Financial Advisor in Richmond, VA

Looking for a Financial Advisor in Richmond who can help you get organized and make smarter money decisions without the fluff? Centennial Financial Group works with individuals, families, and business owners across Richmond, Henrico, and Chesterfield County who want a clear plan they can actually use. Not a 60-page binder that gathers dust.

Richmond has its own money realities, too. Housing costs, commuting tradeoffs, and career moves between downtown, Short Pump, and Midlothian can shift cash flow fast. Census data puts Richmond’s median household income at $64,587 (2020–2024, inflation-adjusted). That’s helpful context when you’re balancing savings, debt, and long-term goals.

If you’re looking for a Financial Advisor in Richmond and want a straightforward conversation about your next step, reach out to Centennial Financial Group. We’ll start with what’s on your mind, take a clear look at where you stand, and talk through practical options you can consider. No pressure. Just real guidance and a plan for what to do next.

Reach Out

What Working With a Financial Advisor Can Look Like

Some people come in with a specific question. Others just feel like they’re “doing fine” but don’t know if they’re missing something big. Either way, we start with the basics:

What you own, what you owe, what you earn, what you spend
What matters most next: retirement timing, family needs, business growth, a major purchase
The gaps. The risks. The opportunities.

Then we map out priorities and build a plan that’s meant to be revisited, not shelved.

Our Financial Services Include:

Retirement Planning

If you’re searching for "Retirement planning Richmond" or "Retirement planning Richmond VA", you’re probably thinking about more than a target date. It’s also:

How you’ll replace paychecks (and from where)
When Social Security fits in
Taxes on withdrawals and how timing changes the math
Healthcare, long-term care, and the stuff nobody wants to guess on

Retirement planning isn’t just picking funds and hoping it all lines up later. It’s a way to connect the dots between your savings, expected income sources, taxes, healthcare costs, and the lifestyle you want in the next chapter. Done well, it can make decisions feel more intentional, like you’re choosing your timeline instead of reacting to it.

Investment Management

Good investing is rarely about chasing whatever’s hot this month. It’s about building a portfolio that matches your goals and your timeline, then maintaining it with discipline.

With investment management Richmond (VA) clients, conversations often center on:

Risk level and how it shows up in real life (not just a number)
Diversification and concentration issues
Tax-aware investing choices
Rebalancing and what to do when markets get noisy

Sometimes the most useful move is simplifying. Fewer accounts. Cleaner strategy. Less “Why do I even own this?” energy.

Estate Planning

When people look up estate planning in Richmond, they’re usually trying to protect family, reduce confusion, and keep things orderly.

While Centennial Financial Group isn’t a law firm, we can help you coordinate the financial side of your estate planning efforts with your attorney.

That can include:

Reviewing beneficiary designations (often outdated, and yes it happens a lot)
Coordinating account titling with your intent
Planning for liquidity needs so heirs aren’t forced into rushed decisions
Thinking through legacy and charitable goals

Estate planning can feel like something you’ll “get to later,” until later shows up fast. A little coordination now can help keep your accounts, beneficiaries, and family wishes aligned, so the people you care about aren’t left sorting out confusion down the road.

Financial Planning for Small Business Owners

Richmond runs on small businesses. Across Virginia, SBA reporting shows 854,172 small businesses, representing 99.6% of all Virginia businesses, employing 1.5 million people.

If you’re looking for financial planning for small business owners or Financial planning sevices for small business owners, the plan usually needs to blend “business” and “personal” in a way that actually works.

Common focus areas:

Owner pay strategy and cash reserves
Retirement plans for owners and teams
Tax coordination with your CPA
Succession and continuity planning
Insurance and risk decisions that affect the full picture

Some weeks it’s spreadsheets. Some weeks it’s just getting the right accounts set up. Both matter.

Frequently Asked Questions

Do you work with clients outside the city limits of Richmond?
Yes. Many clients are in Henrico, Chesterfield, Short Pump, Midlothian, and nearby areas. If meeting virtually is easier, that works too.

What should I bring to my first meeting with a financial advisor in Richmond?
A recent account statement set (retirement, brokerage, bank), your most recent tax return if available, and any estate documents you already have. If you don’t have everything, still come in. We’ll start where you are.

I already have a 401(k). Do I still need retirement planning?
A 401(k) is a tool, not a full plan. Retirement planning ties that tool to income needs, taxes, and timing decisions.

Can you help small business owners who have irregular income?
Yes. Variable income is common in Richmond’s small business community. Planning typically starts with cash flow smoothing and a savings system that matches your reality.

Ready to Talk it Through?

If you’re searching for a Financial Advisor in Richmond and want a practical conversation about your next steps, Centennial Financial Group is here for that. Reach out to schedule an introductory meeting, and we’ll start with what matters most to you, right now.

Schedule a Meeting