such as financial independence and retirement projections.

Enjoy having peace of mind with our comprehensive strategies — our team outlines how to leave your family with a legacy, which includes preparing beneficiaries and essential estate documents. We help you save, manage, and grow money with minimized tax liabilities. 

Contact Our Virginia Financial Planners Today

Start planning for your future early for the best results. While you may hear different recommendations for when you should begin saving for retirement or investing your money, you can start whenever you feel ready. The sooner you find a financial advisor you trust, the sooner you can begin working towards your goals, building your portfolio, and securing your retirement strategy.

HSC Wealth Advisors makes obtaining a financial planner in Virginia and developing your investment portfolio easy. Our team includes CERTIFIED FINANCIAL PLANNERS™, Accredited Investment Fiduciaries®, Certified Public Accountants (CPAs), Certified Kingdom Advisors®, and a partner who has earned the right to use the chartered financial analyst (CFA) designation. Together, we have nearly 80 combined years of experience consulting and advising investors of all ages.

Connect with our team to learn more about how our fee-only financial planners in Virginia can help you meet your financial goals. You can reach us by filling out our online contact form or giving us a call at 434-316-9356.