Our Services

Our financial planning and investment services include:

Retirement Planning and Distribution

How do you want to spend your 60s, 70s and 80s? That is something we will be talking a lot about -- monthly, quarterly or annually, depending on your needs. You tell us what you want. We will design a roadmap to help get you there.

Investment Portfolio Management

We want your portfolio to grow, along with your peace of mind. Our recommendations, built around your risk tolerance, factor in three key investment disciplines: asset allocation, diversification and rebalancing. Moreover, our independent approach allows us to choose from a wide range of investment products.

Family Wealth and Estate Planning

As your financial advisor, we want to make sure that the estate plan you develop with an attorney supports your long-term financial objectives. To that end, we will work with you and your attorney to facilitate the planning process and to design strategies, perhaps including charitable giving, to strengthen your estate plan and address your estate planning goals.

Tax Reduction Strategies

Just about every major financial decision you make has a tax consequence. Taxes can erode your earnings and savings - and compromise your financial plan, whether it's for you and your family or for your business. On an ongoing basis, it is important to meet so we can identify and implement strategies to minimize your tax burden.

Education Planning

How can you best provide financial support for the education of those you care about? How much will be needed? Are there tax-efficient ways to provide for a higher education?

Life, Disability and Long-Term Care Insurance

We believe it is important to review your insurance policies. The type, ownership and beneficiary designations are all crucial to the effectiveness of any policy.  Insurance counseling is one more step in bringing clarity to your full financial picture.

Deferred Retirement Option Programs (DROP)

At Hughes Financial Services, we have specialized in retirement planning for county employees in Virginia for over 23 years. We understand the complexity of your retirement options and will walk you through the process to help you increase your retirement benefit, understand any tax implications and help you reach your financial goals.