Planning, Thoughtfully Done.

Your future clearly planned.Your life confidently lived.
The income, the taxes, the what-ifs — off your shoulders.
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Voted Best Private Wealth Advisor — Richmond Magazine, 2026
4.9 / 5.0 — 78 independent client reviews
Read client reviews

Building wealth is one journey.Living confidently from it is another.

The strategies that help create your wealth aren't always the ones that help sustain it.We help families grow, preserve, and enjoy their wealth — in every season of life.

Certainty starts with a second opinion.

Not a sales meeting. A diagnosis.It ends with your plan in writing — every saving and opportunity we find.Partner with us, or implement elsewhere. Your call.

Three questions most plans can't answer.

01

Is your portfolio built to grow wealth — or engineered to protect it?

Growth got you here — and it stays, balanced with steady income, less risk, and lower taxes. After the paychecks stop, there's no room for big mistakes.
02

Taxes may be your largest retirement expense. Who's hunting the savings?

Filing a return isn't a strategy — it reports the past. The savings are decided ahead of time: what to draw first, when to move money, how to keep more away from the IRS and the state.
03

If something happened to you, would your family know exactly what to do?

No scavenger hunt, no guesswork. We know where everything is and who does what. Your family makes one call — we take it from there.
Most plans answer one question. A complete plan answers all three.
The Second Opinion

From diagnosis to decision, in four steps.

1

Understand

A discussion — your goals, concerns, and full picture.
2

Evaluate

Taxes, investments, income, risk, estate.
3

Deliver

Your written plan and playbook — our best ideas, spelled out.
4

Decide

Partner with us, or implement elsewhere. Your call.
Who We Serve

Three kinds of families find us.

The successful, but under‑served.

Accounts scattered everywhere, statements every quarter — and no one looking at the whole picture. You suspect money's being left on the table.

The big-firm afterthought.

Millions at a big-name firm — a premium fee, a yearly call, and a portfolio. Nobody's planning the taxes, the income, or the estate.

The one who carries it all.

You run it all, and you run it well. No one's taking the keys — but if health, age, or life ever makes the job harder, your family shouldn't be meeting a firm for the first time.
Recognize yourself? The second opinion was built for you.
The Commonwealth Retirement Advisors team in the firm's Richmond office
The Firm

One team.Not one advisor.

An all-CFP® advisory team.100+ years of combined experience.A plan that outlasts any one of us.
The whole firm serves your family — so nothing about your plan depends on a single person being in the building.
Meet the team

What Clients Say


4.9 / 5.0 — 78 independent reviews

"I feel safe and secure with Commonwealth handling our money. They take the time to explain things, and I always feel like they have my back."

Client for over 13 years

"I appreciate your personalized attention and genuine interest in our financial goals as well as in the overall wellbeing of us and our families."

Client since 2018

"You take the time to explain matters in a way that I can understand. I always feel like you 'have my back.'"

Retired healthcare professional, client since 2012

"My family and I feel fortunate that your team is looking after us and all our financial needs. You have been a blessing to us through the years."

Retired professional, client since 2012

"I feel safe and secure with Ryan handling my money."

Retired educator, client since 2012

"I feel he has my best interest at heart. He answers all my questions. His staff is friendly and helpful."

Widow, client since 2012

"I feel safe and secure with Commonwealth handling our money. They take the time to explain things, and I always feel like they have my back."

Client for over 13 years

"I appreciate your personalized attention and genuine interest in our financial goals as well as in the overall wellbeing of us and our families."

Client since 2018

"You take the time to explain matters in a way that I can understand. I always feel like you 'have my back.'"

Retired healthcare professional, client since 2012

"My family and I feel fortunate that your team is looking after us and all our financial needs. You have been a blessing to us through the years."

Retired professional, client since 2012

"I feel safe and secure with Ryan handling my money."

Retired educator, client since 2012

"I feel he has my best interest at heart. He answers all my questions. His staff is friendly and helpful."

Widow, client since 2012
These testimonials reflect the opinions of current Commonwealth Retirement Advisors clients. No client received cash or non-cash compensation for providing a testimonial. Individual client experience may vary; testimonials are not indicative of future performance.

You built it.We stand watch.

9030 Stony Point Parkway, Suite 470 · Richmond, VA 23235