Take the Next Step Toward Your Ideal Retirement!

Helping You Meet Your Financial Needs Is Our First Priority

It’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.

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Services We Offer


Retirement Income Strategies


Wealth Management & Investments


Asset Protection Strategies




Life Insurance


Long-Term Care Strategies


IRA/401(K) Rollovers


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.

Sherpa Financial Guides Inc
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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.

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Income Planning

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Our goal is to help ensure your expenses can be paid month to month with reliability and predictability for the rest of your life.

This typically includes:
• Social Security Maximization
• Income & Expense analysis
• Inflation plan
• Spousal plan
• Longevity protection

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Investment Planning

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Once your income plan is established, we will create an investment plan for the remaining assets that you do not need to draw from month to month.

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

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Tax Planning

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Any comprehensive Retirement Plan will include a strategy for decreasing tax liabilities.

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

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Health Care Planning

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We will create a plan to help you address rising healthcare cost with a minimum of expense.

This also includes:
• Looking at all aspects of Medicare
• Analyzing options for a long-Term Care plan

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Legacy Planning

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It is important to ensure your hard-earned assets go to your beneficiaries in the most tax efficient manner.

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