Business Details
14 Years
experience
Your Trusted Fee-Only Financial Advisors in Richmond, VA
EVOadvisers is a fee-only financial advisory firm founded on decades of combined experience from our team of certified professionals. We specialize in creating personalized financial plans that align with clients' values and long-term goals. Our services include investment management, risk mitigation, estate planning, tax optimization, retirement strategies, and cash flow analysis. As fiduciaries, we prioritize clients' interests above all else, operating with full transparency and no hidden fees.With over 13 years of experience and a 90% client retention rate, we leverage our expertise in Certified Financial Planning to deliver tailored solutions that evolve with clients' changing life circumstances. Our streamlined process eliminates industry jargon, ensuring clients maintain clear visibility over their financial wellness while benefiting from our team's rigorous academic credentials and practical experience.
Services
Investment Management
Risk Management
Estate Planning
Tax Planning
Retirement Planning
Cash Flow Planning
401(k) for Business
Portfolio Analysis
Financial Counseling
Wealth Strategy
Details
- Year established: 2012
Highlights and features
- We operate as 100% fee-only fiduciaries with no sales commissions
- Our team includes multiple Certified Financial Planners with decades of combined experience
- We maintain a 90%+ client retention rate through personalized service
- Transparent flat-fee pricing structure with no hidden costs
- Specialized expertise in ERISA-compliant 401(k) plan design for businesses
Associations and certifications
- NAPFA Registered
- CFP Board
Services
Investment Management
We develop customized investment strategies that align with your financial goals and risk tolerance. Our low-cost approach focuses on tax-efficient portfolios that maximize returns while minimizing fees. With average expense ratios of 0.08%, we ensure your investments work optimally for your long-term objectives.
401(k) for Business
Our business retirement plan services simplify 401(k) administration through three core principles: Simplify, Amplify, and Quantify. We help businesses reduce costs, improve employee satisfaction, and maintain ERISA compliance while providing participants access to CFP professionals for personalized advice.
Estate Planning
We help clients create comprehensive estate plans that ensure their assets are distributed according to their wishes. Our approach combines tax code expertise with personalized planning for beneficiaries, charitable giving, and special needs considerations, working closely with your legal counsel.
Tax Planning
Our tax planning services focus on minimizing lifetime tax liabilities through strategic planning. We coordinate with CPAs to implement tax-efficient investment strategies, account structures, and asset ownership arrangements that optimize your overall financial picture.
Retirement Planning
We help clients transition from accumulation to distribution phase with confidence. Our comprehensive approach addresses sustainable income streams, tax-efficient withdrawals, and insurance protection to ensure your retirement savings last throughout your lifetime.
People
David J. O'Brien
Co-Founder
MBA and CFP professional with 20+ years of experience in financial planning. Specializes in 401(k) plan design and fiduciary advisory services. Regular contributor to financial media outlets including Bloomberg and CNBC.
John B. Clair
Co-Founder
Certified Financial Planner with expertise in investment strategy and risk management. Brings 25 years of experience from Fortune 500 companies to EVOadvisers' client-focused approach.
Stephen E. Fletcher
Principal
MBA and CFP professional specializing in comprehensive financial planning. Focuses on integrating tax, estate, and investment strategies to create cohesive financial roadmaps for high-net-worth clients.
Johanna Mussro
Financial Planner
FPQP-certified planner with expertise in cash flow analysis and financial counseling. Helps clients optimize spending patterns while maintaining long-term financial security.
Jack O'Brien
Portfolio Manager
CIMA-certified investment professional managing EVOadvisers' low-cost investment lineup. Focuses on creating diversified portfolios with average expense ratios of 0.08%.
Questions
What makes EVOadvisers different from other financial advisors?
We operate as 100% fee-only fiduciaries with no sales commissions, ensuring unbiased advice focused solely on your best interests.
Do you work with clients outside the Richmond area?
Yes, we serve clients nationwide with digital tools and virtual meetings complementing our local Richmond, VA office.
How are your investment management fees structured?
We use a transparent flat-fee schedule based on complexity, with no minimum portfolio size requirements.
Can you help with existing 401(k) plans?
Yes, we specialize in evaluating and improving existing 401(k) plans to reduce costs and improve participant outcomes.
What qualifications do your advisors hold?
Our team includes multiple Certified Financial Planners (CFP), Chartered Financial Analysts (CFA), and Certified Investment Management Analysts (CIMA).
How often do you review financial plans?
We recommend annual reviews with quarterly check-ins, plus additional meetings for major life events.
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