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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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 30 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. At HSC Wealth Advisors, 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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The HSC Wealth Advisors Team

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 firm provides comprehensive retirement planning, investment planning, tax planning, insurance planning, estate planning, education planning, and charitable giving services.

Our team also works closely with tax and legal professionals in close proximity to clients so we can connect them with integrated support services when necessary. 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.

Save Money With a Financial Planner

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.

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