James River Advisors - Harrisonburg

James River Advisors - Harrisonburg Providing comprehensive financial advice, planning and management for individuals and their families.

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Social Security is a decision, not just a birthday.You may be eligible to begin receiving retirement benefits at 62, but...
09/25/2026

Social Security is a decision, not just a birthday.

You may be eligible to begin receiving retirement benefits at 62, but that doesn't automatically mean it's the right time to claim.

Before deciding, consider your income needs, health, life expectancy, employment plans, spouse's benefits, taxes, and other retirement assets.

The right claiming age is personal. It should support your broader retirement plan, not simply follow the calendar.

Many parents want to do everything they can to help their children pay for college. While supporting your child's educat...
09/24/2026

Many parents want to do everything they can to help their children pay for college. While supporting your child's education is a meaningful goal, it's important not to lose sight of your own retirement plans.

Remember: there are many ways to fund an education, including scholarships, grants, work-study programs, and student loans. There are far fewer options available to fund retirement.

As you plan for both goals, consider:
✅ Prioritizing contributions to retirement accounts
✅ Creating a realistic college savings strategy
✅ Exploring 529 plans and other education savings options
✅ Reviewing your overall financial goals regularly
✅ Striking a balance between supporting your children and protecting your future

Helping your children succeed is important, but so is ensuring your long-term financial security. A well-balanced plan can help you work toward both goals with confidence.

Fall is here, and year-end will be here before we know it.Have you checked in on your tax picture lately?This can be a g...
09/23/2026

Fall is here, and year-end will be here before we know it.

Have you checked in on your tax picture lately?

This can be a good time to review your withholding, estimated tax payments, charitable giving, capital gains or losses, and retirement contributions with your tax professional.

A September review can help you spot anything that may need attention while there’s still time to plan.

Retirement planning isn't just about saving. It's about avoiding mistakes that could impact your long-term financial goa...
09/22/2026

Retirement planning isn't just about saving. It's about avoiding mistakes that could impact your long-term financial goals.

Here are a few common retirement planning missteps to watch for:

✅ Waiting too long to start saving
✅ Underestimating healthcare expenses in retirement
✅ Not taking full advantage of employer-sponsored retirement plans
✅ Failing to review beneficiary designations regularly
✅ Assuming Social Security will cover all retirement expenses
✅ Not adjusting your plan as life circumstances change

The good news? Many retirement planning mistakes can be addressed with regular reviews and proactive planning. Taking time to evaluate your strategy today can help keep you on track toward your long-term goals.

Your Social Security full retirement age isn't the same for everyone.Depending on the year you were born, it generally f...
09/21/2026

Your Social Security full retirement age isn't the same for everyone.

Depending on the year you were born, it generally falls somewhere between age 66 and 67. This is the age when you become eligible for your full, unreduced retirement benefit.

You may be able to claim earlier or wait longer, but either choice can affect the amount you receive.

Knowing your full retirement age is a helpful first step when considering your Social Security options.

Something to remember.
09/18/2026

Something to remember.

As the year begins to wind down, it's a good opportunity to step back and review your investment strategy.Over the cours...
09/17/2026

As the year begins to wind down, it's a good opportunity to step back and review your investment strategy.

Over the course of a year, market movements, life events, and changing financial goals can all affect whether your portfolio remains aligned with your objectives.
Before year-end, consider:

✅ Reviewing your current asset allocation
✅ Evaluating whether your risk tolerance has changed
✅ Checking your progress toward long-term financial goals
✅ Identifying potential tax planning opportunities
✅ Rebalancing investments if needed

An annual review can help ensure your investment strategy continues to reflect your goals, timeline, and overall financial picture. The end of the year isn't just a time to reflect on what's happened. It's also a chance to prepare for what comes next.

September 16th is National Guacamole Day! And much like a good batch of guac, a strong financial plan is all about the l...
09/16/2026

September 16th is National Guacamole Day! And much like a good batch of guac, a strong financial plan is all about the layers working together.

Estate planning, tax planning, and philanthropic giving aren't separate projects. Each part may serve a different purpose, but they work best when they're coordinated.

Is every layer of your financial plan working together?

When the kids leave home, life changes in more ways than one. As an empty nester, you may find yourself with more flexib...
09/15/2026

When the kids leave home, life changes in more ways than one. As an empty nester, you may find yourself with more flexibility in your budget and a chance to refocus on your own financial goals.

Now may be a good time to:
✅ Reevaluate your retirement savings strategy
✅ Review your investment allocation and risk tolerance
✅ Consider paying down debt more aggressively
✅ Update your estate and beneficiary designations
✅ Explore future goals such as travel, hobbies, or a second home

While becoming an empty nester can be an emotional transition, it can also be an important financial milestone. Taking time to review your plan now can help ensure your finances align with the next chapter of your life.

If one spouse doesn't have earned income, they might assume they can't contribute to an IRA.A spousal IRA lets a working...
09/14/2026

If one spouse doesn't have earned income, they might assume they can't contribute to an IRA.

A spousal IRA lets a working spouse contribute to an IRA on behalf of a non-working (or lower-earning) spouse, as long as the couple files jointly and has enough combined earned income to cover both contributions.

It's a simple way to keep both partners building retirement savings, even when only one paycheck is coming in.

Address

4109 Quarles Court
Harrisonburg, VA
22801

Opening Hours

Monday 9:30am - 5pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 5pm

Telephone

+15402172979

Website

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