Where we work
Offices in Williamsburg & Richmond, VA.
Two offices, and clients across Virginia. Most people do some mix of in person and virtual — and a good number split their year between two states, which is its own planning question.
Also serving
Communities we work with, without an office there
We’d rather be straight about this than list a virtual address and call it a branch. These pages cover what retirement actually looks like in each place — and where you’d meet us.
The tax side
How Virginia taxes retirement income
The same rules apply everywhere in the state. What changes from one household to the next is the order you draw from your accounts — which is the part that’s actually within your control.
- Social Security
- Virginia does not tax Social Security benefits. Benefits that are taxable at the federal level are subtracted from Virginia taxable income.Virginia Department of Taxation, as of 2026
- Age 65+ income subtraction
- Virginians born on or before January 1, 1939 may subtract up to $12,000. For those born later, the subtraction phases out as income rises above the federal adjusted gross income threshold.Virginia Department of Taxation, as of 2026
- Retirement account withdrawals
- Distributions from traditional IRAs and 401(k) plans are taxed as ordinary income at Virginia's graduated rates. Qualified Roth distributions are not.Virginia Department of Taxation, as of 2026
- Estate and inheritance tax
- Virginia has no state estate tax and no inheritance tax. Federal estate tax rules still apply.Virginia Department of Taxation, as of 2026
Virginia public-sector plans
- Virginia Retirement System (VRS)
- Which plan you're in changes your options at retirement more than most members realize — particularly the hybrid plan's defined-contribution component. Plans: Plan 1, Plan 2, Hybrid Retirement Plan.
- Optional Retirement Plan for Higher Education (ORP)
- Common at William & Mary and other Virginia public institutions. Unlike VRS, the balance is yours and portable. Plans: ORP Plan 1, ORP Plan 2.
General information, not tax advice. Rules change and individual circumstances differ — confirm anything here against your own return with your tax professional before acting on it.
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