(804) 282-1238

Navigating Complexity, Crafting Simplicity

Our Clients Report

are comfortable or very comfortable with the investment portfolio we manage for them
find the advice and financial guidance they receive from us useful or extremely useful
would recommend us to a friend or family member

What Clients Say  

"We appreciate the clarity and thoroughness of our financial meetings with Ryan and Chris. Their advice and guidance are always on point. Their outstanding preparation and research make for interesting and insightful presentations."
Retired Physician
Richmond, VA
"We have always found CRA helpful, promptly responding to our questions, very personable, and professional. We enjoy our discussions."
Software Engineer
Raleigh, NC
"Everyone on the staff is there if needed. I feel very comfortable about asking questions knowing I will get the truth. Sharing your knowledge has helped me make good decisions."
Active Lawyer
Fairfax, VA
"We have no worries about our financial future. It is the best peace of mind!."
Retired Pilot
Richmond, VA
"Ryan and his staff always make my wife and I feel that they have our best interest in mind when we have our review. They are just a phone call away if I have any questions or concerns. I would definitely recommend."
Retired Business Owner, Midlothian, VA
"I love coming for my updates – it helps me to prepare and think about the future. All of the staff are amazingly friendly, it feels just like family. I can’t imagine being in better hands."
Retired Medical Researcher, Powhatan, VA
"We appreciate your work on our behalf. You’ve helped make our first couple of years as retirees as stress-free as possible. "
Retired Educator, Warsaw, VA

Who We Serve

Successfully Retired

Let us enhance your second half of life with tailored financial solutions, ensuring every moment is spent worry-free.

Professionals and Business Owners

Your success story deserves an exceptional financial plan. Elevate your financial journey to continue your legacy and ensure peace of mind.

Savers Near Retirement

We recognize the value of your efforts and offer tailored solutions to retire with confidence, peace, and the freedom to enjoy life’s precious moments.

Financially Independent

Our expert team is ready to provide guidance to navigate life’s complexities and optimize your wealth for a worry-free future.

Big Life Changes

Your life has been reshaped by a significant event and our team stands ready to help navigate you through this transformative journey.

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What Sets Us Apart

Next Level Planning

After understanding your financial situation, we will create a tailored, comprehensive written plan. It will include tax-saving strategies, income growth ideas, and estate planning techniques. This plan is stress-tested against over 1,000 market scenarios for your peace of mind.

Roadmap Refresh

It’s crucial to keep your written plan updated as your circumstances and the world change. Our team will coordinate annual updates, considering changes in health, family, spending, personal goals, and market conditions.

Highly Credentialed Team

All advisors are CERTIFIED FINANCIAL PLANNER™ professionals and other credentials held by team members include Chartered Financial Consultant®, Chartered Retirement Planning Counselor™, Financial Paraplanner Qualified Professional™, and a Master of Science in Gerontology. 

What You’ll Enjoy

Constant Human Connection

When you call our office, you'll speak to a person, not a machine. You'll also have our advisors' cell numbers for 24/7 contact. We love meeting in person and will schedule 1-2 formal reviews per year. Virtual meetings are also available if preferred.

Asset Protection

As a registered investment advisor we believe it is important to have a third party custodian. We have partnered with Charles Schwab to custody our client’s assets where they make sure every cent of your money is accounted for.

Your Interest First

We hold ourselves to the highest ethical standards, guaranteeing unbiased advice tailored to your unique needs.
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Confidence Before Commitment 

Our No Cost - Second Opinion Process 
For families meeting our minimum, we offer our complimentary no obligation, second opinion process. This can give you the confidence you need before making any commitments. Even if we aren't the right fit, you'll benefit from our detailed analysis and recommendations.


Through insightful conversations, we delve into your life, finances, needs, and goals, laying the groundwork for a tailored financial journey we craft for you.



Utilizing insights from the Discover phase, we analyze the details of your specific situation and begin meticulously crafting your unique financial plan and strategies.



We explain the details of your tailored plan, ensuring you understand how each component works towards achieving your goals. This step is about educating and empowering you with knowledge, so you feel confident about the decisions you’re making.



If we both decide to work together, we will implement the strategies outlined in your tailored plan, and continuously monitor and adjust it as needed to adapt to your life’s changes.

Start Your Second Opinion Process

No Cost - No Obligation – Plenty of Ideas
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How We Can Help:

Financial Planning

Cash Flow Analysis
Tax Planning
Estate Planning
Titling and Beneficiary Review
Family Education Funding
Insurance Review
Charitable Giving
Navigating Life Changes
Network Coordination (CPAs, Attorneys, Insurance Agents, etc)

Asset Management

Portfolio Management and Investment Selection
Asset Allocation and Risk Management
Dividend Income Strategies
Tax Minimization 
Routine Progress Reports
Concentrated Position Management

Retirement Success

Social Security Strategies
Pension Plan Maximization 
Tax Efficient Withdrawals
Spending and Goals Evaluation
Roth Conversion Analysis
We honor your effort with our expertise.
- Ryan P. Drake, CEO & Chief Investment Officer