We understand that one size does not fit all.
That’s why we take the time to listen, understand your unique needs, and create customized plans that fit your goals. With our holistic approach and commitment to your success, we bring everything full circle to help you create a comprehensive plan for a well thought out financial future.
Contact Full Circle today to
schedule a consultation
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Call Us: 757-799-3234
Office Fax: 757-917-5676
Email: Contactus@FullCircleFin.com
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Mailing Address:
582 Lynnhaven Parkway STE 100
Virginia Beach, VA 23452
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Our office building is easily accessible
via the Lynnhaven Commons entrance on Viking Drive
Retirement Planning
Are you wondering how much you need to save for retirement? Unsure when you should start withdrawing from your retirement accounts? Concerned about how to ensure your savings last throughout your lifetime? How do these accounts factor in with my taxes?
These are common questions many face when thinking about their future.
Retirement planning is crucial for securing the lifestyle you desire in your later years. By addressing these key questions and developing a comprehensive strategy, you can feel more confident about your financial future and enjoy a fulfilling retirement.
Along with your tax professional, we help you peal back the layers of your income sources from 401k, 403b, 457, TSP, ROTH, SEP/SIMPLE/Traditional IRA’s, to Social Security and your pension to determine the best way to spend those so you can enjoy a sustainable retirement while understanding there is still a lot of living to do!
Estate Planning *
The only certainty we have in life is that our time on Earth is finite. And if experience has taught us anything, it’s that we should expect the unexpected. A well-crafted and customized estate plan helps prepare you for the unexpected in addition to how you want things to be handled after you’ve passed away. Thinking about these things and putting a plan together can be a big step but here at Full Circle we take that step with you and your estate planning focused attorney.
Our team has the experience to work with more advanced estate plans that may involve complex real estate holdings, charitable giving, estate tax minimization, veteran’s benefits, SSI benefits, and SSDI benefits, as well as planning for family members with special needs. This is truly where we apply our Full Circle Philosophy. We help bring those estate plans to life!
Long-Term Care Planning
Most of our clients want to “age in place” as long as they can while living a comfortable life. While that’s true, it’s also true that chances are you or someone in your family will require care above and beyond what a family member can provide.
We assist our clients with examining their care options and how to pay for them.This could involve how we position current assets, incorporate insurance options, or utilize estate planning strategies to cover those expenses.
We also have relationships with local care companies, facilities, and long term care nurse navigators to ensure a smooth transition between lower level and higher levels of care.
Company Benefits Consulting
We assist businesses design, manage, and optimize employee benefits programs to align with their goals, employee needs, and regulatory requirements. We do this by assessing existing benefits offerings, such as health insurance, retirement plans, and other perks, ensuring they are competitive, cost-effective, and compliant with relevant laws. We also provide strategic advice on plan design, provider selection, and administrative processes, while supporting effective communication and employee education. By leveraging our insight, we help businesses attract and retain top talent, enhance employee satisfaction, and maximize the value of their benefits investments.
Executive Benefits Consulting
We help you design and manage customized benefit packages for top executives and key leadership within your organization. These benefits often go beyond standard offerings, providing specialized compensation, retirement plans, deferred compensation, and perks that help attract, retain, and motivate senior talent. We assess the specific needs of the organization’s leadership team, ensuring that executive benefits align with both business goals and regulatory requirements. The ultimate goal is to create tailored solutions that provide significant financial rewards for executives while supporting the broader objectives of the company.
Tax Planning *
Whether you work for someone else or own the business yourself, taxes effect every aspect of your life. We will engage and work with your tax and legal professionals to craft a plan to only pay Uncle Sam only what is needed. Once a plan is developed, we use insurance and asset allocation strategies to minimize your current or future tax consequences.
Business Succession Planning
Our team can help prepare for the transition of leadership and ownership within a company, ensuring its continued success and stability when key individuals, such as founders or senior executives, retire, exit, or pass away. This involves identifying and developing internal or external successors, establishing a clear plan for the transfer of responsibilities and assets, and working with your tax and legal advisors to help address key legal and tax considerations. The goal is to create a seamless transition that minimizes disruption, preserves the company’s value, and secures its future growth and continuity.
Special Needs Planning
We provide assistance to families with special needs by creating a tailored, comprehensive strategy to secure the future of loved ones with disabilities. We help establish and manage special needs trusts, which protect assets and allow individuals with disabilities to receive financial support without jeopardizing their eligibility for government benefits like Medicaid and Supplemental Security Income (SSI). We also help families navigate complex issues such as healthcare planning, long-term care expenses, and tax-efficient strategies for saving and investing through ABLE Accounts. Additionally, we address the ongoing financial responsibilities that may arise as the individual with special needs ages. By providing expert guidance and ensuring that all legal, financial, and logistical aspects are carefully planned, we give families peace of mind, knowing that their loved ones will be supported and protected for the long term.
College Planning
We can help you plan financially for college by creating strategies to save and invest for tuition and other expenses. We assist families in selecting savings vehicles, such as 529 plans, as well as help navigate the financial aid process, including scholarships, grants, and loans. By analyzing a family’s financial situation, we develop a personalized plan to meet college funding goals while balancing other financial priorities. We also offer guidance on managing education costs, minimizing student loan debt, and optimizing tax benefits related to education savings.
Charitable Giving
We can help with charitable giving by developing a strategy that aligns with your financial goals and values. We guide clients in selecting the most tax-efficient methods for donating, such as establishing donor-advised funds, charitable remainder trusts, gifting appreciated assets, or making Qualified Charitable Distributions (QCD’s) from their IRA’s after 73. We also help clients determine how much and when to give, ensuring donations are structured in a way that maximizes both charitable impact and tax benefits. Additionally, we can assist in integrating charitable giving into a broader estate or retirement plan to meet long-term philanthropic goals.