WSF Wealth

WSF Wealth Water Street Financial is a comprehensive Wealth Management and Financial Planning practice.

Securities offered through LPL Financial, Member FINRA/SIPC www.finra.org and www.sipc.org. Investment advice offered through Wealthcare Advisory Partners LLC, a registered investment advisor. Wealthcare Advisory Partners LLC and Water Street Financial, LLC are separate entities from LPL Financial. Tommy Stine is solely an investment advisor representative of Wealthcare Advisory Partners LLC and is not affiliated with LPL Financial.

• Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.
• The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Women often plan for retirement while still taking care of everyone else. But have you planned for how long your retirem...
09/29/2026

Women often plan for retirement while still taking care of everyone else. But have you planned for how long your retirement might last?

Women, on average, live longer than men. That can mean more years to enjoy—and more years for your income, savings, and healthcare plan to support the life you want. Social Security’s current estimates for people reaching age 65 reflect that difference.

If retirement is getting closer, it may be time to ask:

• What will my income look like after my paycheck ends?
• When does it make sense for me to claim Social Security?
• How might healthcare costs affect my plan?
• Would my plan still work if I lived into my 90s or my circumstances changed?

You’ve worked hard to build this next chapter. Let’s make sure you have a plan for all of it.

Approaching retirement? Send WSF Wealth a message to start a conversation about your retirement goals.

WSF Wealth is proud to sponsor one of Wi******er Baseball’s teams this season at Jim Barnett Park—and this one is especi...
09/19/2026

WSF Wealth is proud to sponsor one of Wi******er Baseball’s teams this season at Jim Barnett Park—and this one is especially meaningful because our own Katie Lopez’s son, Luke, is part of the team. ⚾️

For more than 70 years, Wi******er Baseball has helped local children build confidence, friendships, teamwork, and a love of the game. The program is powered by volunteers who generously give their time to create meaningful opportunities for children throughout our community.

At WSF Wealth, we believe strong communities are built by people who show up and invest in one another. We’re honored to support Luke, his teammates, their coaches, and an organization that has served generations of Wi******er families.

******erBaseball ******erVA ⚾️

The hardest time to organize a financial life is when a family is grieving.A thoughtful estate plan is about more than a...
09/10/2026

The hardest time to organize a financial life is when a family is grieving.

A thoughtful estate plan is about more than a will. Beneficiaries, retirement accounts, investments, insurance, account ownership and tax considerations all play a role—and those pieces should work together.

At WSF Wealth, we help coordinate the financial side of that picture, working alongside your estate planning attorney, CPA and other trusted professionals.

Because your legacy isn't just about what you leave behind.

It's about how well you've prepared the people you leave it to.

Not sure everything is aligned? Let’s have a conversation.

September is a good time to take stock of where you are — and where you want to finish the year.With only a few months l...
09/02/2026

September is a good time to take stock of where you are — and where you want to finish the year.

With only a few months left in the year, this can be a good time to check in on your financial plan and ask a simple question: Are things still on track?

Maybe your income changed. Maybe retirement is getting closer. Maybe your business had a better year than expected, or your priorities simply look different than they did in January.

A year-end review can be a good opportunity to look at your retirement strategy, investments, taxes, estate planning, and any other changes that may affect the bigger picture.

You don’t have to wait until December to start planning for year-end.

If it’s been a while since you’ve reviewed your plan, we’d be happy to have a conversation.

📞 Contact WSF Wealth to schedule a year-end planning review.

Self-employed or own a small business? September 15 is an important date to have on your radar.The Q3 estimated tax dead...
08/27/2026

Self-employed or own a small business? September 15 is an important date to have on your radar.

The Q3 estimated tax deadline is approaching — and this can be a good time to review how taxes fit into your broader financial plan.

A few things worth considering before year-end:

• Has your income changed significantly this year?
• Are you making the most of available retirement plan contributions?
• Have changes in your business affected your cash flow or financial goals?
• Are there planning opportunities you should discuss with your financial and tax professionals before December 31?

Tax planning is about more than preparing a return in April. It can also involve coordinating decisions around retirement savings, cash flow, investments, and long-term financial goals.

If you're self-employed, a business owner, or have income that isn't subject to regular withholding, now may be a good time to check in with both your financial advisor and tax professional.

Wondering how tax considerations fit into your overall financial plan? Let's start the conversation.

📞 540-450-8351
✉️ [email protected]

Retirement is more than picking a date. It’s knowing how all the pieces fit together.As retirement gets closer, we hear ...
08/20/2026

Retirement is more than picking a date. It’s knowing how all the pieces fit together.

As retirement gets closer, we hear many of the same questions:

💰 When should I start Social Security?
You can begin as early as age 62, but claiming before your full retirement age can permanently reduce your monthly benefit. Waiting longer can increase it.

🏥 What will Medicare actually cover?
Original Medicare doesn’t cover every healthcare expense. Medicare Supplement Insurance, or Medigap, can help with certain out-of-pocket costs such as copayments, coinsurance and deductibles.

📊 How should I use my 401(k), TSP or IRA once I retire?
The order and timing of your income sources can matter just as much as how much you’ve saved.

These decisions shouldn’t be made in isolation. Your Social Security strategy, healthcare coverage, investments, taxes and retirement income plan all need to work together.

If retirement is within the next 5–10 years, now is a great time to start answering these questions.

📩 Have questions about how your retirement income could come together? Reach out to WSF Wealth to schedule a retirement planning conversation.

🌅 : Take Control of Your Financial FutureThe year is more than half over, but your financial goals are far from finishe...
08/10/2026

🌅 : Take Control of Your Financial Future

The year is more than half over, but your financial goals are far from finished.

August marks the ultimate seasonal midpoint. It is the perfect time to execute a Mid-Year Financial Tune-Up to ensure your wealth strategy continues to preserve your legacy and match your long-term vision.

💡 Why Action in August Matters:
Without a periodic checkpoint, subtle market shifts, tax code updates, and lifestyle changes can quietly pull your plan off course. Taking action now gives you four full months to strategically adjust before year-end deadlines drop.

🔑 Key Areas We Prioritize During Your Review:

📉 Rebalance Asset Allocation: Protect your portfolio from late-year volatility by realigning your risk exposure.

🏛️ Optimize Distributions: Evaluate retirement income streams to guarantee maximum tax efficiency.

📝 Audit Beneficiaries: Cross-check your trusts, corporate structures, and accounts to confirm your legacy stays fully shielded.

🛡️ Shield Against Risks: Review property, casualty, or liability policy adjustments required by your asset growth.

Fine-tuning your financial roadmap isn't just about the numbers; it’s about maintaining complete confidence and absolute peace of mind for your future.

📆 Don't wait until December to look back. Let's ensure your wealth is working exactly as it should.

👉 Reach out today to schedule your comprehensive Mid-Year Review:

📞 Call us: 540-450-8351
📧 Email us: [email protected]
💬 Or send us a direct message right here on Facebook!

07/10/2026

If you have spent years with the federal government, your retirement really comes down to a few big decisions that are tough to undo once they are made. When you turn on your pension, when you start pulling from your TSP, and when you file for Social Security. The order you choose matters way more than most people realize. If you want a second set of eyes on yours, reach out and let's talk it through

Honoring 250 Years of American Independence As we celebrate the 4th of July, WSF Wealth proudly joins in honoring the hi...
07/02/2026

Honoring 250 Years of American Independence

As we celebrate the 4th of July, WSF Wealth proudly joins in honoring the history, courage, and enduring spirit that built our nation. 🇺🇸

This year’s Independence Day carries even greater meaning as we recognize America250 — the celebration of 250 years of American Independence. It is a time to reflect on the founding of our country, the values of freedom and opportunity that continue to shape our future, and the generations of Americans whose vision, service, and sacrifice helped make this nation what it is today. ✨

In observance of the holiday, our office will be closed on Friday, July 3. We will resume normal business hours after the holiday weekend.

From all of us at WSF Wealth | Water Street Financial, we wish you and your loved ones a safe, meaningful, and joyful Independence Day as we celebrate our nation’s past, present, and future. ❤️🤍💙

06/30/2026

If you work for the federal government, this one's worth two minutes of your attention.

There's a newer option almost nobody is talking about that lets you move money out of your regular government retirement account and into something with more flexibility and control.

Want to know if it fits your situation? Give us a call

Address

335 Westside Station Drive
Winchester, VA
22601

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+15404508351

Website

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