Comprehensive Financial Planning

Here are some of the Financial Planning services we offer: Retirement Life Planning Asset Allocation Modeling Risk Management Tax Management Strategies Insurance Analysis Long-Term Healthcare Issues Charitable Planning Business Succession Planning Estate Planning Strategies Comprehensive Planning Appomattox can help you plan and manage your wealth through a comprehensive array of financial services, including financial planning, investment management, retirement income planning, estate planning, and insurance Personalized Process We can help deliver

Retirement Planning

Are You Ready to Take Control of Your Retirement? Retirement is one of the most important life events many of us will ever experience. Pursuing a comfortable retirement is an extensive process that takes careful planning and ongoing monitoring throughout every stage of life. Contact Us We believe a comprehensive retirement plan must include: Calculating how much you'll need to save for retirement and monitoring the progress to help make

Estate & Legacy Planning

We Believe Education Leads to Confidence. Attaining financial security for you and your heirs typically requires you to accept responsibility for the management of significant investment assets. Whether you are single, married, or a surviving widow, it is in your best interest to obtain as much education as possible about wealth planning, investments, and related matters. Even if you are not directly responsible for making important financial decisions, it is

Business & Farm Succession Planning

Take Charge of Your Business' Future. Exiting the business isn’t something most entrepreneurs think about. Yet having a succession plan is crucial for the life of any business. Without a formal succession or transition plan, a small business or farm operation risks both its longevity and bottom line. In many cases, however, family owned business owners don’t take the necessary steps to assure a smooth leadership transition, either because they

Individual Retirement Accounts

Individual Retirement Accounts IRA’s are retirement savings accounts with certain tax advantages, making them ideal savings vehicles for retirement. A lot of people mistakenly think an IRA itself is an investment – but it’s just the vehicle in which you keep stocks, bonds, mutual funds, exchange traded funds, CD’s and other assets. Unlike business retirement plans, which are accounts provided by your employer, the most common types of IRA’s are

Employer Sponsored Plan

Find the Plan that Fits Your Business An employer-sponsored plan is a type of benefit plan that an employer offers for the benefit of his/her employees at no or a relatively low cost to the employees. If employees participate in the plan, they will benefit from its low-cost method of obtaining discounted services. The benefit to the employer is that initiating these plans usually has some tax-deductible component, and sponsoring

Portfolio Management

Insight on Your Personalized Approach We work to gain a deep understanding of your values and perspective on finances. Our team’s goal is to try and anticipate your needs by taking proactive steps with making timely recommendations that hold true to your best interests. Contact Us Design Customized Wealth Management Solutions Once we have insight into your distinct financial situation, we begin to design a highly customized, integrated wealth management

Wealth Accumulation & Preservation

It All Begins with a Strategy. Regardless of when you begin to accumulate wealth, a successful plan will require a long-term investment strategy, a commitment to that strategy, and understanding your specific tolerance for risk. We are here to help walk you through these steps. Your ability to set money aside may fluctuate throughout your life. It is important to incorporate this fluctuation into your wealth accumulation strategy. Contact Us

Mutual Funds

Choosing What Fits Your Overall Objectives We offer a vast array of mutual fund options including multiple fund companies. When choosing the right mutual fund it is important to know your investment objective and your risk tolerance. Each mutual fund may have a specific investment structure, sector or method. The important key is find the mutual fund that matches and compliments your overall investment objective. Contact Us What is a


Selecting the Appropriate Stocks for You. We offer our clients access to full brokerage services with the ability to assist in the purchase of individual stocks for your investment portfolio. Our experienced financial advisors are able to provide you with recommendations or suggestions based on your specific needs. There are a number of methods we can use in implementing this into your overall investment strategy. Contact us today to speak

Variable Annuities

What is a Variable Annuity? A variable annuity is a long-term contact between you as the investor and the insurance company which combines investment and protection into a single financial products to help address your needs. They are designed to help provide you with retirement income. There are generally two types of variable annuities: qualified and non-qualified. If a variable annuity is purchased through an IR or other qualified plan

Fixed Annuities

Choosing the Right Fixed Annuities Fixed annuities provides a guarantee between you and the insurance company based on both the rate of return (interest rate) and the payout to you as the investor. The predictability of a fixed annuity make it a very popular option for investors who want a guaranteed income stream to supplement their other investment and retirement income. Each contract will explain how and when interest rates

Life Insurance

In Pursuit of Your Financial Independence. Asset protection and preservation are two of the most important, yet most often neglected, aspects of our financial lives. When we fail to protect against the unknown, we risk placing financial hardship on our loved ones. Each of us encounters various financial risks on a daily basis. We all know of someone whose health changed in an instant. When that happens, it is too

Long-Term Care Insurance

Coverage is Not One-Size-Fits-All. Long-term care needs can be one of the most catastrophic risks to assets. Yet, many Americans are inadequately prepared for such risks. Unlike health insurance, long-term care insurance is designed to cover long-term services and supports in a variety of settings, including home health care, assisted living or nursing home care. As long-term care costs have escalated and individual needs have changed, the insurance industry has


What is a Bond? A bond is a debt security, similar to an IOU. Borrowers issue bonds to raise money from investors willing to lend them money for a certain amount of time. When you buy a bond, you are lending to the issuer, which may be a government, municipality, or corporation. In return, the issuer promises to pay you a specified rate of interest during the life of the