FAQ

What does a financial advisor actually do?

A financial advisor helps you make informed decisions about your money by looking at your complete financial picture. This may include retirement planning, investment management, tax-efficient strategies, estate planning coordination, insurance analysis, education funding, and creating a long-term financial plan designed around your goals.

Who do you work with?

We work with individuals, families, retirees, business owners, and those preparing for retirement. Whether you're building wealth, planning for retirement, or already retired, we tailor our recommendations to your unique financial situation.

Do you work with military families and veterans?

Yes. We are proud to serve active-duty military members, veterans, retirees, and their families throughout Hampton Roads and beyond. We understand that military life often comes with unique financial considerations, including frequent relocations, military retirement benefits, the Thrift Savings Plan (TSP), survivor benefits, transition to civilian life, and long-term retirement planning.

What makes Dawkins Financial different?

We believe financial planning should be personal. Rather than using a one-size-fits-all approach, we take time to understand your goals, priorities, concerns, and circumstances before making recommendations. Every plan is designed around what matters most to you.

Is financial planning only for people nearing retirement?

Not at all. Financial planning can be valuable at any stage of life. Whether you're buying your first home, growing your family, saving for college, changing careers, or planning for retirement, having a strategy can help you make more confident financial decisions.

What types of clients do you typically help?

Our clients come from many different backgrounds and professions. Some are just beginning to build wealth, while others are preparing to retire or looking for guidance in retirement. We enjoy helping anyone who values thoughtful financial planning and wants a trusted advisor.

Can you help me if I'm not sure what my financial goals are?

Absolutely. Many people know they want to improve their financial future but aren't sure where to begin. One of our first priorities is helping you identify your goals and create a plan to work toward them.

Do you only manage investments?

No. Investments are just one piece of a comprehensive financial plan. We also help clients with retirement income planning, tax strategies, estate planning coordination, insurance reviews, beneficiary planning, and other important financial decisions.

Do you offer comprehensive financial planning?

Yes. Our goal is to provide comprehensive planning that considers every aspect of your financial life rather than focusing on just one area.

Can you review my current financial plan?

Yes. If you already have a financial plan or investment strategy, we're happy to review it and provide a second opinion.

Can I work with you if I already have investments?

Absolutely. We can review your current accounts, discuss how they fit into your overall goals, and help determine whether any adjustments may be appropriate.

What if I don't know what questions to ask?

That's perfectly okay. Many clients come to us because they know they need guidance but aren't sure where to start. We'll walk through your financial picture together and help identify opportunities and priorities.

Will my financial plan change over time?

Yes. Life changes, and your financial plan should evolve with it. We regularly review your plan to help ensure it continues to reflect your goals and circumstances.

How often should I meet with a financial advisor?

That depends on your needs. Many clients meet with us regularly to review their progress, discuss life changes, and make updates to their financial plan as needed.

What should I expect after becoming a client?

You'll receive personalized recommendations based on your goals and circumstances. As life changes, we'll continue reviewing your plan and making adjustments to help keep you on track.

Why is having a financial plan important?

A financial plan provides direction and helps you make decisions with greater confidence. It brings together your income, investments, retirement goals, taxes, insurance, estate planning, and other financial priorities into one coordinated strategy.

Can you help me prepare for retirement?

Yes. Retirement planning is one of our core services. We'll help you evaluate your retirement readiness, income needs, investment strategy, Social Security options, and other important factors that contribute to a successful retirement.

How do I know if I'm on track financially?

We'll review your current financial situation, discuss your goals, and help determine whether your current strategy supports those objectives. If adjustments are needed, we'll explain your options and develop a plan together.

Can you help during major life events?

Yes. Financial decisions often become more complex during life's biggest milestones. We help clients navigate retirement, marriage, divorce, career changes, inheritances, the loss of a loved one, the sale of a business, and other significant life events.

Is there a minimum age to work with you?

No. Financial planning isn't defined by age—it's about your goals. We work with adults at many different stages of life.

How do I get started?

Getting started is simple. Schedule an introductory consultation where we'll learn more about your financial goals, answer your questions, and determine whether we're a good fit to work together.

What if I've never worked with a financial advisor before?

That's completely okay. Many of our clients are working with a financial advisor for the first time. We'll explain each step of the process in clear, straightforward language so you can feel comfortable and informed.

What if my financial situation is complicated?

Complex financial situations often benefit the most from professional guidance. Whether you have multiple retirement accounts, own a business, receive stock compensation, or have estate planning concerns, we'll work with you to create an organized strategy.

Do you believe every client should receive the same financial advice?

No. Every person's financial situation, goals, risk tolerance, and priorities are different. That's why we believe financial planning should be personalized—not based on generic recommendations or one-size-fits-all solutions.

Still Have Questions?

Every financial situation is different. If you don't see your question here, we'd be happy to discuss it during a complimentary consultation. Contact us today to schedule a conversation with Alan Dawkins, CFP®, and take the next step toward a more confident financial future.