Take the Next Step Toward Your Ideal Retirement!
Helping You Meet Your Financial Needs Is Our First PriorityIt’s our responsibility to evaluate and assess your financial situation and only make recommendations that are in your best interest, and we do so with integrity and transparency.
Our experienced professionals are not just knowledgeable about finances; we also understand the importance of priorities, family, and confidence in your financial future.
Services We Offer
01
Retirement Income Strategies
02
Wealth Management & Investments
03
Asset Protection Strategies
04
Annuities
05
Life Insurance
06
Long-Term Care Strategies
07
IRA/401(K) Rollovers
08
IRA Legacy Planning
Meet Sherpa Financial Guides, Inc.
Since 1997, Sherpa Financial Guides, Inc. has been serving Central Virginia, including the Shenandoah Valley, Nelson, and Albemarle County, as well as the city of Charlottesville, Fredericksburg, Williamsburg, and Richmond.
We have always developed our business by creating close, personal relationships with our clients. When you have financial concerns, we want to help you address them.
Who We Work With
Professionals building careers, families, and wealth
Generational wealth
Business owners and employers
Anyone who would like a second opinion, or is disappointed with their current situation.
The Process
Our process is designed to help you achieve simplicity and confidence during your retirement years. It is focused around 5 key areas of your current financial life.
Income Planning
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This typically includes:
• Social Security Maximization
• Income & Expense analysis
• Inflation plan
• Spousal plan
• Longevity protection
Investment Planning
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This typically includes:
• Assessing your risk tolerance, both willingness and ability
• Adjusting your portfolio to reduce fees and maximize efficiencies
• Volatility control
• Comprehensive institutional money management
Tax Planning
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This typically includes:
• Assessing the taxable nature of your current holdings
• Possible IRA planning
• Strategizing ways to include tax-deferred or tax-free money in your plan
• Strategize which tax category to draw income from first to potentially reduce a tax burden
• Discussing ways to leverage your qualified money to leave tax-free dollars to beneficiaries
Health Care Planning
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This also includes:
• Looking at all aspects of Medicare
• Analyzing options for a long-Term Care plan
Legacy Planning
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By working collaboratively with a qualified Estate Planning Attorney, our goal will be to help you:
• Maximize your estate and income tax planning opportunities
• Protect any assets in trust and ensure they are distributed to your beneficiaries probate free
• Prevent your IRA and qualified accounts from becoming fully taxable to your beneficiaries upon your death
• Strategies for charitable giving and philanthropy
SFG Investment Philosophy
Our priority is to help guide our clients in forming their own investment philosophy. We do this by providing them with our beliefs about investing which act as a funnel in narrowing down the investing universe to a more manageable selection of investments. Helping our clients fully understand their risk tolerance, with regards to ability, willingness, and timeframe, and focusing on their objectives is paramount in guiding them toward an investment philosophy. While this is not a comprehensive list, it is a few of our standards we placed on the selection of and building of the proper investment philosophy.
- Long term focused
- Quality matters
- Use of both active and passive investment styles
- Proper allocation and diversity while monitoring correlations
- Rebalance to maintain risk/reward target
- Globally focused
- Client driven ESG and investment restriction based on their values
- Cost vs value added examined
- Monitor and adapt as needed