Henrico County · Virginia
Retirement Planning and Financial Advice in Short Pump, VA
Short Pump is where our Richmond-area office actually is — the Westerre Parkway office sits just east of it, between Innsbrook and the Short Pump corridor. If you live in Wyndham, Twin Hickory, or anywhere along Broad Street out to Route 288, we are a short drive rather than a trip into the city.
We don’t have an office in Short Pump
We’d rather say so than imply otherwise. Most Short Pump clients meet with us virtually, or in person at our Richmond-area office on Westerre Parkway.
See both officesWho we work with here
What retirement looks like in Short Pump
Short Pump households tend to be dual-income professionals in their fifties and sixties who have accumulated steadily and never had a reason to consolidate. Two 401(k)s, an old rollover, a brokerage account, and a vague sense that it should probably be looked at as one thing.
The neighbourhoods we hear from most: Innsbrook, Wyndham, Twin Hickory.
Where the money comes from
The plans we see most in Short Pump
Rolling out of an employer plan is the single most common reason someone calls us. These are the ones that come up here.
Innsbrook corporate park employers
- 401(k)
- Deferred compensation
The office park immediately west of our location is home to a large number of the region's finance, insurance and professional-services employers.
Capital One (West Creek)
- 401(k)
- RSUs
A straight run out Route 288 — many West Creek employees live on this side of the county.
Dominion Energy
- 401(k)
- Pension
A common Richmond-area combination of pension and 401(k).
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.
Questions
Common questions from Short Pump
Effectively, yes — we are on Westerre Parkway, a few minutes east of the Short Pump corridor near Innsbrook. It is the same office we describe as our Richmond location.
Yes. It is a suburban office park with surface parking, not a downtown garage. Meetings are by appointment so there is no waiting room to sit in.
The five to ten years before you retire are when the decisions with deadlines get made. If you are close enough to be asking, it is not too early to have the conversation.
Social Security is not taxed by Virginia; withdrawals from traditional 401(k)s and IRAs are, at ordinary rates. There is an age-based deduction that phases out as income rises, which is exactly why withdrawal sequencing is worth planning rather than improvising.
Yes. Virginia taxes distributions from traditional IRAs and 401(k) plans as ordinary income. Social Security is not taxed, and Virginia has no estate or inheritance tax. Withdrawal sequencing is where most of the controllable tax lives.
It's middling. Social Security is exempt and there is no estate or inheritance tax, but ordinary income tax applies to pension and retirement-account withdrawals, and the age-65 subtraction phases out at higher incomes. Whether it works for you depends on where your income comes from, not just where you live.
Last reviewed 2026-08-11
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