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Virginia Estate and Retirement Blog

To PLOP or Not to PLOP. That is the Question for Teachers and State Employees

One of the most common questions we receive from clients who are teachers or state employees revolves around the PLOP. The PLOP, or Partial Lump Sum Option, provides qualified Virginia Retirement System employees with the flexibility to take a portion of their benefit as a  …read more »

Thinking Clearly About Your Future

“Life can only be understood backwards, but it must be lived forward.” -Soren Kierkegaard Get a piece of paper and make a list of all the things you want to do during your lifetime–no matter how crazy or undoable some of those things might seem.  …read more »

How To Purchase Happiness

“A mind, like a home, is furnished by its owner, so if one’s life is cold and bare he can blame none but himself.” -Louis L’Amour It turns out that the conventional wisdom is wrong: it is possible to buy happiness — when you spend  …read more »

Living Out Your Retirement in Advance

“Life is like music; it must be composed by ear, feeling and instinct, not by rule.” -Samuel Butler People over 40 shouldn’t just plan for retirement, they should rehearse for it.  Because retirement can last 20 to 30 years, it’s more important than ever that  …read more »

4 Very Common IRA Mistakes

“Part of making good decisions is recognizing the poor decisions you’ve made and why they were poor.” -Warren Buffett Setting up an IRA for your retirement is almost always a good investment, but it’s not always a simple process. There are IRA alternatives (like a  …read more »

How To Gently Encourage Independence

“We believe in ordinary acts of bravery, in the courage that drives one person to stand up for another.” -Veronica Roth If you’ve got a recent college graduate living at home, searching for his or her first “real” job, you know how difficult the job  …read more »

Raising Money-Smart Children

“Today well lived makes every yesterday a dream of happiness and every tomorrow a vision of hope. Look well therefore to this day.” – Francis Gray Perhaps I’m biased, but I believe that it really is never too early to start teaching your children about  …read more »

Great Financial Communication Within a Marriage

One of the most pressing, painful and significant issues within a marriage can be the problem of finances. For some, this presents no significant hurdle whatsoever — often because the money is flowing, and there are no pressing concerns. However, this can be a bandaid  …read more »

Spending Your Money Well

Creating a budget really shouldn’t be the place where financial decisions begin. Instead, a comprehensive look at what you most care about and how you want to live your life is the best place to start, even before budget categories are determined. This becomes especially  …read more »

A Checkup From Your Financial Doctor

I thought I would take the time this week to give you an objective, “incentive-free” look at what your finances should look like when you hit the half-century mark. If you are close to that mark, I thought it might be useful for me to  …read more »

In The News

Tom Marshall Interviewed by NBC TV Roanoke - “Our Blue Ridge”

Tom Marshall Interviewed by ABC News Washington, DC