Retirement Planning: Comprehensive Wealth Management, 401(k), and IRA Financial Advisory Services

Retirement Planning Services in Lynchburg, VA

The team at HSC Wealth Advisors is prepared to help you set and achieve your retirement goals today. As an independent, fee-only service provider, our focus is on providing you with the guidance you need to plan for retirement and your overall financial goals. Our retirement advisors have put our clients first since our beginning in 1983 — it’s part of who we are.

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Set Goals for Retirement

Most people don’t know how much goes into retirement planning. When you engage HSC Wealth Advisors, we will guide you through the full spectrum of retirement planning services, such as investment management. More services include:

  • Medicare and Social Security strategies
  • Employer-sponsored plans like 401(k)s and 403(b)s
  • IRA conversions and contributions
  • Pension plans
  • Fixed and variable annuities

Benefits of Retirement Planning

Retirement planning begins early. From your 20s on, it’s beneficial to start considering retirement and how you’ll save for it. It’s never too late to prepare for retirement though. Even a few years of planning can afford you a significant amount of benefits. Some reasons you should start thinking about retirement now include:

  • You will invest less while earning more: Thanks to compound interest, the earlier you start saving, the more time you have for your retirement accounts to accrue interest. You can end up with more money than you invested thanks to compound interest and the time funds have to accrue interest.
  • You can reduce current income taxes: The funds you contribute to retirement savings, whether through your employer, an IRA, or a self-employed account, are not subject to income taxes until withdrawal. So, by investing in your future, you will save money today, too.
  • Your retirement options grow: Whether you want to start your own business or go on a cruise around the world, planning for your goals can ensure you have the funds to live your best retirement life.

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Our Mission and Philosophy

At HSC Wealth Advisors, we believe that no one should have to lose sleep over their retirement investments. Even when the market is tumultuous, having the right financial advisors can help you keep your finances steady. Wherever you are in the country, our Lynchburg, VA financial advisors can help diversify your portfolio with no-load, no-transaction-fee mutual funds. We understand everyone’s financial needs are different, so we strive to personalize our advice to fit your future and provide peace of mind.

Through our perceptive financial resource management, we will manage your investments and preserve gains and principal, all with less stress and risk to you. Our proactive approach will allow you to set a foundation for the future that can help you and your family for generations to come.

Suitability Standards and Fiduciary Responsibility

One of the main reasons you can feel confident choosing HSC Wealth Advisors is that we prioritize fiduciary responsibility over suitability standards. Unfortunately, with the proper disclosures, some firms focus on offering products to their clients that are in the best financial interest of their company rather than their clients. This practice leads to clients paying more than they need to for the sole benefit of their advisors.

At HSC Wealth Advisors, our fiduciary approach is fee-only and independent of product sponsorships. This method allows us to keep the interests of our clients where they should be — first in our minds. One of our core values is that our professional and competent staff maintain a high degree of integrity, objectivity, and ethical standards. Our loyal clients know they can trust us to do what is right for them without any outside influence.

Lynchburg, Virginia Tax and Retirement Planning Advisors

When it comes to retirement planning, a good financial advisor will discuss your taxes, too. We have strategies to help you make tax-efficient investments to maximize your future income. We’ll even connect you with other local legal and tax professionals that can give you more specialized and in-depth advice on your situation if you need the added help.

Contact the HSC Wealth Advisory Team

Request a call from HSC Wealth Advisors today so we can begin discussing which tax-saving strategy for retirement fits your lifestyle best. Whether you need retirement planning services for yourself or a business, we can help. Our impressive list of credentials includes being Accredited Investment Fiduciaries® and CERTIFIED FINANCIAL PLANNERS™, as well as having two Certified Public Accountants and a partner who have earned the right to use the Chartered Financial Analyst (CFA) designation.

Our assistance goes well beyond traditional retirement planning. We also give our clients comprehensive wealth management, tax and estate planning, insurance analysis, education planning, and charitable giving advice. If you would like 401(k) and IRA plan assistance from our financial advisors in Lynchburg VA, connect with us now to build your retirement legacy.

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Learn Other Ways Our Team Can Help: